23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, and XXXX XXXX account # XXXX have all 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX received $XXXX  and $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19. $XXXX on XX/XX/19.  XXXX XXXX XXXX changed the normal minimum payment from $XXXX a month to a predatory, hateful, discriminatory minimum payment of $XXXX and I wasn’t going to make the $XXXX payment which violated the contract.XXXX XXXX to XXXX XXXX - CFPB conducted an investigation and $XXXX was made XX/XX/19. XXXX XXXX XXXX wants $XXXX  as a minimum payment and reported my payment as late.The minimum payment of $XXXX is predatory and violates federal law. I am a XXXX  Veteran and XXXX is taking advantage of me. I have never had a negative mark in years and XXXX XXXX XXXX emotionally retaliated and put a negative mark on my credit report which has now prevented me from obtaining a business loan and housing for my family. This  company has purposefully brought harm to my children and impacted our livelihood.XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to Equifax requesting an investigation for the accounts listed in the letter attached and per my return receipt, it was received by them. I wanted a investigation to be done to remove accounts that are Inaccurate. This is affecting me financially in more ways than one. I havent received anything acknowledging that an investigation has started or completed. I need for you to delete these inaccurate items as soon as possible from my credit file. I sent my dispute letter on XXXX of XXXX and a follow up letter on XXXX of XXXX so this counts as my third request. Under XXXX XXXX, you are required to complete and notify me of your investigation results within 30 days, we are now way past the legal time frame now! I ask that you please DELETE these inaccurate items from my credit file, Immediately.
Product: Debt collection

I have received multiple calls ever single day for 2 months. They have released my Social Security Number to me and family members. The phone # calling me is XXXX. They repeatedly tell me we are gon na call you and hang up. They say they are with XXXX   for a claim with XXXX XXXX which is now XXXX XXXX. I called XXXX XXXX and they stated I have no claim or balance owed. They call my family members everyday. They refuse to mail the debit collection to me. They mock me on the call and disconnect. They are not releasing the call ia recorded when the call. They once released my SSN and then said call is recorded
Product: Debt collection

I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent them over 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$40.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$730.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity fraud theft i have notified all 3 credit bureaus since XX/XX/year> and continue to be victimized. 
Here are the following accounts : DEPT OF EDXXXX- {$2400.00} DEPT OF ED/XXXX- {$1800.00} XXXX  INC- {$140.00} XXXX XXXX- {$1300.00} XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX.- {$190.00} XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX {$1500.00} XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX XXXX- {$11000.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1300.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX Subject : Complaint Regarding Misleading Bankruptcy Information and Request for Verification Dear Sir/Madam, I am writing to formally file a complaint regarding misleading information about a bankruptcy filing that appears on my credit report. I am seeking your assistance in resolving this matter, as the information provided by an undisclosed third party is incorrect and does not reflect the actual court records.

Summary of Issue : Disputed Information : I have discovered that my credit report contains information about a bankruptcy filing that is inaccurate and misleading. I have attached letter from the Court that show they have not disclosed any information of such or any kind to a third party. Hence, I am requesting the name and address of the source of this misleading information on my Personal credit report so I can sue them personally. If you're unable to provide the name and information of this third party, I request that you completely remove any occurrence ( s ) of Bankruptcy and data acquired from this party on my credit report.

Court Documentation : I have enclosed a letter from the bankruptcy court verifying that the court did not furnish the disputed information to the reporting agencies. This letter confirms that the information provided by the third party does not align with the courts records. 

Request for Action : I request that the CFPB assist in verifying the accuracy of the reported bankruptcy information. Based on the enclosed court documentation, it is clear that the disputed information should not be present on my credit report. Therefore, I request that this incorrect information be removed.

Enclosures : Copy of the letter from the bankruptcy court, proving that the court did not furnish the disputed information. 
Copy of my current credit report highlighting the disputed information. 
Any other relevant documents that support my claim. 
Desired Outcome : I kindly request that the CFPB investigate this matter, verify the accuracy of the reported bankruptcy information, and ensure that the incorrect details are removed from my credit report. I would appreciate a prompt response regarding the actions taken and any updates on this issue. 

Thank you for your attention to this matter. Please feel free to contact me at ( XXXX ) XXXX or via email at XXXX if any further information is needed. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 that 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 an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have tried to dispute these items on my report and have not been updated at all. I have mailed letters and tried to dispute them online with no help from the bureaus. Can you please make them look into the issue in my report. I have provide my ID, Social and light bill.
Product: Debt collection

Virtually the exact same problem as the post from XXXX 2016 from a different person. " Trinity Financial Services, LLC a collection company formed in -/-/- invests in distressed - loan mortgages caused by the collapse of the housing bubble in -/-/-. Because our home was over - underwater - - - through " Making Homes Affordable Program '' helped us keep our home by charging off our - loan and restructuring our - loan including escrow fees, taxes, and insurance which we have been paying down and remain current to this day. Nearly a decade later, Trinity has found a way to capitalize on the recovering housing market by picking up written off - loan mortgages at XXXX on the dollar and foreclosing on people 's homes unless the homeowner pays them outrageous and unreasonable profits. Although their websites states they achieve their success by " building relationships and working closely with homeowners through a variety of workout options including modifications and settlements '' this statement could not be further from the truth. Trinity 's MO is to bully the homeowner into paying the full unpaid balance plus ALL interest or suffer foreclosure. They lull you into thinking they 'll work with you by initially offering a modification or a reasonable settlement but it 's resolve this matter because it was in their best interest to do so. I blame - - - for falsely leading us to believe we received a principal reduction and Trinity Financial Services, LLC for remaining dormant by intentionally failing to notify us over all these years for the purpose of maximizing their profits at the expense of the unsuspecting homeowner. Not to mention they have a HUGE problem with the chain of assignment as the assignment deed of transfer documents purporting lawful assignment and thus lawful standing to foreclose appear fraudulent and incorrectly dated rendering standing and the security instrument VOID under the law. With all the improprieties in the chain of assignment and it 's execution they still assert lawful standing yet fail to produce an original note. As a law abiding homeowner we are left with no choice but to defend our only family asset in legal court system. We have invested 11 years on paying this home down, investing our hard earned money on repairs and up keep, on improvements just to let our home go into the hands of these unethical debt collectors. Most homeowners do n't have the money to contest these wrongful foreclosures in court and Trinity knows that which is how they get away with their. They need to be STOPPED! ''
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXXXXXX - CLOSED LATE PAYMENT XXXXXXXX XXXX XXXX XXXX - Collection/Chargeoff XXXXXXXX XXXX XXXXXXXX - Collection/Chargeoff XXXX XXXXXXXX Collection/Chargeoff XXXX XXXX XXXXXXXX Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

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

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

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.

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

I received multiple text and emails from Discover card about charges I never put onto the card. I call and everything adds up but why am I being spammed by Discover so often I am not sure. Please help and look into as these to me are malicious links getting into my info and possibly access to my phone and router ports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted XXXX 6 times over the past 12 months to request proof of late payments. When disputing the information with the XXXX credit bureaus, each time, moneylion has retaliated by adding more negative payment history to my reports. This is extremely frustrating because I was never late on this account and in fact I paid off this account many months early. In addition to paying the regular payments of the loan, they also deducted monthly membership fees that were extremely confusing and resembled additional interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to request the following information to be deleted from my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not consent to these accounts. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of the Federal Trade Commission identity theft affidavit. Please delete these items as soon as possible.Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently had a closed account with XXXX XXXX XXXX XXXX reopened XXXX and then a derrogatory remark and a missed payment was placed on my report. I sent proof that the account was closed to XXXX. I spoke with their attorney whom collects payments for the closed account after a judgement was recieved. 

the account has been closed for 2 years or better and it wasnt reopened by me nor by the creditor? Yet they reported this inaccurately and damaged my credit again. They also listed the account as a charge off and attempted to place it into collections? They are violating this law with my account ( XXXX XXXX  XXXX XXXX ) Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure sectionwhich is to provide for the protection of consumers against false and erroneousreporting. ... The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. 

A 609 letter is a letter used to dispute errors or other inaccuracies off your credit report after the Debt Validation letter process has been followed XXXX XXXX XXXX. It can be used to remove collections, public records such as bankruptcies/tax liens/repos/evictions, derogatory accounts, Closed accounts, Charged Off Accounts, hard inquiries, and late payments. Removing these negative items will help to raise your credit score.

Section ( 609 ) of the Fair Credit Reporting Act is a Consumers Disclosure section which is to provide for the protection of consumers against false and erroneous reporting. This section of the FCRA places the burden upon the Credit Bureaus and the Creditor to prove an account is yours. To positively prove an account is yours, the creditor must provide the Credit Bureau a copy of the original creditors documentation ( whatever you filled out and signed upon opening the account with the reporting creditor ). 

The FCRA was enacted by Congress to protect consumers from unverifiable accounts and information from being reported on your credit report. Example : If you filed a suit against someone and you showed up in court with no proof against that person, what would the judge do throw the case out of court! Without documentation, the Credit Bureaus have NO right to list your personal financial information on your credit report. They are required by law to verify and validate every single account on your report.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I was scammed by a fraudulent realtor while attempting to rent an apartment. The scammer deceived me into sending {$1000.00} via XXXX from my Citibank checking account. The transactions were as follows : {$850.00} on XX/XX/year> {$180.00} on XX/XX/year> When I realized I had been scammed, I immediately contacted Citibank on XX/XX/year>, to dispute the transactions and request a refund. However, Citibank denied my dispute, stating that the transactions were authorized because they were sent using my online banking credentials. 

I explained to Citibank that I was deceived into making these payments under false pretenses and that this was a case of fraud. Despite this, Citibank refused to take action to recover my funds or protect me as a customer. 

I am requesting that Citibank reopen my dispute and refund my money, as other banks have refunded XXXX scam victims in similar situations. I also request a detailed explanation of their investigation process and a copy of the findings that led to my dispute being denied. 

Scammer Information : Name : XXXX XXXX ( listed on the business card ) Claimed License Number : XXXX XXXXXXXX Phone Numbers : XXXX, XXXX ( XXXX ) XXXX Email : XXXX Office Address : XXXX XXXX XXXX, XXXX, NY XXXX ( XXXX XXXX ) Social Media : XXXX XXXX ( XXXX and XXXX, XXXX on the card ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to do their part in securing the personal information stored on their servers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint with all 3 bureaus and they responded and said all information was updated and they sent out a letter via mail saying they updated information on account. They have not sent any letters. Transunion has set out a report of all information reporting on credit report and I have asked that they update all my information and I also gave them the correct information to update them with. They have not done so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX certified validation letters to Barclays, XXXX XXXXXXXX XXXX XXXX and XXXX starting in XXXX of XXXX. I received zero response from any of them. 
In XX/XX/XXXX I received a statement, from XXXX for one of the accounts in dispute. # XXXX. It is past statute of limitations and does not provide me with when the delinquency date was, a contract or my signature on it. 60 days after the initial validation letter. The response back had no letter attached, did not state that it was past the statute nor did it provide any other information to valid that this alleged debt is mine. 
The following account numbers are what have been disputed with no response. 
Account # XXXX {$4500.00} Barclays XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  Account # XXXX {$4800.00} BarclaysXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account XXXX XXXX or # XXXX {$5300.00} XXXX/Barclays- XXXX XXXX XXXX  Account XXXX XXXX {$5800.00} XXXX/Barclays- XXXX XXXX XXXX Ive attached copies of letters and credit reports, they are all incomplete/inaccurate reporting with all conflicting information.
Product: Checking or savings account

I opened a Coinbase account and purchased several cryptocurrencies. When I sign on to my account I can get no details about the assets I hold. I have tried contacting them but get no response. They give you the run around when trying to request on line help and unilaterally close any case you open with them before your problem is solved. I am unable to get access to my assets held with them. They currently hold approx. {$6000.00} to {$9000.00} of my assets. I was trying to sell some assets but they have since gone down in value and have been losing money as a result of them not giving me access to my account. XXXX XXXX XXXX
Product: Checking or savings account

My checking business account was closed by Bank of America in XX/XX/2022 for an amount of {$9500.00} and as of XX/XX/XXXX I still have not received the funds that correspond to me. I have called the bank many times and the only information they give me is that my funds are being verified. At the time of closing the account, the bank told me that in 7 business days they would send a check to my address, 10 months have passed and I still don't have my money.
Product: Credit reporting or other personal consumer reports

FCRA & 605B ( 15 U.S.C. & 1681c-2 ) I ask Transunion credit reporting agency to block information reporting my consumer report that result in identity theft and fraud within XXXX business days of receiving this complaint.The fraudulent inaccurate account is XXXX XXXX account number is XXXX account appearing on my consumer report I do not recognize the aforementioned account.I have attached my FTC Identity theft criminal complaint case number XXXX
Product: Mortgage

I am disputing a fraudulent transaction on my XX/XX/XXXX mortgage statement from PHH Mortgage Services. On the statement there is a fraudulent charge for {$3400.00} for " Expenses '' that must be reversed. 
The Loan Modification was negotiated and executed on XX/XX/XXXX with and effective date of XX/XX/XXXX. The Loan Modification contract governs. If PHH Mortgage neglected to capitalize their " expenses '' during the negotiations that is their mistake and THEIR responsibility, not mine. PHH Mortgage does not have standing and can not now 8 months after the fact fraudulently charge me {$3400.00}. 
I attempted to resolve this issue with PHH Mortgage with my letter sent to them on XX/XX/XXXX. In their response dated XX/XX/XXXX they clearly LIED and said the Loan was modified on XX/XX/XXXX. Lies and deception that all. 

The executed Loan Modification and it's payment schedule govern and this fraudulent expense charge MUST be removed.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports