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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX | DOB : XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX  XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX XXXX IN WITNESS WHEREOF, the said party has signed and sealed these presents the day and year first above written. 
Signed, sealed and delivered in the presence of : XXXX XXXX XXXX XXXX _________________________________ Signature STATE OF Illinois XXXX XXXX  XXXX I HEREBY CERTIFY that on this day before me, an officer duly qualified to take acknowledgments, personally appeared XXXX XXXX XXXX XXXX, who is personally known to me or who has produced _____________________________________________ as identification and who executed the foregoing instrument and he/she acknowledged before me that he/she executed the same. 
WITNESS my hand and official seal in the County and State aforesaid this _____ day of ____________________ XXXX. 
___________________________________ Notary Public Printed Name : My commission expires :
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 name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

I sent several cease and desist letters to the company requesting that they stop call specific numbers. I have stated on numerous recorded conversations that my cell phone number is not to called on the auto dialer. I discussed this issue with a supervisor in XXXX 2017, and I am receiving calls in XXXX 2017.
Product: Debt collection

I am a plaintiff from XXXX XXXX XXXX looking to file a federal law suit and sue XXXX XXXX platform ( fraudulent trading company ) ceos and the associated hedge funds for a undisclosed amount.There are no lawyers in my area who specialize in this type of file and your the only website who specializes in this .XXXX broke two federal laws in which i was affected.I had stocks and not trade options ( which i would ineligible if i had trade options ) of XXXX  and XXXX  and before the XXXX  trading halt which resulted in selling it for a loss a minute and days later respectively.I was only allowed to close my positions and not open any new ones.The XXXX  frency/trading halt also affected stock of XXXX  , XXXX  , XXXX  , XXXX XXXX XXXX, XXXX.I lost alot of money which could have been prevented if robinhood allows the time between trades to be less.I also apply and was accepted into option trading without any prior option trading experience and income requirements from robinhood and the robinhood bots accepted me.
Product: Credit reporting or other personal consumer reports

I have numerous times now filed a complaint with the CFPB and through the company. A change was made to the XXXX report in good faith and now Equifax is reporting different amounts showing owed to the company. Why is Sun Loan breaking FCRA laws? Ive obtained legal council and will meet to proceed with legal action on Monday. It is against FCRA laws to report information on my credit file without my knowledge, especially wrong amounts reporting owed. In reply to the CFPB from XXXX XXXXXXXX they removed the file with the amount {$1900.00} yet Equifax is reporting an amount of {$900.00} this is ILLEGAL. I have repeatedly called XXXX XXXX at the number provided, left messages and never receive a call back. I am no longer going to allow being treated this way. I will provide attorney information to the CFPB as far name, company and phone number if requested.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts listed below from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). As a victim of a data breach, I did not authorize the accounts below and request your prompt assistance in addressing this matter. 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I have sent the consumer reporting agency several dispute letters to have my money back for violating my consumer rights 15 USC 1681. I have sent a notarized letter affidavit of truth to the consumer reporting agencies and here is my copy of what I sent.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I did not authorize these inquiries. I am requesting to have this information removed from my profile.
Product: Mortgage

I have a loan with OCWEN loan servicing, and it will be sold to a new company named XXXX XXXX XXXX on XXXX XXXX, 2016. I never got a fair review with OCWEN and I am attaching a more detailed letter for my complaint and supporting documents. OCWEN denied me for all modification options and switched my review to a short sale without my consent. The new company that will be taking over my loan work with short sales, so I believe OCWEN purposely denied me before selling my loan so the new company can finish the short sale. Its a win for both the companies but not for me, an investigation needs to be done, I believe I am not the only homeowner, and OCWEN was already sued.
Product: Debt collection

I found a credit note was filed in my history from a utility company I have never used or had any contact whatsoever with. The utility is XXXX XXXX and a debt for a person residing at XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX for around {$800.00} was turned over to the Collection Agency Transworld System Inc, XXXX XXXX XXXX XXXX, XXXX, De XXXX. I have never lived in XXXX. Ive lived in either XXXX or XXXX XXXX Utah for over 50 years. The power company I use is XXXX XXXX XXXX. I can provide account number showing my service at my current address for the past 9 years. I have never received any correspondence, notice of collection process, or a letter from Transworld attempting to verify my personal information. I believe a person with the same name, ( XXXX XXXX ) used my social security number at the XXXX address to obtain service from XXXX who then turned the unpaid bills dating from XXXX - XX/XX/2022 over to Transworld for collection. This was fraud and has negatively impacted my own credit score.
Product: Debt collection

1. Completed a police report on XX/XX/2022 2. Sent a letter certified mail to XXXX XXXX on XX/XX/2022 and XX/XX/2022 for validation of the debit and got no response 3. Active fraud alert is on file with all XXXX bureau 's
Product: Debt collection

On XXXX/XXXX/16, I received a call from Direct Recovery Service in reference to a debt. In addition to my phone call my mother received a call and someone that does not have any information about the loan nor was named as references on the loan was contacted. I immediately contacted DRS and asked who else they contacted. The gentleman told me the same thing happened to him. I again asked who else he contacted and he said he did not have that information, he only autodials. I then asked which numbers he had, which were my daughter 's and my mother 's. I continued to press the gentleman for more details on the numbers he called in reference to my debt, yet he continued to say he can not find the numbers he called. I finally got the number for his parent company and confirmed the validity of the debt. My complaint is that DRS has obtained phone numbers and communicated to the third party that do not have a need to know of the debt in question. I am not denying that a debt is owed ; however, I believe DRS actions are not consistent with the Fair Debt Collection Practices Act.
Product: Debt collection

Assetcare LLC  is reporting  XXXX  false accounts on my credit report. I 've never heard of  Assetcare LLC  nor have I ever done business with them, nor do I have any contracts with  Assetcare LLC. Assetcare LLC  has never sent any kind of correspondence to me in an attempt to collect this alleged debt, so since they have provided any legal documentation, nor have they reached out to me I believe this debt is in valid and needs to be removed from my credit report ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 4 letters to Equifax asking them to validate a bankruptcy with the associated accounts on my credit report. I have asked them to provide written contracts and any proof these are mine. To this date, I have not received anything from them and no explanation on how they " validated '' these are mine. I sent a letter on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2020. Next I will be filing a lawsuit.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to this company over 30 days ago, notifying them of inaccurate reporting and requesting the removal of this account due to FCRA violations. However, I have not received any response. Self/Lead Bank has XXXX pattern of closing CFPB complaints by falsely claiming their reporting is accurate, despite clear errors. I will not accept a generic response when I have provided proof of their blatant inaccuracies, illegal practices, and FCRA violations. 

The date last active is inconsistent across bureaus, with clear re-aging. There are contradictory late payments, charge-offs, and " OK '' notations between XXXX, XXXX, and XXXX. Additionally, unfair interest has been applied, and there are discrepancies in balances and reporting dates. 

I have attached a copy of my dated and time-stamped dispute letter along with documentation for account XXXX, highlighting the erroneous reporting. I am demanding that this account be removed from my credit report within 14 days due to its misleading and inaccurate information.
Product: Credit reporting

I have recently reviewed my Transunion credit report and observed that several inquiries that were disputed and removed and re-appearing on my credit report. Furthermore, other disputed inquiries have not been addressed at all. Transunion always reply with a standard response that it is my responsibility to contact the creditor and address my concern. This is in total contradiction of Transunion previous action because record will show that Transunion had deleted sever disputed inquiries. I am respectfully requesting that Transunion conduct a legitimate investigation into the following disputed inquiries. Furthermore, I want the name of the Transunion Representative that conducted the investigation and the name and contact information of the Creditor Representative that confirmed the inquiry was legitimate. If that is the case I am requesting Transunion to send me a copy of the documents used to confirm that the inquiry was legitimate so I can verify it 's validity. 
XXXX XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ALLY XXXX/XXXX/2016 XXXX XXXX/XXXX/2016 ( They send me a letter confirming that the inquiry needs to be removed. Letter will be provided upon request ) XXXX XXXX XXXX/XXXX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$79.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$75.00XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$89.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$89.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$51.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$900.00} ( Original Creditor : ) XXXX Balance : {$200.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

To : Consumer Financial Protection Bureau Re : Complaint against PayPal for unfair practices I, XXXX XXXX ( XXXX XXXX XXXX, XXXX CA XXXX, XXXX ), am filing a complaint against PayPal for : XXXX. Allowing unauthorized chargebacks on Friends and Family transactions XXXX. Restricting account access without due process 3. Potential violations of EFTA and UDAAP I request CFPB 's intervention to investigate these practices and assist in resolving this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

I filed for forbearance on my mortgage due to Covid19. I asked That if I was still able to make a payment can the payment be applied to the principal only. I was told that yes it can be applied to principal only. I called in a phone payment with a rep on XX/XX/2020 of {$1200.00} & requested the entire amount applied only to principal. When I received my XXXX statement the payment was broken up into {$540.00} to principal & {$570.00} to interest. I called the bank on XX/XX/2020 spoke to XXXX who open up a case to correct. I called back on XX/XX/2020 and spoke to XXXX who stated that the correction would be done prior to XX/XX/2020. I told her that I needed it done by XXXX because that is when I would be making the next payment. She said that it would be done way before then because the system only creates a pending date, but corrections are processed quickly and I would be notified in writing. I called again on XX/XX/2020 spoke to XXXX who transferred me to XXXX who transferred me XXXX. When I requested a supervisor I was put on hold for over 30 minutes. She came back on the line and said a supervisor will call me back and no one ever called me. I called again today ( XX/XX/2020 ) and spoke to XXXX XXXX who put me on hold to wait for a supervisor for 1 hour and 7 minutes and never came back to the phone.
Product: Checking or savings account

Hello, My name is XXXX XXXX, I contacted XXXX XXXX Attorney XXXX XXXX XXXX XXXXXXXX and XXXX of the U.S. Securities and Exchange Commission and he referred me to contact you regarding Coinbase Inc and a malfunction on the trading platform. I purchased XXXX XXXX  times XXXX the ticker/stock went up to around {$160000.00} + I attempted to remove some of my funds of {$130000.00} XXXX and keep the rest in the Coinbase Inc. and the transaction was canceled ( Transaction ID # XXXX ). Later in the evening my account was locked out by Coinbase Inc along with few 1000 other individuals according to reddit complaints. Coinbase Inc has made some type of error and Should be held responsible for their actions. My money is still invested into Coinbase Inc and can not be removed from the platform. Coinbase admitting to the malfunction gave me a tiny compensation credit of {$38.00} in XXXX in exchange for their mistake. I do not think this is a fair as I have email and picture evidence/ proof of my profile listing the correct amount of digital coins and Coinbase Inc went into and altered my profile switching and changing my crypto ownership shares and diluting my profits.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE HARD INQUIRIES WERE ATTACHED TO MY CREDIT REPORT WITHOUT MY CONSENT XXXX XXXX XXXX XXXX XXXX XXXX PA 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

I have contacted TransUnion several times regarding XXXX XXXXXXXX XXXX XXXX ( Acct # XXXX ) and XXXX XXXXXXXX ( Acct # XXXX ) being reported inaccurately. Both accounts are falsely reporting late payments. I have asked TransUnion to verify the late payments on these accounts. The dispute results came back as verified. I requested proof or documentation regarding the late payments on each account. The credit bureau will not supply the evidence. 

In accordance with the Fair Credit Billing Act and Fair Credit Reporting Act, I am requesting that TransUnion provide me with a copy of the ( XXXX ) day statements that was delivered to me prior to the billing due dates. If an e-statement was sent, please provide a copy of each email correspondence with the e-statement. If the statement was delivered by mail, please provide a copy the documents mailed and include the tracking details and/or return receipt. 

If evidence can not be provided that these late payments are valid and proper notification was provided prior to furnishing these delinquencies on my credit report, then the late payments must be removed from both accounts immediately. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I recently reviewed my credit report and noticed accounts reporting that do not belong to me. The accounts are fraudulent and need to be removed immediately under the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ). I am attaching the FTC report that details the fraudulent activity. The accounts associated with identify theft are XXXX XXXX and XXXX XXXX XXXX.
Product: Student loan

Hello, I 'm a XXXX. I took out XXXX school loans from XX/XX/XXXX-XX/XX/XXXX serviced by Navient ( formerly XXXX XXXX ) for well over XXXX. For the next 6 years I finished my XXXX ( 5years ) and XXXX ( 1 year ) at XXXX including XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX with an average yearly income of XXXX. Through out these six years I was repeatedly and from the very beginning was steered by Navient into forbearance. 

The cycle began with when I started residency and my loans went into repayment and I discovered that the monthly payment was almost equal to my monthly income. I was told by the company that deferment and forbearance is my best option unless I had another source of income. Yearly I would receive letters stating that forbearance was expired and that the next payment ( almost equal to my income ) was due and several times received a late fee because I failed to make that payment. Then I would call and was told that the best option was sign a forbearance to avoid further penalties. In the end I was left with nearly XXXX $ when I graduated fellowship. XXXX When I got my first job as an XXXX at XXXX XXXX XXXX, I met with an financial advisor who explained that an option called Income Based Repayment was available and I could have also taken advantage to Loan forgiveness that would have saved me over XXXX $ over the years, however it was too late because now my income has substantially increased and I did not qualify. 

I feel that Navient steered me as an struggling borrower toward forbearance, and obscured information about programs that would have saved me over XXXX $
Product: Vehicle loan or lease

I have an account with American Honda Finance account # XXXX opened in XX/XX/2019, I never received my statement for the first month payment. I never got any phone calls to let me know that I missed a payment as well. When they finally called to let me know I made the immediate payment and have made all my payments on time since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion multiple times about this account and they refuse to verify or delete this account. I have provided them with documentation showing how other bureaus were not able to verify this account as being mine. Also the balance that TransUnion is reporting is not the same as the actual creditor is reporting. TransUnion has not provided me with any documentation showing this account is mine. Also they have reported that my identity have been used to open accounts in my name, so with them not providing documentation to show this account belong to me, makes it seem like they just want the money from the creditor reporting this XXXX information rather than actually completing a thorough investigation. If that is the case I will have no choice but to take legal action against TransUnion.