23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I used this platform recommended by someone I met online. Its called gemini, I used my saving XXXX aud and he lend me XXXX usdt so i can trade more, he sent it directly to gemini then we earned more than {$170000.00} usdt and we were asked by gemini to pay 10 % personal tax of my assets so we did that XXXX the man i met online helped me to collect funds for tax then we were able to settled it then after that gemini asked me again to verify account due to multiple transactions 10 % of the account balance and I paid it the they asked again for another verification because my XXXX  wallet was abnormal i begged for 5 % verification fee and they agreed so we settled taht and asked for service fee and i paid that then later on they said my accout was detected for money laundering and i have to verify my account again10 % of my funds. Im in so much debt i could not afford to keep verifying my account. I couldnt get my funds back and later on I found out that this platform that im using is different to the other gemini and XXXX said its just thesame and now i realized i got scammed. Please help me get my money.
Product: Credit reporting or other personal consumer reports

Im writing you today about a grave issue. My privacy rights are being invaded. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy.

For the record, Im the one whos initiating the disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. According to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

In your previous correspondence you mentioned that my identity theft report needed to be filed with a law enforcement agency which subjects to criminal prosecution. One of these agencies is the Federal Trade Commission ( FTC ). FYI the report I was filed online WITH THE FTC which by your representation IS A law enforcement agency. My FTC Report # is XXXX. I dont think you have reviewed the documents submitted & are sending me frivolous boiler plate responses to deflect from your responsibility to comply with FCRA laws. Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

'I disputed information on my credit report and asked for a reinvestigation on the XXXX XXXX XXXX account back in XXXX  to validate the debt, the information is still on my report. They are reporting information on my report of an account being charged off and sold to another company, but they have not provided me with the new company information. There is a partial account number that can not be verified. They have failed to provide me with information showing what information they used to confirm that the debt belongs to me, they just keep the information reporting on my credit report. My rights have been violated and I have been impacted negatively because of this. According to the FCRA 1681 ( e ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. 

They have not followed these laws but they are reporting this account on my report.
Product: Credit reporting or other personal consumer reports

Date filed : XX/XX/year> Experian Information Solutions , Inc . 
On XX/XX/year>, the Bureau filed a lawsuit against Experian Information Solutions , Inc., one of the largest consumer reporting agencies in the country.

Part of a data breach
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

Ive repeatedly asked this credit bureau and NCC Business Services to supply me with documentation to provide to authorities. THis account was opened and established in my name in error or thru complete fraud. THis account needs to be removed from my credit file as the debt they are trying to collect does not belong to me in anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information has been compromised in Equifax 's hacking incident.
Product: Debt collection

I sent a letter to XXXX XXXX requesting that they validate, NOT verify a debt that they are attempting to collect from me. I asked for a signed agreement or other supporting document with my signature. They provided a billing statement which does not prove that I am obligated to pay them. A billing statement is not a validation. They have reported delinquent information to the credit bureaus that I am asking to be deleted. 
I have never done business with the company XXXX XXXX and have no contract.
Product: Vehicle loan or lease

Back in XXXX, my car was repossessed due to financial struggles. I managed to gather the necessary payment to reinstate it and maintained daily communication with both the finance and towing companies, informing them of my expected pickup date. Despite notifying them the day before, my car was towed XXXX hours away to an auction. As a result, I had to incur additional expenses to travel and retrieve it. 

After reclaiming my car, my payments were applied to the repossession fees instead of my current payments. This was never explained to me, despite multiple conversations with different representatives. In XXXX, I finally spoke with a representative who assured me that my payments would be correctly reapplied. However, even after continuing to make payments, they were again allocated toward fees instead of my scheduled payments, leading to another repossession. 

I contacted the company and requested an audit of my account to verify my claims but never received a response. When I followed up, I was informed that no such request was in their system. Now, my car is once again XXXX hours away, making it even more difficult to retrieve. This is unacceptable and criminal. This is a setup for financial failure.
Product: Debt collection

XXXX XXXX  company. Called explaining that I no longer wanted the timeshare and to take it back or work with me on lowering maintenance fee. They were NOT willing to do that. Harassing me and threatening me with credit reporting.
Product: Credit card

Company disregarded my inquiry and have not updated my account to reflect changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below hasIn violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

The following Creditors and Debt Collector have violated my rights : ACCOUNTS : # ORIGINAL CRED : XXXX  XXXX XXXX  - # XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like the these creditors to provide me with a 1099c due to the debt being a write off, if this information can not be provided these account need to be removed from my credit report. 

XXXX XXXX XXXX, I AM NOT LIABLE FOR THIS DEBT WITH XXXX XXXX XXXX, AND DO NOT HAVE A CONTRACT WITH THIS COMPANY. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED. 


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: Vehicle loan or lease

XX/XX/2023 I submitted an application bearing my name social security number and endorsement for credit for a car for personal use. the Bank used is my primary bank and haven been dined for a credit transactions for 10 years of. active deposits. this company has not extended me credit on one occasion, so it has become gross behavior and am seeking the maximum allowable monetary penalty to relieve the harm cause by this company.
Product: Checking or savings account

Requested a new account opening online on XX/XX/XXXX and was told that follow-ups were required. Two options were presented ( mail and in-branch ). I opted to go in branch to complete the application. Went into branch on XX/XX/XXXX ( XXXX XXXX XXXX, XXXX ) and representative said they could n't complete the application online and needed to open a new account ( which I obliged ). Once complete, I received written and email notifications to complete my online application. When I called back/online chatted, I was told to ignore the notifications as my account was setup. Fast forward to XX/XX/XXXX when my account was closed down. Furthermore, I had a {$1000.00} direct deposit setup for XX/XX/XXXX which BMO Harris branch ( I visited the same XXXX on XX/XX/XXXX ) claims that they ca n't see despite what the online support team says. I am now without a bank account and {$2600.00} ( direct deposit amount from employer plus the existing balance that was mailed to me ).
Product: Credit reporting or other personal consumer reports

under the fair credit reporting Act ( FCRA ) credit Reports must accurately reflect a consumers credit history any discrepancies, such as late payments close account or unauthorized inquiries violates the federal law transfer me the right to dispute any rectify these inaccuracies there are unauthorized inquiries, unauthorized accounts on my credit report closed unauthorized XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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  unauthorized account closed
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report.

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

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Subject : Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number [ XXXX ] for my credit card to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card, auto loan, and/or mortgage have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score.

Furthermore, I would like to refer to the Protection Against Non-Payment of Obligations Act ( PAANL ), which establishes that creditors must ensure timely delivery of statements to avoid unfair penalties to consumers. 
I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : [ XX/XX/year> ] I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations. 

Thank you for your attention to this important matter.
Product: Checking or savings account

XXXX XXXX signed the back of XXXX XXXX XXXX XXXX dollar check from his life insurance and I XXXX XXXX took it to the atm machine and it was deposited on XXXX XXXX on XXXX XXXX the check was returned and XXXX XXXX the owner of the account was told that she or XXXX XXXX couldn't cash the check that she XXXX XXXX either needed to bring XXXX XXXX to the bank or come and pick the check up, I even offered to pay off his dept. to XXXX XXXX and XXXX XXXX XXXX said No he couldn't have an account with Wes banco for 5 years, its ok she stole the XXXX XXXX in question by giving us a check that XXXX XXXX processed and gave us a check that caused us to bounce checks like crazy, have all documents if need can send via mail thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I disputed an account on my credit report regarding XXXX XXXX XXXX to Transunion through XXXX XXXX file number XXXX, it has been over 30 days and the issue has not been resolved. Under the Fair Credit Reporting Act, I would like this account to be removed from my credit report. Thank you!
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern regarding the permanent limitation placed on my PayPal account with the email address XXXX. I believe there has been a misunderstanding or mistake in this matter, and I kindly request a thorough re-evaluation of my case. 

Firstly, I want to emphasize that I have always strived to comply with all of PayPal 's policies and guidelines. To the best of my knowledge, I have not engaged in any activities that would warrant such a limitation. I value my PayPal account for its convenience and security and would never jeopardize its status. 

I understand that PayPal takes its policies seriously, and I respect that commitment. However, I firmly believe that this limitation may have been imposed in error. I would greatly appreciate it if you could re-examine my account 's activity and reconsider this decision. My intention is to continue using PayPal responsibly, in full compliance with your terms of service. 

In light of the above, I kindly request that you initiate a thorough review of my account. If, upon review, you find that there has indeed been a mistake, I respectfully ask that you reinstate my PayPal account. Regaining access to my account would greatly assist me in managing my finances securely and efficiently. 

I am truly invested in resolving this matter amicably and hope that PayPal can provide the opportunity for me to clarify any concerns or issues that may have led to this limitation. I am ready to cooperate fully and provide any necessary information to facilitate this process. 

Thank you for your attention to this matter. I look forward to your prompt response and the possibility of having my PayPal account reinstated. Your assistance in resolving this situation would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts : XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX Account number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX All companies violation of many laws with the account, Charged off/ written off accounts can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! XXXX is in violation of FCRA 15 USC Code 1681e B. As well as 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FUR-NISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX XXXX a number of times explaining that my credit file should have been on deferment due to myself being XXXX, I was born XXXX and have been receiving social security  XXXX since birth. My credit shows late payments which is damaging to my credit dated XX/XX/XXXX- XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX on all 3 bureaus, I am only asking in good faith to remove the late payments off of my credit as I pursue to better my credit and life. Thank you
Product: Credit reporting or other personal consumer reports

There is incorrect and inaccurate information in my credit reports regarding the XXXX XXXX XXXX Account with Lead Bank. I found various errors and inconsistencies regarding the opening dates, payment history and closing of said account, as well as the rating, payment status of the account, the type of creditor and the observations offered by the same. The information reflected by the different credit reporting agencies is in disagreement. 
Pursuant to the Fair Credit Reporting Act, the account has violated my consumer rights under 15 USC 1681 Section 602A, which federally protects my privacy and confidentiality, 15 USC 1681c. ( a ) ( 5 ), which states that no consumer reporting agency may make any consumer report that contains any element of adverse information, and 15 USC 1681s-2 ( A ) ( a ), which states that a person shall not provide 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: Mortgage

Ditech is showing our mortgage as 58 days late as of  XXXX  17  when they have stored unapplied amount of {$3000.00} we paid and not applied it to the mortgage. This is completely unfair. Furthermore, they are reporting it to all  XXXX  credit bureaus. I have contacted  Ditech  when the unapplied amount was approximately {$980.00} by email on  XXXX 17 and have not received a correction, just an acknowledgement of the email. Now, the unapplied amount has grown because we have been paying the mortgage, but Ditech has not applied it to the mortgage which makes us late. This is fraud.