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

I became a victim of identity theft a couple of years ago after that, I see a lot of inaccurate and authorized items in my credit report please these authorized items which are not authorized by me 15 USC 1681 section 602 A. States I have the right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions ( consent ). By law, NO consent is identity theft. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately in XXXX. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. Despite multiple written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation not false copies ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, i have the paper trail where you stated the method of verification as required under Section 611 ( a ) ( 7 ) " you contacted only the furnishers only ''. which means you conducted an incomplete investigation because According to the FCRA Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. according to the FCRA 15 USC 1681 XXXX, XXXX, TRANSUNION MUST DELETE ACCOUNTS MENTIONED BELLOW no later than 4 business days after ; 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

The payment history is messed up. Since this is a collections there should not be a balance, also the dates are reported differently. Please delete this report.
Product: Money transfer, virtual currency, or money service

I bought a computer on XXXX, and paid through paypal because that was the only option, that was sold from XXXX. Paypal receipt # XXXX, and XXXX item # XXXX. It cost me CAD {$190.00}, and their website shows that to translate to USD {$160.00}. I used a credit card to buy it, and  was charged {$160.00} because they charged me in USD, then exchanged it to CAD at a low rate of {$1.00} CAD/ {$1.00} USD. The price shown multiple times in the checkout for was USD {$160.00}, or CAD {$190.00}. I did not agree to use their exchange rate, and the principle of the overcharge really bothers me.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Blow Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirement under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I bought XXXX coin on XX/XX/XXXX for {$21000.00} and they gave me certain amount of shares of this coin when I tried to sell on XX/XX/XXXX they canceled my transaction and locked my account so I couldnt control my account and lost most of my money when I contacted them they said there was an error happened so they stopped trading on this coin till they fix it but after XXXX  days they logged to my account and changed the amount of XXXX and the price in the transaction history and got most of them and said this is the right amount I should have so how come this happen when we agreed to buy we should see how many shares we will get and I have the receipt for that and email with the cancellation for the transaction and a screenshot of my buying transaction before they change it if we said there was an error happened so they shouldnt accept me to buy this coin from the beginning and cancel my buying transaction not to lock my account and force me to lose them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 citicards CBNA reported my account as being delinquent. I have paid off or settled every account that I have with them on XX/XX/2020. I have made several disputes about them report wrongfully on my credit report. They allowed the creditor they sold my account to report on my credit report, then they reported on my credit report, creating a double negative. I have been on hold for 3+ hours waiting for them to answer my questions and take their negative reports down. Then the phone automatically hangs up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit reporting agency is not reporting my XXXX credit card account which has a zero  balance. They are also missing information on my XXXX credit card account. I am also complaining because an account XXXX XXXX XXXX that was previously deleted off my report is appearing again. It is showing as an adverse account. It was deleted now its re-appearing.
Product: Credit card or prepaid card

In XX/XX/2020 I made my usual payment to US Bank with my first bank account, using auto pay, which went through. At the same time I also made an extra payment from my second bank account when went through. At that time I switched my auto pay to my second bank account. In XX/XX/2020, I made my normal payment through my first account since, I had changed the accounts during the billing period. When my payment changed to my second account, the credit company 's system added XXXX zeros to the front of my account which caused my back to reject the payment. I was charged a late fee which was reversed after the error was discovered. Because of this XXXX missed payment, the credit company reduced my credit limit from {$2000.00} to {$700.00}. This, as stated in their letter, was because of my " payment history ''. I have been with this company for several years and have never had a late payment. I always pay more than my minimum payment and make extra payments above my normal payments. The credit company verified that it was a mistake on their part but says I have to request a credit increase to possibly have my limit restored. I spoke with the underwriters who told me that because I don't carry a full balance on my card, pay above my minimum payments, and make extra payments that my payment history makes them feel " uncomfortable '' with my credit worthiness. So because of the credit limit reduction, which impacted my credit score, and my only option to regain my credit limit would require a hard inquiry on my credit, again impacting my credit score, and the refusal of the credit company to correct their error, I have been has penalized XXXX times for their error. Is there anything I can do to have this corrected?
Product: Credit reporting, credit repair services, or other personal consumer reports

Im responding in regards to your response on original XXXX. You stated that youre not reporting to my credit so I will attach the current inquiry that YOU ARE reporting on my credit report. Please remove this asap since you stated youre not.
Product: Debt collection

A judgement was filed against me. I spoke with the attorney to settle. I wrote up our agreement and sent him a check marked XXXX satisfaction in full. After that one was cashed, I sent him the other XXXX amount, which he cashed. He is now saying I ow him interest and filing fees.
Product: Money transfer, virtual currency, or money service

On or around XX/XX/2020, I sent money to my niece through PayPal to help with her bills and other things because she was out of work due to Covid-19. My account was limited at first. They asked me to send in a picture of my ID for verification purposes and informed me that they would get back with me after doing their review. My account was then permanently limited and I was informed that I could not use there services any long and that my funds would be held up until 180 days. At this point I tried reaching out to PayPal and was informed that around XX/XX/2020 I would receive an email informing me that my funds would be available for withdrawal and that if I didnt receive the email that I could contact PayPal after XX/XX/2020. Ive sent multiple emails and have attempted to call their customer service and havent been able to get through to a human.
Product: Mortgage

I submitted extra funds to pay down my principal. In their wisdom/stupidity, Planet Home Lending applied the extra funds as an extra payment THEN to principal. It took 19 days, numerous phone calls, being disconnected and finally talking to a supervisor to get this resolved. 

I will now write a check each month and give them specific directions as to how to handle the overage. 

In the 35 years I have paid on mortgages, NEVER has a mortgage company handled extra funds this way, they have ALWAYS gone to principal. 

My time is worth something. I will never see remuneration from them for their error and my time wasted. I pray they sell my loan to a company that has processors with a XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My email provider, " XXXX '' [ XXXX ] has recently been bought out [ by XXXX, XXXX XXXX XXXX ] XXXX XXXX is converting " XXXX  '' addresses to their own, new email system. I want, instead, to convert all my [ and my wife 's ] credit bureau account records to reflect our XXXX email address.
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing to remedy this breach. Please help me delete these illegal accounts from my credit reports. Account names and account numbers 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

Recently, I did an Investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately : Personal Information and old addresses all need to be deleted immediately. 

Following accounts reporting wrong information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit card or prepaid card

Comenity Bank arranges deferred interest accounts on purchases and presents them as interest free if you pay off before the end of the promotion period. I used this to purchase my XXXX  XXXX on XX/XX/XXXX. This was a 12 month offer. As you can see from the statement I was down to a {$8.00} balance on the XXXX statement. For some reason which I can not remember now I did not make the XX/XX/XXXX payment. When I received my next statement I noticed the payment was not made and the balance had increased to {$17.00}. The statement said on the third line of the statement and at the bottom on the return stub the payment was due on XX/XX/XXXX. This is the usual place consumers look for due dates. 

Comenity Bank does 2 things which is deceptive to the consumer. The end of the promotion is before the due date on the statement. As you can see on this statement the promotion period ended 12 months from date of purchase so you do get 12 months of free interest. But most consumers will look at the date the payment is due as that is the more normal and expected way we do credit cards. This is a trap set up by Comenity and they don't care. I talked to several people and all they would say is '' the charge is legitimate '' I told them I would make a complaint and that did not bother them at all. I even paid the balance shown on the statement {$17.00} that says payment due by XX/XX/XXXX on XX/XX/XXXX and they still would not change.
Product: Checking or savings account

BBVA USA has closed my bank and I do not have any online access to my account and do not know how much funds are in the bank. I have called them many times and gotten no one on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit file and found the following items reporting as a result of identity theft : XXXX XXXX XXXX - Bal : {$96.00} .. showing charged off XXXX - Bal : {$3500.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Bal : {$650.00} XXXX XXXX - XXXX XXXX Bal : {$790.00} Credit Coll XXXX XXXX  XXXX Bal : {$450.00} Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I purchased my home on XX/XX/XXXX. My adjustable-interest rate mortgage payment increased from {$2800.00} to a whopping {$3800.00} since my initial purchase making it impossible to keep current. 

In the past 46 months my economic situation has gotten worse due to the loss of employment. The organization that employed me for XXXX  years shut down permanently due to XXXX XXXX XXXX. Afterwards, I loss a sizable number of loved ones including my pastor, XXXX sisters, a brother, my mother, and my only son. Also, besides my family losses I have XXXX  XXXX in my XXXX XXXX, and XXXX XXXX XXXX. Including a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I suffer with mental health issues including XXXX XXXX XXXX which put a decline in my mental health causing weaken ability for gainful employment. 

I am a XXXX XXXX XXXX XXXX health issues. I love my home, and it means the world to me. This is my only dwelling at the present. This trauma has caused a decrease in my finances making it hard for me to afford the new payment. I'm trying to avoid my foreclosure date of XX/XX/XXXX. I would like to sale my home so I can have funding for sustainable housing, so I won't be homeless.
Product: Debt collection

Attention : Wakefield & Associates reported me to the credit bureaus and the medical had been paid 6 months ago. 

This medical bill was paid to XXXX XXXX, after XXXX paid their share leaving a balance of XXXX. The bill was paid entirely XX/XX/XXXX. I was instructed by XXXX to pay my share of the bill, only after they paid theirs. 

I received my portion of the bill and paid it within 30 days, after I received my portion of the bill. XX/XX/XXXX. 

XXXX  emailed Wakefield & Associates, that the bill had been paid in XX/XX/XXXX. This could have been devastating if I were refinancing my home. 

When I contacted Wakefield and Associates, I was treated like a criminal and harassed because they made a mistake. They lowered my credit rating by 40 points causing a very high interest rates. 

All of the staff at Wakefield and Assc, should take courses on communication. I would highly recommend XXXX XXXX XXXX course in XX/XX/XXXX, in XXXX XXXX or a XXXX XXXX course. 

As always, the Golden Rule applies : Luke 10:27 - " ... Love your neighbor as yourself ... '' Sincerely, Reverend XXXX XXXX
Product: Debt collection

this company kept telling us about the debt. we never knew about that till recently. 
they said they will acting getting money from us wihtout further notice? 
we are XXXX couple..they said they refused to talk to us because we use XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX comunity.. i am thankful for the techlonoly for us to use.. they kept saying '' im not allowing talk to you " i said excuse me.. 
i send them email with the information about relay service.. 
we felt discrimated by them they kept sending us letter and calling us never never left any message on my answering machine??? where is our respects? 
i need respect from them. we recieved letter recently they report on our credit history. they told me that they are not report? 
XXXX supposed to be but they kept telling us we owed them XXXX? 
date is XXXX XXXX they kept threatnin us so much.. where is our respect? i talked with the XXXX VRS manager they said that the company was wrong.. they are against FCC ADA about VRS relaay service ... 
please help us. 
im tired of them kept calling us..they won't tell us wihtout the authroization form for VRS relay service ? it is against the Law because we are XXXX.. we felt discrimated by them. 
im afraid they take money away from us without our permission because we are XXXX
Product: Student loan

During the COVID-19 forbearance, my direct federal student loans were transferred from XXXX XXXX to MOHELA for servicing. Prior to the federal student loan pause, I was on the PAYE IDR plan at XXXX XXXX with a monthly payment of around {$200.00}. Federal Student Aid/U.S. Department of Education is extremely clear about what happens after the federal student loan payment pause ends if you were on an IDR plan prior to the pause. Directly from the FSA/studentaid.gov website, in multiple places : " If you were on an IDR plan before the payment pause began, heres how youre affected : Your paused payments will count toward IDR forgiveness. 
Youll stay on the same IDR plan when payments restart ( unless youve changed repayment plans during the pause ). 
You dont have to recertify before payments restart and for six months after the payment pause ends. '' " You won't be required to recertify before payments restart, and the earliest you could be required to recertify is six months after the payment pause ends. '' Since my federal loans have transferred, MOHELA is stating my payments once they resume will be {$1000.00} monthly. I spoke with several MOHELA representatives on XX/XX/2023, who are stating that I missed my IDR recertification in XX/XX/2023, so I need to recertify now in order to get back on PAYE IDR plan. This is incorrect. Under the rule of FSA/U.S. Department of Education, I was absolutely not required to recertify at any time during the pause, therefore, I could not have missed my recertification date or have been required to recertify in XX/XX/2023. The earliest I can be required to recertify my IDR plan is 6 months after the payment pause ends. Also under the rule of FSA/U.S. Department of Education, my payment once payments resume should be the amount/plan they were prior to the federal student loan pause, which is around $ 207 monthly on the PAYE IDR .
Product: Debt collection

Subject : Complaint Regarding XXXX XXXX  Reporting of Debt, Failure to Provide 1099-C, and Lack of Notification To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their mishandling of my account, including multiple violations of federal consumer protection laws, continued negative credit reporting, and their failure to provide adequate notification or documentation regarding a debt they marked as a loss. 

After extensive efforts to validate this debt and resolve the matter directly with XXXX XXXX, I have reached an impasse due to their persistent non-compliance with federal regulations. 

The specific issues are as follows : Failure to Provide Required 1099-C Documentation : XXXX XXXX XXXX this debt as a loss but failed to issue a 1099-C form, as required under the Internal Revenue Code ( IRC ), Section 6050P. This lack of documentation prevents me from understanding and addressing the tax implications of their actions. 
Denial of My Right to Dispute : XXXX XXXX did not notify me of this debt or provide an opportunity to dispute it, violating the Fair Credit Reporting Act ( FCRA ), Section 611, and the Fair Debt Collection Practices Act ( FDCPA ), Sections 807 ( 8 ) and 809 ( a ).

Lack of Notification : I was never informed of the alleged debt or given any warning regarding their intent to report it negatively on my credit file, in violation of FCRA, Section 623 ( a ) ( 7 ), which requires furnishers to notify consumers before reporting negative information. 
Improper Credit Reporting Practices : Despite marking this debt as a loss, XXXX XXXX continues to report it negatively on my credit report, violating the FCRA, Sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require accurate reporting and proper investigation of disputes. 
Impact on Me : These violations have significantly damaged my credit standing, created unnecessary financial hardship, and caused emotional distress. The absence of proper notification and documentation has also deprived me of the ability to address this matter in a timely and informed manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX Date : XX/XX/year>2025 To : FactorTrust , Inc. XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Update Public Records with Phone Number Dear FactorTrust Support Team, I am writing to request an update to my public records in your database. Specifically, I would like my current phone number to be added or updated in your records to ensure the accuracy and completeness of my profile. Details to Update : Phone number : XXXX I have attached proof of my identity and documentation verifying my current phone number for your review. Please let me know if additional information or documentation is required to complete this request. I kindly ask that this update be processed promptly. Once completed, I would appreciate confirmation of the update to my public records. Thank you for your attention to this matter. Please feel free to contact me at XXXX or via email at XXXX if you have any questions or need further information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX