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

I instructed all XXXX credit bureaus to put an extended XXXX  year FRAUD alert on my file and to stop giving my information out against my wish. My former employer and specifically the money laundering organization XXXX XXXX XXXX, XXXX XXXX XXXX in XXXX MO XXXX who laundered my recovery from the SEC enforcement act and is continuing to launder from XXXX and XXXX stole my cell business phone and a brand new XXXX I had yet to use a few days ago. They have been cyberstalking me since 2011 and heard anti trust agents tell me my credit was so good and ask me what my name was. I knew I was being cyberstalked so I said XXXX XXXX and absolutely said I would testify against these criminals. They waited and stole my identity again and continue to tamper with a federal witness by way of unathorized cyber attacks and lurking without my authorization. All my communications have been monitored since 2011.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account name : # XXXX, Account name : # XXXX, has violated my rights. 
I looked at my Experian credit report on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. I submitted a dispute with Experian on the same date and my results from report number # XXXX 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting at XXXX, XXXX, and Equifax has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

According to the 15 USC 1681 section 602 ( a ) state I have the right to privacy.

According to 15 USC 1681 ( b ) ( 2 ) I didn't give any of these accounts written permission to furnish them on my credit report.

I have document attach with the list of accounts
Product: Checking or savings account

IM A VICTIM OF IDENTITY THEFT AND I HAVE NO HISTORY WITH THESE BANKS. DIRECT COMMUNICATION WITH THE BANKS CONFIRMS NO RECORD OF MY ASSOCIATION. INFORMATION SUGGESTING OTHERWISE IS INACCURATE AND IS TIED TO FRAUDALENT ACTIVITY. IM ACTIVELY RESOLVING THIS ISSUE, REPORTED TO AUTHORITIES. KINDLY ASSIST IN RECTIFYING ANY ERROREOUS BANK RELATED RECORD.
Product: Credit reporting or other personal consumer reports

Transunion did not fully investigate information in my credit report and failed to remove/update false information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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, remove the noteworthy of any items in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : {$460.00}
Product: Debt collection

I received a letter dated XX/XX/2022 from Rausch Strum LLP Attorneys At Law. Attempting to collect an alleged debt! I have never received any correspondence from this attorney. XXXXm fact, it is unlawful for you to contact me without my consent! Who gave you my location 15 USC 1692a7? Who gave you direct consent 15 USC 1692c? Please stop harassing me pursuant to 15 USC 1692! I hereby demand that you cease and desist from all forms of communication. An attorney can not be a debt collector and attorney at the same time! You are in violation of 15 USC 1692e ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. 
15 USC 1692e ( XXXX ) The threat to take any action that can not legally be taken or that is not intended to be taken. 
You cant sue me you uneducated corporate piece of paper and thats pursuant to 15 USC 1692i ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. you have my private information that I did not consent for you to have and Congress found that to be identity theft! If you even attempt to contact me again I will take you to court and sue you for violating my rights as a consumer! Please be advised that every violation is worth {$1000.00} plus pain an suffering for mentally breaking my spirit and causing stress having to respond to you violating federal laws! Delete all of my personal information from your records!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Credit card or prepaid card

When I accessed the Capital One credit card site on the internet to pay my monthly bill as I have always done, there are a number of questions trying to get me to update my income. It will not allow me to bypass it to pay my bill. I called and complained, and they agreed to take it down. Today, I tried to access my account again to pay, and the same questions came up, and not allowing me to bypass it. I do n't want to update my status. I am in the process of paying this credit card off, and have a balance of {$1600.00} on a limit of {$3300.00}. This amounts to harassment as I only want to quickly pay by internet as opposed to paying by phone which is a longer process. When I call by phone, there is always a long wait time. It is as if they are deliberately causing me to waste my time because they know that I am paying them off. I 'm wondering if they are trying to get me to pay by mail, which would then make my payment late and entitle them to their ridiculous late payment fee of {$35.00}. I have  a credit score  of  XXXX , superb, and have been a customer of theirs for years. This is uncalled for harassment and I want it to stop.
Product: Credit card

I filled a dispute for XXXX $ when I discovered the merchant was probably a scam and not sending any package. The merchant claimed to me in writing the package was cancled because of my dispute. They also later claimed they no longer have my money because I filled a dispute. I spoke with my bank because I had been unable to find a letter they sent me on XX/XX/XXXX. They said I have XXXX .month to upload documents. I believe this is incorrect as you have 90 days for an investigation. They are claiming it is to far past the XXXX month. I even tried to discuss it with a XXXX who just said that's not how this works we are given XXXX month by visa. I spoke to multiple people at the bank without getting any assistance including managers.
Product: Mortgage

I have a Mortgage with Select Portfolio Servicing for {$160000.00}. On XXXX XX/XX/2022 I paid {$80000.00}. to my Principal. 

Because my monthly payment didn't change, I asked for a new payment schedule, but the lender answered with a letter telling them that they can't provide MY payment schedule, because it is a privilege information? I am enclosing the letter bellow. 

Also I called and asked for the mortgage recasting, and they said I don't qualify, when I asked the reason, the operator says she can't tell my reason, just the system doesn't allow her to do it, and when I asked to provide that answer in writing she answered they can't provide it. 

I would like to add that I never had missing a single payment in my whole life, and that I have an excellent credit score. 

Honestly I feel they are stealing from me and I believe something is not right in this whole situation.
Product: Payday loan, title loan, or personal loan

They did n't tell me that they was going to charge me 100 % interest had me to pay back doubled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2021 I have been contacting TransUnion, XXXX and XXXX in about my consumer report. To date they have continued to ignore the countless letters that I have sent them. They are violating my rights as a consumer and they are furnishing a bankruptcy on my consumer report that they have illegally for profit via XXXX. I have contacted The XXXX XXXX Clerk of Courts and they have informed me that they do not and did not provide bankruptcy info to TransUnion, XXXX and XXXX. I also did not give them permissible purpose to furnish any of the information that I have disputed. They are also violating my right to privacy. Furnishing a consumer report without the consent of the consumer 15 USC 1681B. Furnishing an account that was created from a credit card or similar device 15 USC 1681 ( A ) ( 2 ) ( B )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing an account XXXXWells Fargo that XXXX as on my credit report. This account does not belong to me. Ive requested for the last two years that XXXX send me proof that this is my debt but they still have not done so. XXXX XXXX does not handle my student loans. Ive spoken to a representative at XXXX/Wells Fargo which is now known as XXXX XXXX that informed me that I do not have an account with them. So which company is XXXX reaching out to, to attain there verification of this debt? According to the Fair credit report act, credit bureaus are to provide proof when a debt is listed as verified and XXXX as failed to do so.
Product: Student loan

I attended XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX illinois. I was misled regarding loans. The school falsified my signature in a few loan papers to obtain loan money. I was not aware when this happen all I knew is that the school kept me going to classes. I never graduated with my fellow students. I had to pay for the associate diploma. The department of education has an application for loan forgiveness going but in the mean time XXXX has sold the loans to Navient and other recovery agencies and they all have different loan amounts. I need help resolving this matter
Product: Credit card

I was a victim of fraud in XXXX, XXXX in XX/XX/year>. A taxi agreed to charge me {$30.00} for a trip but it ended up charging {$3100.00} to my credit card account. I contacted Citi when I discovered this fraudulent charge in XX/XX/XXXX. They asked for a receipt but I couldnt furnish one. They said they would contact the merchant on my behalf. After not hearing any updates, I called Citi Master Card on XXXX XXXX which they told me the merchant would be given 45 days to respond which has lapsed. Last week they sent email to call for more information which I did but didnt receive any information about the investigation. I called yesterday, XXXX XXXX, as Citi is still trying to charge my account for this fraudulent transaction and havent received a letter in the mail regarding my case. Ive called several times and each employee has bounced my call around to various departments who arent able to provide any answers. Please help me. The charge is a fraudulent charge, one of well known Scams in XXXX, XXXX which I was not aware of until it happened to me. I XXXX and was surprised to see many people that had the same issue, XXXX XXXX XXXX XXXX does help their members but Master Card does not.
Product: Debt collection

XXXX receive medical treatment at : Account Name Original Creditor Open Date Balance Debt Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$1100.00} === {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I paid my co-pay and XXXX XXXX Paid the XXXX XXXX {$1100.00}. I resigned from my federal job in XX/XX/XXXX. In XXXX I got a letter from collection agency for {$1100.00}. I went to the clinic to find out why they sent me to collection agency. They stated the claim was paid but charged back by XXXX XXXX. I called XXXX XXXX who stated they charged back the payment when they received notice that I resigned dated XX/XX/XXXX which triggered the charge back. I called XXXX, my previous employer about the wrong date and they corrected the date and sent it back to XXXX XXXX. I was instructed to tell the clinic to resubmit the claim for payment again because XXXX XXXX can not repay the claim until the clinic request repayment. 

The clinic office manager stated the doctor that worked at that time is no longer there and company policy will not allow them to reprocess the claim. I submitted a dispute and the reason twice to Experian and each time they refused to verify with the clinic. 

The only result I want is for the collection to be removed from my credit. Its their right to decide not to process the claim but when they refuse to do so and XXXX XXXX is willing to pay the claim. That is there decision not to get paid. I ask that your agency call the clinic and request from them to remove the account from collection and suggest they change their policy and refile the claim.
Product: Credit reporting or other personal consumer reports

Here 's a memo to the Consumer Financial Protection Bureau ( CFPB ) disputing the inaccurate late payment information on your credit report : -- - **XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX [ Email Address ] [ Phone Number ] **XXXX  XXXX, XXXX **Consumer Financial Protection Bureau** XXXX XXXX XXXX XXXX XXXX XXXX  XXXX # # XXXX **Subject XXXX Dispute of Incorrect Late Payment Information on Credit Reports** Dear Consumer Financial Protection Bureau, I am writing to formally dispute the inaccurate late payment information reported by the XXXX major credit bureausXXXX, XXXX, and Equifaxon my XXXX XXXX ( Account # : XXXX ) XXXX 

Below are the specific details of the account as reported by each bureau : - **XXXX** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - XXXX-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **XXXX** - Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$100.00} - Credit Limit : {$1800.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - XXXX-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

- **Equifax** XXXX Account Type : Credit Line - Account Status : Open - Monthly Payment : {$8.00} - Date Opened : XX/XX/XXXX - Balance : {$18.00} - High Credit : {$1800.00} - Credit Limit : {$0.00} - Past Due : {$0.00} - Payment Status : Current - Last Reported : XX/XX/XXXX - XXXX-Year Payment History : Indicates late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to have accurate information reported in my credit file. Section 611 of the FCRA ( 15 U.S.C. 1681i ) requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within 30 days of the dispute being filed. 

I request that the CFPB investigate this matter and instruct the credit bureaus to remove the incorrect late payment information from my credit reports. I have maintained current payments as indicated by the " Current '' status in all other areas of my account details, and the reported late payments are erroneous. 

Thank you for your prompt attention to this matter. Please inform me once these corrections have been made. 

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

I had a credit card with XXXX XXXX XXXX XXXX Account # XXXX balance of {$6100.00}. My husband filled a XXXX XXXX  bankruptcy XXXX XXXX. : XXXX File Date : XX/XX/2018, and XXXX was part of the bankruptcy. It is still showing on my credit report that there is a balance and past due.It also says it was " written off ''. Non of this is correct.
Product: Money transfer, virtual currency, or money service

I am doing a complaint against Cash App, ( Block , Inc. ) due to an inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take the timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. In addition to, their dispute resolution process was unfair and deceptive, as they did not complain with error resolution requirements 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: Credit card or prepaid card

I used my Cashapp credit card to make an online purchase. After not receiving the items ordered nearly 3 months later and contacting the merchant several times, I asked Cashapp to perform a chargeback. Cashapp denied my request. When I asked to see documents on which the denial was based, Cashapp provided me a copy of a document which showed that I authorized the transaction. The fact that I authorized the transaction has nothing to do with the fact that I did not receive the items. Cashapp did not attempt to contact the merchant or do any type of investigation and they refused to help me any further.
Product: Debt collection

I disputed this collection account with all three credit bureaus multiple times the latest date being XXXX/XXXX/XXXX. I have a collection account for the amount of {$140.00} showing on both my XXXX as well as my XXXX credit reports. XXXX removed the collection because this account violated FDCPA Section 807 ( 8 ) ( this law is for collection agencies ) 807. False or misleading representations [ 15 USC 1692e ] ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. This debt is also in violation of Section 392.101 of Texas Finance Code which prohibits a third-party debt collector from engaging in debt collection in Texas unless the third-party debt collector has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Furthermore, Sec. 392.301 ( a ) ( 4 ) of Texas Finance Code Prohibits threatening to sell or assign to another the obligation of the consumer and falsely representing that the result of the sale or assignment would be that the consumer would lose a defense to the Consumer debt or would be subject to illegal collection attempts.as well as the Deceptive Trade Practices-Consumer Protection Act. I have filed a complaint, see attached, with the Texas Attorney General Consumer Complaint Division as well and I request the immediate removal of this trade line from all three credit bureaus as you and the original creditor have violated the aforementioned laws. 
This debt has been removed and reinserted multiple times on my reports. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX XXXX from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond to this complaint may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This complaint is a notice and an attempt for you to correct your records and delete this account from my reports on all major credit bureaus.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the CFPBs recent lawsuit highlighting significant issues with the platform. Despite using Zelle numerous types and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible, in addition to being told to reach out to the recipient to request funds myself. The CFPBs findings indicate that Zelle has not only neglected to protect consumers, but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit card or prepaid card

FORTIVA gave me a credit card with a limit of XXXX. They were jealous of me and allowed me to spend XXXX which put me XXXX over what they gave me. This is not a bank card or bank account. There is NO overdraft feature at all. They added the XXXX and reported this to the credit agencies and said I went over the amount Fortiva gave me which is IMPOSSIBLE. I want them to fix what they reported and because they only gave me XXXX credit limit not XXXX credit limit. They advertised XXXX and then they changed the terms to report false information to the credit agency in order to change my credit utilization score intentionally. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Over or At Credit Limit XXXX/XXXX/FORTIVA XXXX has reported your account as over or at your credit limit. 

Financial XX/XX/2022 What happened? 
On XX/XX/2022, XXXXFORTIVA XXXX has reported to Experian that your account as over or at your credit limit. As a result your score went down XXXX points. 

Source : XXXX XXXX : XXXX/FORTIVA XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXX ) XXXX Activity : Bank/Credit Card Over Credit Limit Balance Date : XX/XX/2022 Balance : {$1000.00} You are receiving this alert because your membership includes XXXX credit monitoring & alerts