23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Hello, my name is XXXX XXXX. My card was compromised weeks ago. The charges are {$390.00} to XXXX. I dont own a XXXX account. Nor live at the address. I have reach out to the comp they can not offer me a refund due to I dont own that account. So they told me do get back from my bank. But my bank can decline my own money. I thought are money was protect? Who the XXXX XXXX doing research XXXX people? Clearly I dont own XXXX account its literally says whole another person at a whole another address. I dont understand how hard it is to give someone money back when they didnt authorize the XXXX transaction. But then proceeds to lock my account? Like I want take this to court.
Product: Credit reporting or other personal consumer reports

Subject : Request for Removal of Inaccurately Reported Accounts Details of the Issue : I am filing this complaint regarding two accounts reported by State Employees Credit Union on my credit report. These accounts have been paid in full, are closed, and being reported inaccurately. Despite this, State Employees Credit Union continues to report inaccurate and unjust information, including delinquency updates, which unfairly harm my credit score and financial standing. 

- Account ending in XXXX ( auto loan ) has been closed since XX/XX/year>, but somehow delinquencies fluctuated incorrectly and negatively, affecting my credit report through out the XXXX  year. I have attached the changes being made from XXXX, XXXX to XXXX. 
- Account ending in XXXX is a salary advance that was NOT classified as a formal loan, but based off income. I want to challenge this as improper reporting to the credit bureau 's. Also, this was not a charge off account. This account is fully paid in full and has been reporting incorrectly. 


Specifically : The delinquency statuses being reported on these accounts are incorrect and misleading, despite being satisfied. 
I have repeatedly requested documentation from State Employees Credit Union to validate their reporting. They have refused to provide this information, obstructing my ability to dispute these inaccuracies effectively. 

Attempts to Resolve : I contacted State Employees Credit Union directly to address these inaccuracies and requested the removal of the accounts, given their paid and closed status and their response was, it was nothing they can do. 
I submitted disputes with the credit bureaus, which were denied without sufficient justification or supporting evidence from State Employees Credit Union. Also, they still reported more incorrect information. 

Why This is Unfair : State Employees Credit Union 's actions are not only harmful but also unfair. I have met my obligations by paying these accounts in full, yet their inaccurate reporting continues to penalize me financially. Furthermore, their refusal to provide supporting documentation violates transparency and fairness principles.
Product: Debt collection

I am disappointed with the response received due to plusfour failing to validate that insurance and the medical company have worked through my claim as of XX/XX/2019 and nothing is owed on my end. Also that plusfour has private medical information which I never released and is a complete violation of Hippa. 

This was never a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. Which at minimum should include the following. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 

I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

I am allowed proper validation under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I requested full documentation of what you received from the provider of service in connection with this alleged debt. 

I attached the private information that plusfour responded with that was a complete violation of my rights to privacy. And in absolutely no way was VALIDATION that the debt is owed to them.
Product: Debt collection

PORTFOLIO RECOVERY ASSOCIATES, LLC a Foreign Business Entity registered in the state of Utah and Registered Foreign Collection Agency in the State of Utah. The registered address provided for the Business is XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX and the Registered Agent and Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, UT XXXX. The company continues to call phone numbers multiple times from multiple numbers and should never have these numbers provided to them in any fashion. The company called a campaign phone number which had been clearly identified as such on any information that would have linked it to me. They refuse to identify themselves as a debt collector when fishing for information and continue to utilize prohibited practices after they have been sent and informed that written communication is the only acceptable form of communication.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several hard inquiries that have appeared on my credit report, which I believe to be unauthorized. The purpose of this letter is to request a thorough investigation and, if appropriate, the removal of these inquiries from my credit report. 


I have carefully reviewed my credit report from your bureau, dated [ XX/XX/XXXX ], and have identified the following hard inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I sent {$220.00} to my friend in XXXX XXXX ( XXXX ) with MONEYGRAM, they will not release the money to her. Contacted MONEYGRAM and requested the money refunded back to me and they refused.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 

1XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Collection {$1600.00} XXXX XXXX XXXX Installment {$0.00} XXXX XXXX XXXXXXXX Lease {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$0.00} 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
Product: Debt collection

sunrise credit services has had my debt from XXXX XXXX since XXXX i made one payment in XXXX  and one payment in XX/XX/XXXX and havent heard from them since until today XXXX XXXX i have a balance with them of XXXX for old student tuition debt. i never received written documentation from them before i started getting phone calls. they hardly call or notify me of anything except when they do call, they are very intimidating and rude and expect me to pay large amounts when I cant. ive been told by their representatives that i could just get a second job, its my debt to pay so i have to pay it, ive been lied to that they dont have supervisors to speak with, ive been told that they will send my account to legal to have my assets investigated like if im working, my checking accounts, and to put a lien on it to force me to pay when ive never been made aware of that before. theyve hung up on me when i wont pay, theyve used profanity and predatory language and make no efforts to be personable. not one conversation has made me feel safe even dealing with this company. im aware of the debt, but im aware of my rights
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance Owed : {$1100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The accounts listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. 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
Product: Mortgage

I had my mortgage with XXXX until XX/XX/2018 when it was sold to PennyMac.. I  got a letter from both companies and was told I did not need to do anything but change payment to new company. Then I get a letter from PennyMac XX/XX/XXXX saying I did not have homeowners insurance and I needed to send proof I have it and if not they would get insurance and I would have to pay. 
Then I get a letter from XXXX XXXX my insurance carrier saying that they had tried unsuccessfully twice to contact PennyMac and they would not reply. Penny Mac Maliciously tried to get me to pay for a bogus insurance they have. This was a threat and a scam. I have never been late paying anything and PennyMac is a unprofessional mortgage company.
Product: Credit reporting or other personal consumer reports

My consumer reports are illegal and unauthorized by state and federal laws and statutes.
Product: Credit card

On XXXX/XXXX/15 we paid {$2700.00} thru the Citibank on-line customer service website for Citibank Master Card charges that were due. We were shown a balance of {$0.00}. 
Starting on XXXX/XXXX/15 thru XXXX/XXXX/15 we charged {$4900.00}. We had {$2100.00} in credits and payments, so our balance as of XXXX/XXXX/15 should be {$2800.00}. 
The Citibank on-line customer service website shows a balance that we owe {$3700.00}. 
When we called to inquire about the difference of {$960.00}, we were told by customer service and management that our payment on XXXX/XXXX/15 did not pay all our charges ( even though the balance showed as {$0.00} owed after the payment ) because the Citibank on-line customer service website is a different system than the statement system that Citibank uses to track your charges. 
We then asked why the Citibank on-line customer service website is available for our use as customers to see our charges and make payments if it is not accurately reflecting our Citibank MasterCard use. We were told by customer service and management that Citibank uses XXXX different systems. 
We have had this Citibank MasterCard for 11 years. We have been paying our balance in full thru the Citibank on-line customer service website for at least the last 8 years, and have never owed or paid any interest charges. 
We feel that Citibank has withheld posting some of our charges on the Citibank on-line customer service website so that we would not know the correct balance to pay ( or we would pay an inaccurate amount ) so then they could charge us interest on the unpaid balance the next month. The {$23.00} that we were charged for interest was minimal, but multiplied by XXXX of customers ( if Citibank is involved in fraud ) would profit Citibank XXXX of dollars. 
We would like an investigation. We do not believe that we owe the additional {$960.00} because the Citibank on-line customer service website showed a {$0.00} balance due after our payment of {$2700.00} on XXXX/XXXX/15. We used the Citibank on-line customer service website in good faith. If the Citibank online customer service website is not accurate and in sync with Citibank 's statement system, Citibank should not make it available for customers to use and trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been divorced XX/XX/XXXX from XXXX XXXX whose XXXX XXXX XXXX is XXXX. 

As she was getting pre- qualified for the mortgage at XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, these enquirers have equally affected my credit score. The credit checks she initiated were done from the months of XX/XX/XXXX through XX/XX/XXXX. 

These enquirers should be removed from my accounts with all 3 credit bureaus and any line of credit that are registered to her SSN or or me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I am glad if you put some margin to CORRECT a portion of the data in my credit document. As I saw my credit file i am so disappointed that there are still a few records that required to update. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. The following accounts needs to be corrected immediately : XXXX XXXX Balance {$3400.00} ; XXXX XXXX XXXX XXXX. XXXX, XXXX Balance {$3400.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$410.00} ; CXXXX XXXX  Opened XXXX. XXXX, XXXX Balance : {$3400.00}. 


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Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , 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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions hay caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

The end of XXXX XXXX I disputed XXXX information on my credit report with United States Court District record to justify my claim. Experian sent me a Credit report with the explanation that it could not use United States District Court documents to change or delete you requested.???? If I have United States Court District documents how is it I can not use them to prove that XXXX account that they are referring to was transferred to XXXX. That they have not been associated with this account since XXXX XXXX. That I have never had an individual account with them, that I have never applied with an account with them and I have never been associated with their former company name XXXX XXXX. How is it that this company has more authority than United States Courts?
Product: Mortgage

This is response to complaint XXXX about OCWEN LOAN SERVICING LLC. Their actions in the matter are reprehensible and I 'm pleading with the CFPB to intervene. No one should wait over six months for a determination on modification request. There process was errant and irresponsible. I have been trying to rectify this matter for months. They made a swift determination that they could not help me shortly after my first complaint was filed. My response to the initial Ocwen reply : After initial unemployment modification ended in XXXX XXXX. Ocwen was notified that I was still unemployed. They took close to 8 months to make a determination on the new modification request. A process which they recommended I follow. This is a long time to claim system errors. They repeatedly asked for the same paperwork that we complied with multiple times. Once I became employed in XXXX XXXX, they repeatedly declined my offer to make payments or establish a different payment plan. Also, the sent me documentation stating that I can bring the loan current for approximately {$17000.00}. On the phone, the relationship manager will only accept {$39000.00}. These types of contradictions have been prevalent throughout their period of servicing the loan. Another example -Throughout their period of servicing my loan they have stated three different loan owners ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ). I have personally contacted all of these banks and none claim responsibility as property listed as owners. They recently sent a letter stating that they could not find another modification because the plans they were researching all expired on XXXX XXXX XXXX. If they knew 6 months ago then why was I not informed immediately so we could discuss other options. I could have been making payment since XXXX to reduce the burden and comply with repayment requests. Now, their only recommendations are a short sale or deed in lieu of foreclosure. They purposely and maliciously extended the process to create the current situation. Again, I 've been able to make payments since XXXX, Ocwen repeatedly declined and told me to wait the for modification process to be completed. They knew from practically day one that the modifications they were researching we not available. Subsequently, after I filed my initial complaint with CFPB, my modification request went from " under review '' to " declined '' in a very brief period.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of 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 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$4900.00} ; XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days I have not received a response yet. I fell like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) It plainly states that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me.