23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Dear sir or madam, please forward my request to : Barclays Online Banking : to complete my XXXX XXXX payment as submitted on XXXX for two tranches of {$45000.00} on XXXX XXXX XXXX and {$36000.00} on XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX as I submitted them on : XXXX : and on Student Finance XXXX through the facility of my username XXXX and another sum of : {$990.00} : again on XXXX on : XXXX XXXX : for my XXXX, XXXX XXXX, XXXX for my XXXX exam and as such my Barclays Online Banking application # XXXX through the facility of my name XXXX XXXX XXXX should be credited also with the payment of {$990.00} as I requested as well as the payment of a total sum of {$90000.00} for my XXXX XXXX in 2023 and as such my payments would be deducted from my {$100000.00} on application XXXX on Barclays Online Banking and my other sum of {$300000.00} could thus be transferred to my : Barclays Online Banking : account XXXX : through the facility of my name XXXX XXXX XXXX XXXX that the {$300000.00} would reflect on my Online CDs relative to my accoount XXXX on my name XXXX XXXX XXXX and on my next statement on XXXX XXXX Banking account XXXX through the facility of my name XXXX XXXX XXXX XXXX SSN # XXXX and on my statements on XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On multiple occasions, starting on XX/XX/year>, I have written letters to UPSTART XXXX XXXX XXXX  to ask for verification of an alleged debt. They have not responded. UPSTART XXXX XXXX XXXX has illegally posted an account to my credit bureau XXXX. 



UPSTART XXXX XXXX XXXX  Acct Number : XXXX Alleged Amount of debt : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting documentation from XXXX credit reporting agency about a problem I am having with XXXX credit reporting and transunion credit reporting agency. I have 2 XXXX XXXX credit cards one account is reporting as a negative account with a late payment ( which is incorrect ). Ive disputed this wrong information with all 3 credit reporting agencies. XXXX has confirmed after there investigation that these accounts were never paid late. But transunion and XXXX  are still reporting it as a late payment. They are also reporting that my XXXX account has late payment which is wrong also. Transunion and experian should have received the same results as these accounts were never paid late. They refuse to correct my credit report. It is affecting my credit score with this false information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, NEW YORK, XXXX Date : XX/XX/XXXX Subject : Complaint against XXXX XXXX XXXX for unauthorized consultation of my credit Dear Sir, I am writing to file a complaint against the company XXXX XXXX XXXX, following actions that violated my rights as a consumer and caused damage to my credit score. 

On XX/XX/XXXX, following a pre-qualification obtained Via XXXX XXXXXXXX, my Wife and I went to XXXX XXXX XXXX to purchase a XXXX XXXX XXXX. However, after purchasing this vehicle, I was surprised to find that the XXXX XXXX XXXX dealership had ran up my credit file with several financial institutions on XX/XX/XXXX, without my prior authorization. 

This unauthorized consultation of my credit, carried out by XXXX XXXX XXXX, constitutes a clear violation of my consumer rights. The institutions with which my credit was consulted are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This action had the direct consequence of deteriorating my credit score, which created considerable financial and personal harm. Despite my numerous reminders and my approaches to XXXX XXXX XXXX, no action has been taken to rectify this situation or to repair the damage caused to my credit file.

I therefore request the urgent intervention of the CFBP so that an investigation is conducted into this situation, that corrective measures are taken, and that XXXX XXXX XXXX assumes its responsibility by repairing the damage suffered. In particular, I request the correction of my credit score and the clarification of this illegal consultation.

I thank you in advance for the attention you will give to this complaint. I remain available to provide any additional document or information necessary for the examination of this file.

Pending your response, please accept, Madam, Sir, the expression of my distinguished greetings. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This is a bill I reserved from the XXXX XXXX XXXX from XX/XX/XXXX for a XXXX preformed on XX/XX/XXXX and my the company I worked for was taking care of all the bills for that. The company is XXXXXXXX XXXX XXXX XXXX ) XXXX
Product: Debt collection

A collections account has been posted to my XXXX credit report. I have no idea what it is for. I have never received a bill from the XXXX or the collection agency - no contact at all. How can they report it to the credit bureau with out contacting me first?
Product: Money transfer, virtual currency, or money service

I am failing a complaint against Cash App ( Block , Inc. ) filed with the Consumer Financial Protection Bureau ( CFPB ) highlights the following issues : XXXX.Lack of Fraud Prevention : Cash App failed to implement effective measures to address fraud, leaving the users account vulnerable and unprotected.

2.Unfair Dispute Resolution Process : The companys process for handling disputes was described as deceptive and non-compliant with the Electronic Fund Transfer Act ( EFTA ) and Regulation E requirements.

3.Impact on the User : These failures caused significant inconvenience and financial loss, leading the user to seek appropriate resolution. 

The user may consent to have their complaint published on consumerfinance.gov to inform others, with personal information removed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and TransUnion are violating my federally protected consumer rights. They've included inaccurate information on my consumer reportspecifically, two alleged accounts from XXXX XXXX XXXX XXXX without valid account numbers, negatively impacting my reputation. These accounts must be removed as they do not adhere to the reporting accuracy required by law ( 15 USC 1681e ( b ) ). 

Additionally, the agencies failed to provide a clear opt-out form as mandated by 12 C.F.R. 1016.7a. Despite my explicit request to opt out and revoke consent, if they persist in furnishing this data, it violates 15 U.S.C 1681b ( a ) 2. 

Moreover, the reported information directly violates 15 U.S.C 1681 a ( d ) ( 2 ) ( A ) ( i ) as it pertains to transactions and experiences between me and the reporting entity. This constitutes a direct breach.

The inclusion of adverse information, as outlined in 15 U.S.C 1681c ( a ), particularly line 5, violates the statute, specifically 1681c ( a ) ( 5 ). Clearly, this information should not be posted. 

It's evident that XXXX, XXXX, and TransUnion have violated multiple federally protected rights by including this information in my consumer report. According to 15 U.S.C 1681n ( a ) ( 1 ), they are liable for compensation of {$1000.00} per violation, amounting to several XXXX dollars for this breach. 

If these accounts remain on my credit score I will be taking further legal action and protecting my consumer rights. 

The XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian, XXXX XXXX XXXX XXXX XXXX XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of auto financing accounts opened from XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX account open from XXXX XXXX VIA DEALER on XX/XX/year>, account open from XXXX XXXX VIA DEALER on XX/XX/XXXX, XXXX a, account open from XXXX XXXX VIA DEALER on XX/XX/year>, account open from XXXX XXXX VIA DEALER on XX/XX/year>. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

My name is XXXX XXXX and I have a check systems claim from JP Morgan Chase Bank on my check systems report for an old checking account I had with them In 2010 that was comprised due to identity theft. They sent me XXXX misc this year to forgive the amount they cclaimed was over drawn but they still have me in check systems for fraud. Someone stole my debit card and attempted to deposit stolen credit card checks into my account I made a police report and they still closed my account and now I ca n't open an account anywhere. Pleas help with this thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

I file a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any verification on how you received the alleged accounts attached in Exhibit C. And therefore request that you consider this final notice to your offices. Past this point the FTC & CFPB authenticated my sworn testimony on my end. Which I will definitely present to The Courts if need be as evidence of me trying to get this situation resolved and rectify this subterfuge that you are reporting.

I have not received confirmation nor a Testimony that your offices complied with the FCRA and its mandated rules when it comes to reporting accurately in 15 USC 1681 when it comes to accuracy and fairness when reporting. In which I did not validate nor give my consent for any of your companies to share my personal information to any bureaus or third party companies which are also violations. USC 6802 ( a ) & b & 15 USC 1692 ( d ) therefore you are to present me with a certificate testimony and copy that the alleged accounts in Exhibit C are Valid and not subterfuge.

******* ( COPIED FROM AFFIDAVIT ATTACHED ) *******
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX  XXXX XXXX XXXXXXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$1300.00}, which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; XXXX & I am including it again.
Product: Credit reporting or other personal consumer reports

It has come to my attention that certain accounts associated with my name are either not mine, were not properly verified, or contain inaccuracies due to your willful negligence. 

Your misrepresentation of the facts has caused me harm, and I demand the immediate correction and updating of these accounts without further delay. 

I require the removal and closure of the following accounts : - XXXX XXXX  : ending in XXXX XXXX XXXX XXXX XXXXXXXX XXXX : ending in XXXX By failing to adhere to your own administrative procedures, you have demonstrated blatant negligence. This is unacceptable, and I demand immediate compliance with the proper protocols without exception or delay. 

Tacit Agreement : By your inaction, you acknowledge and accept an obligation to pay me {$800.00} immediately. Failure to comply will constitute a deliberate breach of this agreement.
Product: Student loan

My loan amount has gone up and not down. I have been paying $ XXXXmonth since 2003 on a XXXX loan at fixed rate of 5 %. At one point I checked and I had XXXX left to pay. Now all of a sudden I have almost XXXX! I cant get any answers from them. They say they have no documents from 2003.
Product: Payday loan, title loan, personal loan, or advance loan

I sent emails to the company ( Mosaic ) on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in XXXX. I also have spoken to them on the phone XXXX times in XXXX explaining my situation. On XXXX XXXX, a representative showed up at my door to post a letter and proceeded to shut off my power. I explained the situation to them, and they left. I turned my power back on. I have asked for a mediation hearing, but Mosaic refuses to listen to anything I have to say. I had solar panels put in and Mosaic was the company handling the finances. The solar panels have never worked for the XXXX  years I had XXXX company who installed them XXXX XXXX XXXX ) has filed for XXXX. I paid for XXXX years for something that didn't work. No one will fix the panels because of the XXXX I want the panels removed and the loan canceled since they don't work. I feel the contract should be voided because I am not receiving what I signed for. I am supposed to be getting XXXX % of my energy needs and XXXX hour monitoring. I have not gotten either. I can't keep paying for the panels and my entire electric bill.
Product: Credit card or prepaid card

I was sick with XXXX and was not able to make my card payment. I called them to and paid half of the balance off and set it up for automatic payment I ask them to waive the late fee and remove the late payment but it has not been done as of yet. 
Date Reported XX/XX/2020 Payment Status 30 Days Late Amount Past Due {$29.00} Account Details Bureau Name FIRST PROGRESS CARD Account Type Credit Card Responsibility Individual Credit Limit {$600.00} Credit Used 55 % Highest Balance {$330.00} Payment Details Amount Past Due {$29.00} Date of Last Payment Not Reported Monthly Payment {$40.00} Payment Frequency Not Reported On Time Payments 100 % Worst Pay Status Current
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent an affidavit of truth to the following companies regarding reporting inaccurate information to my consumer file at XXXX, XXXX and XXXX. The first complaint was sent to Discover Bank, XXXX  XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX and XXXX XXXX XXXX. According to the tracking numbers that were provided in the affidavit of truth they received the information and the dispute and continue to report the errors to my credit file. The following financial institutions are continuing to violate the Fair Credit Reporting Act after I requested to exercise my right under 15 USC 1681 ( i ) ( a ) ( 2 ) ( B ) 2 Exclusions please see attached affidavit of truth.

Also, under the Fair Credit Reporting Act and the Federal Trade Commission specifically the Gramm-Leach Billey Act 15 USC 6802 Obligations with respect to disclosures of personal information and my right to opt out from credit reporting was violated by these financial institutions.

All five of these financial institutions knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and non-affiliated third parties, which include XXXX, XXXX, and XXXX. They knowingly and willfully withheld information that explains how I the consumer can exercise the non-disclosure option. The following accounts are in violation of the Fair Credit Reporting Act XXXX. Discover Acct # Card ending in XXXX XXXX. XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX
Product: Debt collection

In XX/XX/year>, I was terminated from a job for no reason and experienced financial hardship and could not pay my bills or debts. 
On XX/XX/year>, I received a letter regarding a pending lawsuit from Discover about old credit card debt.
Product: Credit reporting or other personal consumer reports

Account # XXXX XXXX XXXX  Amount : {$520.00} Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681 b 2. They also have no permission to REPORT anything using my info pursuant to 15 USC 1681 4. 

I reached out to the original creditor ( XXXX XXXX ) and they have it on a recorded line that I do not owe anything to them & never had a balance, therefore this should not be on my report. it is an inaccuracy that needs to be fixed asap. in order to fix this inaccuracy, it needs to be removed from ALL of my credit profiles.
Product: Mortgage

To whom it may concern, This complains is against SLS, a mortgage servicing company. This company bought my mortgage on XXXX XXXX from XXXX mortgage. 
I received a letter dated XXXX XXXX, XXXX from SLS servicing company stating that my Condominium Unit Owner was expired ; I thought they were talking about the Hazard and Flood and I faxed it to them. After a call, I realized that they were talking about XXXX which I do n't know what it was, I never heard about it in my 10 years and XXXX different lenders in the property. I just requested the document that demonstrates that I " MUST '' have it but that never happened. If it is by law that I needed I just request in my letter to send me the appropriate law information I will proceed accordingly. From this letter I mentioned I did n't receive another XXXX until XXXX XXXX, XXXX. What I received was a letter warning that they will buy the insurance from me. In the meantime, I kept calling and requesting why I should pay this kind of insurance. 
Later on, a letter dated XXXX XXXX, XXXX stated that they bought the policy, the policy document has the issue date at the bottom ( attached ). What really surprised me was that the cited policy even thought was bought in XXXX, started from XXXX/XXXX/XXXX and expires on XXXX/XXXX/XXXX. IS THIS POSSIBLE? 
SLS after this distasteful issue they proceeded to added this amount to my escrow account. I refused to believe what they did, but it 's a fact. At the end of XXXX I decided to buy XXXX on my one to avoid another disaster, but was in vain. I bought an XXXX policy from XXXX XXXX and XXXX Insurance Company for the expensive amount of {$1000.00} for a small condo. I planned to pay it in XXXX quotes. Few days later I saw this amount also in my escrow account, later I got a check for the down payment amount. When I called the insurance company they explained that my mortgage company paid it in full. Not a phone call, not a notification. 
I have never received a call from this SLS servicing company, ( once I asked why they do n't call and the answer was they have millions of customers and do n't have time to call ). I know there are so many wrong procedures and the internet is plenty of complaints about SLS, public records of fraud and mistakes. As a result, my escrow account is now negative in more than {$2.00}, XXXX dollars. 
My biggest concern is why SLS charged me the insurance from almost a year retroactive when the first communication is dated XXXX XXXX, XXXX ( attached ). 
Thank you in advance.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and found a account I have no know of XXXX XXXX XXXX XXXX XXXX Amount XXXX} This account is located on my credit report attached to a name that is not mine This is a fraudulent account please delete this account immediately
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report i noticed that there were two accounts listed that do not belong to me. Here are the accounts listed below. 

XXXX XXXX XXXX Acct # XXXX, Bal {$42000.00}, Opened XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Bal {$24000.00}, Opened XX/XX/XXXX