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

1692b. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt; and ( 6 ) after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorney 's name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector. 




Collection Account with Original Lender XXXX XXXX XXXX is currently being handled by an out of state debt collection agency by the name of XXXX XXXX XXXX whose address is : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX Phone number ( XXXX ) XXXX This is a violation of my rights as a consumer and this agency has no right to attempt to collect a debt from a Texas resident. I am requesting permanent deletion of this account on my XXXX and Experian credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, PA, XXXX In accordance with the Fair Credit Reporting act, XXXX XXXX Account 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian hello, my name is XXXX XXXX, and my SS is XXXX. Experian has been operating outside of the mandate of the United State Congress granted to Credit bureaus. for over 5 years I have contacted Experian about the incorrect information on my credit file by mail, about 5 times, and by phone 2 times and they refuse to make the necessary correction. on my credit, they have closed accounts and charged off accounts, as an open credit line. At present, I only have XXXX open credit card account for {$1500.00}, but Experian is showing all my charges off and closing account open lines of credit. 
They have over XXXX different addresses I have not lived to in the past 5 years. This is one of the most dishonest outfits I have ever seen.
Product: Debt collection

Suncoast Credit Union mistakenly tried to take money from my savings account ( which did not have a balance ) on XX/XX/XXXX and also XX/XX/XXXX for a car payment that did not belong to me. The credit union paid the car payment and then sent me to XXXX XXXX XXXX XXXX ( XXXX ) for the amount. 

I received a letter from Suncoast on XX/XX/XXXX stating that my account was overdrawn and that they closed my membership account and charged off the debt. This was the first letter that I received in the mail and I immediately went into the local branch to dispute it. They told me that they sent prior messages to me but they were only sent digitally to my account and again, it is an account with no balance that I never use so I didn't have any reason to check for messages with this account. 

I explained to Suncoast that the car payment to XXXX XXXX was NOT my debt and I never had an account with XXXX. They told me that they couldn't do anything about it. This is wrong. They admitted to me that they paid a car payment that is in XXXX XXXX XXXX 's name, which is admitting that they made a mistake. I do not know XXXX XXXX XXXX and never have, this is a bill that the Suncoast Credit Union paid by mistake from my account for someone else 's car payment. 

On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX stating that my account was referred to them by Suncoast Credit Union for collection of a debt of {$430.00}. At this time, I pulled my credit reports from XXXX, XXXX, and XXXX XXXX this debt is now showing on my credit reports and therefore ruining my credit. I am only XXXX years old and this is so unfair. This is not my debt and Suncoast is not taking responsibility for their error.
Product: Mortgage

I have got a refinance on my house, by U.S.Bank, escrow closed on XX/XX/2020 the issue I have is with loan agent, Mr.XXXX XXXX, Mortgage loan Originator, NMLS # XXXX. 
Mr. XXXX XXXX promised me with his hand writing on back of his business card, that my final closing cost will be {$1700.00} and kept insisting that I should sign the documents and then they will show me the break down on the cost. 
After escrow was closed, I was charged {$440.00} more than I was promised, many phone calls and leaving messages without getting any respond, I've decided to make a complain with the Bureau. 
XXXX XXXX phone # ( XXXX ) XXXX Home Mortgage Division, XXXX XXXX XXXX XXXX, XXXX, XXXX
Product: Debt collection

I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, has violated my rights 15 USC 1681 Section 602 A. State I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of Information Any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any Information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, lost my wallet in XXXX of XXXX. I was under the impression that one of my children had mistakenly thrown it away, as it was sitting near empty shopping bags. The wallet was filled with my personal information ID 's, Social Security card, debit cards and checkbook, I replaced all the items in the wallet with no issues and it wasn't until when I recently checked my credit, that I learned that several accounts have been opened in my name without my permission. I have contacted the credit bureaus for assistance, and I was instructed to make a FTC Fraud Victims affidavit and report so that they can fully investigate and remove these accounts from my credit report. 
Below are the fraudulent accounts showing on my credit report - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$650.00} - XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$1100.00} - XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX ), ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX  XXXX ACCOUNT # XXXX, opened XX/XX/XXXX for {$450.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX XXXX opened XX/XX/XXXX for {$4100.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$700.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$510.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$25000.00} - XXXX, ACCOUNT # XXXX, opened XX/XX/XXXX for {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to public records on my credit report XX/XX/XXXX & XX/XX/XXXX and they came back as accurate. I submitted a request for verification dated XX/XX/XXXX, mailed on XX/XX/XXXX, received by experian on XX/XX/XXXX, stamped by unknown name at XXXX XXXX  XXXX XXXX, Tx certified XXXX XXXX XXXX XXXX XXXX. I received no response related to my request for verification Method. Experian failed to follow procedures set up by FCRA guidlines. I sent a follow up letter on XX/XX/XXXX. XXXX giving them until XX/XX/XXXX to comply. As of todays date XX/XX/XXXX, I have received no response. I am enclosing a letter from the United States XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Wi XXXX, who is the holder of records for Bankruptcies see letter dated XX/XX/XXXX signed by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX stating, " the court does not place information on credit reports. '' Experian claims the public records were obtained from XXXX XXXX XXXX. I contacted XXXX who claims they have no record of a bankruptcy in file for me. See page XXXX of credit report dated XX/XX/XXXX # XXXX. See credit report dated XX/XX/XXXX, report # XXXX, clearly shows XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX & XXXX. XXXX Bkpt XXXX Wi XXXX id # XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX phone # XXXX. This clearly incorrect because the address listed is XXXX XXXX XXXX which doesn't cover public records for Bankruptcies which are XXXX. So how can they verify by reporting erroneous information with the wrong court. Experian report # XXXX, dated XX/XX/XXXX also clearly displays the same wrong information, including a spelling error of my name. My name is XXXX not XXXX, That report XXXX shows tenanative completion by XX/XX/XXXX, which has come and gone. This credit bureau continues to verify invalid information and reports invalid information on my credit report in violation of the guidelines provided by FCRA. I wish to have this company held accountable for their actions.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was discharged in XXXX Bankruptcy XXXX purchased loan in XXXX and now reporting negative information on credit report. Also reporting date opened XX/XX/XXXX I filed complaint with CFPB XXXX  records indicate that this loan was modified with XXXX XXXX XXXX, XXXX on XX/XX/XXXX 1 ) A loan modification does not re-establish liability on the loan. While the terms of the loan might change, the loan is not being refinanced. Refinancing the property into an entirely new loan would re-establish liability, but not a loan modification. This is a major distinction. 

I DID NOT RE AFFIRM LOAN 2 ) How is open date of XX/XX/XXXX possible when they claimed debt was re-activated on XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I did 3 transactions with Xoom and a further 2 transactions on XX/XX/2020. Xoom has not processed any of these transactions and its over a week later. I have called Xoom everyday and they have repeatedly told me that it is the fault of their exchange partner in XXXX XXXX. I then phoned their exhange partner in XXXX XXXX, XXXX who confirmed that they have no technical issues and that Xoom has simply not sent them the funds. A number of other XXXX XXXX in the USA are experiencing the exact same problem. Xoom are unwilling to assist and just keep on blaming their partner in XXXX XXXX. I for one, support a family member in XXXX XXXX who has been unable to buy food because of this. It is completely unacceptable and would appreciate assistance.
Product: Debt collection

One of my investment condo was foreclosed by bank in XXXX. That unit was initially bought in XXXX XXXX and the lender was XXXX XXXX XXXX.  Same unit was refinanced in XXXX XXXX and the lender was XXXX XXXX XXXX. On XXXX XXXX that loan was assigned and transfer to XXXX XXXX XXXX XXXX. 
On XXXX XXXX that loan was transferred to XXXX XXXX XXXX XXXX. XXXX XXXX has transferred servicing of this loan to XXXX in XXXX and was foreclosed on XX/XX/XXXX. XXXX XXXX has issued form 1099-A for Acquisition of secured property for {$100000.00} and that was the amount of mortgage. 
XXXX XXXX XXXX was not the lender at the time of foreclosure. 
Collection Agency Dyck Oneal, XXXX XXXX XXXX XXXX, XXXX, TX XXXX, is trying toi collect {$34000.00} on behalf of XXXX XXXX XXXX but they are not the lender at the time of foreclosure. .I have tried to explain them so many times but they are only interested in collection and now it is hurting my credit score.
Product: Payday loan, title loan, personal loan, or advance loan

I wan to report this company because I ask for a loan of {$550.00} and now I have to pay {$3300.00} I already paid the amount they gave and they put me in rate of % 699.9833 Im not paying that money.
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 have caused XXXX  significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

I called Truist bank for a payoff on my loan on XXXX The number provided was XXXX and was good until XX/XX/23 I mailed a check for that amount on XX/XX/23 They received my check on XX/XX/23 On XX/XX/23 they sent me an invoice for an additional XXXX I have called 7 times and each time they claim I still owe them XXXX The invoice they sent me shows principal payment of XXXX and interest payment of XXXX for total of XXXX which is amount I paid The last call they told me that the payoff amount they quoted must have been incorrect - even though it jives with the XX/XX/23 statement
Product: Credit reporting, credit repair services, or other personal consumer reports

i filed report XXXX with ftc reporting fraud i need you guy to delete all the hard inquirys from my report i filed report what else do i have to do thanks
Product: Money transfer, virtual currency, or money service

I am writing this complaint in order to address a major issue I had with the US Bank. I fell victim to a scam after I had deposited a check and withdrew money orders which was initially cleared from the bank. It turned out the check was faulty and now the bank claims that I owe them the money I withdrew. 

My issue initially began on XX/XX/2017, when I took a trip to my local US Bank and was told that my account was frozen. The problem was a check I had recently deposited. 

Two weeks prior to this, I received a call from the number ( XXXX ) XXXX, claiming I had won a sweepstakes. The man on the other end had said that I had won {$850000.00} in cash and a XXXX XXXX valued at {$60000.00}. He had instructed me to wait for a check in the mail in order to claim my prize. A week later, I received a check of {$2700.00}, which I deposited to my US Bank account. 

After the deposit had cleared, I headed off to my local post office and purchased four money orders of {$500.00} each. I began to mail out the money orders to the respective sweepstake addresses needed to claim my prize. Two of them were mailed out to an XXXX XXXX at XXXX XXXX  XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, NC XXXX, and the other two were mailed to a XXXX XXXX at XXXX XXXX XXXX Wy, XXXX AL, XXXX. 

However after this was done I was told by the US Bank that the check had declined and that I owed them the {$2000.00} that I had previously withdrawn from the money orders. I attempted to call the original number again to fix this. However, I received no answer. I am extremely distraught by this issue and how the US Bank allowed me to send out money I did not have to a scam.
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. 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 XXXX XXXX XXXX. 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 to be removed. 


They are not in compliance with the following law. XXXX XXXX XXXX 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! 


XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Credit card

I am reaching out to inform you that I have been a victim of identity theft. Please consider this communication as a formal dispute regarding the following accounts. I have contacted all the companies directly and followed the necessary steps to address this issue. I filed an identity theft report with the FTC and have informed all the companies involved. Now, I am disputing the information that should not even be appearing on my file. Please assist me in resolving this matter promptly. 

STATECU XXXX  and STATECU XXXX 

I am willing to give you one final opportunity to process my request regarding my identity theft. Failure to do so will leave me with no choice but to seek legal recourse in the courtroom, where you will be held responsible for the damage inflicted upon my reputation, credit, and emotional well-being as a result of this issue. It is highly likely that the significance of the material facts will become abundantly clear, and you will be required to compensate me for your negligence.
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act these accounts have violated my rights. 

Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$170000.00} 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

It has been an unacceptably long time since I first reported these fraudulent entries, and despite my previous attempts to rectify this situation, they remain undeleted, tarnishing my creditworthiness and causing me significant distress. 
XXXX XXXX XXXX XXXX XXXXXXXX I can not emphasize enough the urgency of this matter and the detrimental impact it has on my financial standing. These fraudulent accounts are not mine, and I have never authorized any of the transactions associated with them. 
However, their lack of response or assistance has further compounded this issue. 
The continued presence of these fraudulent accounts on my credit report has created severe obstacles in my life. I have been denied access to credit, subjected to punitive interest rates, and faced numerous rejections for housing and employment opportunities, all due to the erroneous information on my credit report. 
I want to make it abundantly clear that I will not tolerate any further delay or negligence in addressing this matter. Failure to take immediate action to rectify this situation will leave me with no alternative but to pursue legal remedies under the Fair Credit Reporting Act ( FCRA ) to protect my rights and seek damages for the harm inflicted on my financial well-being.