23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I received a XXXX with the filer name Block Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. This form listed myself as the payee which included my name address and my SSN. The form stated that I received funds totaling XXXX in the form of XXXX payment transactions, for the year 2024. The form has a merchant category, account number, and filers TIN. I contacted the phone number listed on the internet and was sent an email with instruction ref fraud. I was told that one of the affiliations for this company was Cash App. At no time have I ever downloaded or used this App on any device. I did as instructed per the email. One key factor was to contact company and close the account. When I called back to close the account, I was told I could not do that. Therefore, someone still has my information on their device and using my SSN to receive funds. I will be responsible for all monies issued fraudulently and will be responsible for taxes. I would also like to point out that I am not responsible for the earnings and would like this company to file a corrected XXXX along with a letter stating my information was used in a scam or fraud setting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed two bankruptcy 's on my credit report on XX/XX/2020. Experian did not explain how they received this incorrect information due to the fact that courthouses do not provide this information. If a third party vendor was used, this information is incorrect and not validated. I have written confirmation that the Court did did provide the information.
Product: Credit reporting or other personal consumer reports

For several months of 2023, I have tried to solve a problem with the XXXX XXXX bank account, in which I sent you a letter explaining the situation since this account was closed, paid in full but in my report it appears to me that it had XXXX late payments. 

Unfortunately I was a victim of bank theft and this account the bank made the refund of the security payments but once the problem was solved the account was paid and this problem was never had. 

I sent a letter waiting for a response from the company and to date I have not received any notification, I made several calls so that please with the evidence sent this will be removed from my report, because it is an account that is not due and that only affects my credit. 

The person in charge notified me that since the account is closed they can not make the modification that this modification must be made through the credit agencies since they can not delete this so I ask that this information be corrected or removed from my credit report.
Product: Debt collection

I sent a debt validation letter on XX/XX/2021 and Transworld System Inc and they received it on XX/XX/2021 via certified mail to XXXX XXXX XXXX XXXX, DE XXXX. This company has failed to validate this debt by not responding at all. Please delete this information from my credit file and cease all collections activities immediately.
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX XXXX YOU ARE FURNISHING INACCURATE INFORMATION TO THE CONSUMER REPORTING AGENCIES. The Reporting of this Account as a Debt is Inaccurate as The Legal Definition per the IRS OF a Charge off is Income. Income does not get Reported on a consumer report. 

XXXX XXXX XXXX 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. The Reporting of this Account as a Debt is Inaccurate. 
XXXX XXXX XXXX THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. INCOME DOES NOT GET REPORTED ON A CONSUMER REPORT. XXXX CONTINUES TO VIOLATE MY RIGHTS BY REPORTING GROSS INCOME AND ORDINARY INCOME ON THE CONSUMER REPORTING AGENCIES BREAKING THE LAW. THIS ACCOUNT IS A " CHARGED OFF '' THE LEGAL DEFINITION PER THE IRS DEFINES A CHARGE OFF AS INCOME. THE REPORTING OF THIS ACCOUNT AS A DEBT IS INACCURATE. THE IRS STATES CLEARLY THAT ANY GROSS INCOME OR ORDINARY INCOME CAN NOT BE REPORTED INTO A REPORT BY ANY FURNISHER OR CREDIT REPORTING AGENCY.A CHARGE OFF IS GROSS INCOME PER THE IRS. DELETE THESE ACCOUNTS MENTIONED IN THE COMPLAINT ASAP AND I'M REQUESTING {$1000.00} PER EACH VIOLATIONXXXX XXXX XXXXXXXX. XXXX XXXX Continues to Violate multiple laws from Congress 15 U.S. Code 1681a ( 2 ) ( a ) ( i ). CHARGED OFF is considered a certificate of indebtedness per the IRS and income can not be reported making The Reporting of this Account as a Debt is Inaccurate. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORTS BY LAW AND By Definition PER the IRS Clearly says a Cancelled debt or Charge off is Income. ADDITIONALLY THE LAW CLEARLY STATES Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report DOES NOT include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX, ) making the report. ADDITIONALLY I never received a 1099-C FROM for the cancelled debt. XXXX XXXX is writing off debt with the IRS years Ago WITHOUT sending out 1099-C as required by the IRS for debts greater than {$600.00}. This is ILLEGAL. You are hereby put on notice that you are reporting incorrect inaccurate information. DELETE THIS ACCOUNT.
Product: Debt collection

SPS purchased our 2nd mortgage loan last XX/XX/XXXX. At first they led me to believe I was late so I filed a complaint w/ cfpb. Things got resolved but I felt I was getting played based on SPS 's reputation. ( maybe we have someone not paying attention? ) Last XX/XX/XXXX they forced placed a flood policy on me. I ignored it knowing their reputation and was not paying for dual coverage.I have not paid the premium. I finally got tired of them asking for the premium and sent them my XXXX page. Not good enough. Apparently since this was new construction the legal address does not match the physical address. No big deal they say " It is required by FEMA. After all these years no creditor has challenged this. So .... The insurance company says the agent has to change it and the agent told me to call the insurance company. Again no big deal as we been carrying flood insurance since we purchased the house. Again, I feel like is SPS looks for borrowers to extort money from ; somebody not paying attention. They have gotten better ; the call center employees sound more convincing and professional : but when asked ( several people ) to review my policy ( XX/XX/XXXX page ) ; almost all ( insurance experts ) had no access to it ; ( a couple did ) when they all should. Now I'm asking for a deferment and I'm feeling I will get the run around. I've been down this path before.! A group of investors buying a distressed book of business handled by young people in a call center in XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

IN REVIEW OF MY CREDIT REPORT I FOUND THE FOLLOWING HARD INQUIRIES ON MY CREDIT REPORTS, I DID NOT AUTHORIZE THESE COMPANIES TO RUN MY CREDIT OR SHARE MY INFORMATION THIS IS FRAUDULENT AND FALSE INFORMATION ON MY RECORD WHICH IS HARMING MY CREDIT DATA SHARED WITH BUREUS. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( XXXX yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Student loan

I attempted to apply for a forbearance due to XXXX XXXX XXXX 

I received an automated response stating it will take 90 business days to process the request .... 

I have only received a generic response reminding me of the guidelines even though it says I'll receive a personalized message. 

All attempts to call were not successful as the wait period is often multiple hours. 

This " company '' has no business servicing loans if they're ill equipped with the resources to address consumer concerns. A 90 business day wait period is unacceptable. Things come up that put good people in a financially difficult position. They're inability to address people in a timely manner and/or ridiculous wait times to speak to a person is abhorent
Product: Credit reporting or other personal consumer reports

If you continue to disregard my demands for compliant reporting practices, I will consider this letter as an official notice prior to my petition for a writ of review in civil court. As the injured consumer of your inadequate reporting practices, I contest your assumed reporting privileges for any and all of your challenged claims in this consumer complaint. I demand that you demonstrate your compliance with state and federal reporting mandates, including the XXXX, FCRA, ECOA, and any applicable laws in my state. I am concerned that your claims may not adhere to industry standards for legal and ethical reporting, particularly in relation to the Metro 2 Data-filled Field Formatted Reporting Standards, per XXXX. 

Upon reviewing my personal consumer credit report, I have noticed questionable and/or inadequately reported data in my file at your company 's office. I am confused as to how and why this information has been populated or repopulated into my credit report profile, and whether or not I received the required 5-day notice of its return to reporting. Per the FCRA, any item previously removed can not be reinserted into a consumer 's credit report without written notice to the injured consumer within five business days. I have not received such notice, nor have I received any evidence of the accuracy and completeness of your reported claims. Your failure to remove these claims is a violation of my consumer rights and is unjust. 

Listed below are the Accounts that are being challenged XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged FXXXX XXXX XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX 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 XXXXXXXX XXXX XXXXXXXX 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 XXXX 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: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Experian, XXXX score and any and all reporting agency 's none or un-known to me at the time of this complaint,15 USC 1682 In general, a financial institution, may not furnish personal information to a non-affiliate third party unless such financial institution clearly, disclosed to consumer in writing, or in Eletronic, or other form permitted by regulation prescribed form or other form permitted by regulations described by under 15 USC 6801/ 6802 and 6803 of this Title, This was done without my consent. the furnish of personal and incorrect information, without my written consent. The Consumer controls what gets reported. and any unauthorized reports are illegal. Credit Bureau do not exist.

15 USC 6801 the term consumer report does not include, the violation caused the credit. selling, and giving of my personal information. this private information was reported illegally and not protected by law.

This companies are also reporting late payments of department policy, and this is a violation of Title 15 USC 6802 and 6803.

furnishing of inaccurate by consumer reporting agency, has caused irreparable harm to credit, and wellbeing.
Product: Debt collection

I have requested a validation of debt from Midland Funding with no response. I also requested a Affidavit of Fraud from this collection company with no response. This company as placed a Restraint on my account so I ca n't access to my money since XXXX 2015. I recently received a notice stating that they have removed all the money in my account. I never provided to this company my account information I do n't know how they get my information. I truly believe that this is illegal and unconstitutional. Please help me to get this issue resolve.
Product: Prepaid card

THIS IS RELATED TO XXXXXXXX XXXX  PAYFARE AND XXXX DASHER DIRECT CARD. 

MY FRAUD CLAIM WAS MISHANDLED AND MY FUNDS NOT RETURNED BACK TO MY ACCOUNT. RUDE INCOMPETENT OFFSHORE AGENTS
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits which also resulted in my account being closed. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX # XXXX, 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
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE RESPONSE!

15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.

As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. 


AS OF XX/XX/XXXX Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have notice fraud account on my credit profile And consumer reports THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

DELETE THIS FRAUD ACCOUNT IT HAS BEEN OVER 30 DAYS!

IAM DEMANDING THIS AS AN FEDERALLY PROTECTED COMSUMER!!!
Product: Credit reporting or other personal consumer reports

AT MY EXPERIAN I HAVE ONE ACCOUNT THAT IS XXXX  AND IT SHOW CLOSED BUT ITS NOT MINE I WANT REMOVE THAT ACCOUNT FROM MY CREDIT REPORT BECOUSE IT FRAUDULENT, THAT WAS A OPEN CLOSED ACCOUNT AND NEWER LATE ACCOUNT ... ..TAHT IS CHARGE CARD!! 

XXXX XXXX XXXX XX/XX/year>
Product: Debt collection

It is XXXX and I have had 7 calls from XXXX at General Revenue Corporation in XXXX, Ohio already today. 6 calls to my work phone and 1 to my cell phone. 

Several calls are just minutes apart. Only one time did he leave a message on my work voicemail.
Product: Debt collection

This student loan company by the name of Great Lakes is charging me more than {$67000.00} in federal student loans. This corporation has increased my debit with these hidden fees like Capitalized Interest and so forth. The timeframe to pay this loan is unreasonable and not feasable. Great Lakes also reported this debt on all 3 credit reporting agencies without my consent and approval.
Product: Credit card or prepaid card

Noticed a charge of XXXX. Called to dispute the charge was told I was bring charge for payment protection plan with discover card. I never signed up for the service but for some reason I was enrolled. Was transferred to have the service cancelled and was told that I had been enrolled since 2010. I asked for a refund for all the fees of the service but they told me I could only be refunded up to 6 months back. I talked to multiple representatives only to be told the same thing. Only going back 6 months was possible. That is n't right considering I was being charged for 8 years.
Product: Mortgage

In XX/XX/XXXX, I paid an additional {$2200.00} as the company said I was short on escrow by that amount. This is due to the fact that in XX/XX/XXXX, they paid me out of the escrow $ XXXX in error because they did not calculate properly. 
On XX/XX/XXXX they paid my homeowners my homeowners never received the payment On XX/XX/XXXX, they paid my homeowners again. 
XXXX in the escrow dept said that the homeowners refunded the double payment, but my escrow account was not credited the {$2300.00}. Only the withdraws are showing. 
On my mortgage statement, it shows {$4700.00} paid to Homeowners On my statement, it shows my YTD Escrow payments as {$5900.00} My escrow balance is showing {$2900.00}. 
If I made a {$10000.00} payment to principal and my XX/XX/XXXX payments are {$760.00}, then how is the PAID YTD on my statement only {$16000.00} which does not even include XXXX - XXXX payments. 
with all of their errors i feel like I am playing the shell game with my money and trying to find it.
Product: Checking or savings account

Balance went down for a month, they charged me 3 times. Called multiple times never got back to me. Also said they will refund but never did. They stated some bogus FDIC regulation DD, which states nothing about charging 3 times for one month drop of minimum balance.