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

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report, as I am a victim of a data breach. Under 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ), I have the right to request the removal of unauthorized or fraudulent information from my credit file. 
Accounts to be blocked and deleted : XXXX. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

There are collection accounts listed on my report that I believe contain incorrect information. As per my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I am requesting a review of these entries, and if they can not be verified as accurate, they should be removed.
Product: Student loan

When the XXXX  related forbearance was ending, my student loan servicer advised that I re-certify my income right away. I did so believing this was necessary. I then found out that I wasn't required to recertify until XXXX of XXXX. As a result of the re-certification that I completed in the fall of XXXX, my student loan payments increased significantly. I received a letter stating I did not have to re-certify until XXXX of XXXX at which point I contacted my student loan servicer to see if they would roll back the re-certification as it had been completed under false pretenses. I was advised by my student loan servicer that they are unable to roll back the recertification. I then messaged them back making a second request to roll back the re-certification and was again denied. I was misinformed that I was required to re-certify my income. This appears to be purposefully misleading and deceitful information as recertification is not yet required.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, AZ XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
10. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

I was on a special repayment program and I completed the terms. I then became unemployed due to no fault of my own and was receiving minimal unemployment payments. I tried to make ends meet, but my mortgage became behind and I had to stop paying on the credit card because my family needed housing and food more. I tried to talk to Discover and they were unwilling to help me. I could not get in touch with them often as I eventually went back to work and my work hours were the only times they were open. I tried writing to them and no response. They have since sent my account to a collection agency who will not return my calls or respond to my messages. I attempted to contact Discover because they have filed legal action against me without providing me with any details. Discover refuses to discuss any details about my account even though they have filed a court case against me. I have called them trying to work out a repayment plan with them for settlement but they refuse to speak to me. I have sent them payments when I had funds available to do so and they failed to report those payments made.
Product: Debt collection

I filed a cfpb complaint for company IQ DATA INT regarding debt validation and proper paperwork being sent out company responded to complaint with this message. Company reported debt amount as seen below ( XXXX ) however is reporting a different amount XXXX {$7000.00} XXXX on my credit report and in violation of FCRA. 


Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Date : XX/XX/XXXX Consumer Financial Protection BureauXX/XX/XXXX XXXX Iowa XXXX, IA XXXX XXXX : Complaint of XXXX XXXX Case Number : XXXX Internal Reference : XXXX We have received your dispute letter of XX/XX/XXXX, in which you indicate that you did not receive validation of your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$6200.00} owed to our client, XXXX XXXX Apartments. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX, to the addresses supplied by our client which was not mail-returned and deemed received. Our records reflect that our office processed a certified validation request from you on XX/XX/XXXX. In response our office mailed a copy of your final statement to you on XX/XX/XXXX to the address that you submitted with the dispute which was not mail-returned and deemed received. The purpose of validation is to ensure the correct person is being requested to pay the correct amount for the correct creditor. The documents our office sent you are in compliance with that directive. It itemizes the individual charges associated with the balance assigned. We believe this account to be valid and the current balance of {$6200.00} remains due. We encourage you to contact our office to discuss payment options or to address any questions about the account. Thank you for the opportunity to respond to this complaint. IQ Data International , Inc. ( IQ Data ) is committed to treating every consumer with the dignity and respect to which they are entitled and is committed to its compliance efforts and ethical debt collection practices. All collection employees are trained by a certified Trainer Specialist and, as a requisite of employment at IQ Data, the employee is required to become certified through theXX/XX/XXXX as a Professional Collection Specialist. Additionally, IQ Data has received the elite designation of a Professional Practices Management System accredited agency through XXXX XXXX, the primary credit and collection industry organization. Sincerely yours, XXXX XXXX XXXX XXXX XXXX I.Q. Data International, Inc. This communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence XXXX. v XXXX ( mo ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ). 

These companies checked my credit without my legal consent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND I WAS SHOCKED TO SEE THAT I WAS A VICTIM OF IDENITY THEFT. I FOUND FRAUDLUENT CLOSED CREDIT CARD ACCOUNT ON MY REPORTAND THAT WERE NOT OPEN BY ME. THIS BEEN HURTING MY CREDIT REPORT AND MY FEELINGS SINCE I AM PROCESS OF BUYING A HOUSE FOR MY FAMILY. PLEASE REMOVE THOSE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT SOON AS POSIBLE. HERE IS THE INFORMATION FOR THAT CLOSED CREDIT CARD ACCOUNT. XXXX XXXX OPEN ACCOUNT NUMBER XXXX, OPEN DATE XX/XX/year>, BALANCE {$16000.00}. THANK YOU IN ADVINCE.
Product: Debt collection

from the VAs to 2016 Discover transferred from my accounts with them a total of ( According to their records ) {$14000.00} to one or more of their fake accounts that the federal courts ordered them to stop doing!! That is the amount that keeps going up that they are NOW reporting to the IRS on form XXXX! They also took over {$20000.00} from my other credit cards! Also they took me to local court and I proved that they illegally took the money and put it into one of their fake accounts! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXt Even a small amount of experience dealing with collection agencies teaches most people that defending a lawsuit from a collection agency isn't exactly rocket science and usually goes something like this : 1. You recieve a summons from the collector.

2. You respond to the summons and show up in court. You demand proof that you owe the debt.

3. The collection agency requests time to come up with proof.

4. The collection agency can not find proof. The judge dismisses the lawsuit. Game over. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.
Product: Credit reporting or other personal consumer reports

I sent a letter to TransUnion disputing fraudulent accounts on my credit report due to identity theft. I have received their reply, enclosed, and I have also enclosed a copy of my response. Despite my efforts and evidence submitted previously, the negative accounts have not been removed. I am requesting, as per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), the immediate deletion of this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion reporting a account i dont own
Product: Debt collection

I received a letter in the mail from One Main Financial with a request to refinance my account and funds were available after refinancing. However, they added more money to my account and fraudelent placed on my account 2 different amounts of refunds totaling {$3600.00} and {$110.00}. After One Main fraudelent placed those amounts on my account. My account increased to {$18000.00}. i had paid off {$2800.00}, a total of one years worth of payments.. The company sent an ACH to my account a total of {$2900.00}, after I left there ofn XX/XX/2018. I spoke with the manager and XXXX XXXX and asked him to fix this account because it is incorrect and he says it was not. I did not receive these monies in my account or under no circumstances. I can not believe that he expect me to pay for monies that I have not received. This is outright fraud. I do not know if he or his employees received thi money and is trying to make me pay for it. I have all the documentation to confirm what I received and was distributed to me. He also placed the amount of finance charges back on my account to bring it to a total of {$18000.00}. Please advise. I appreciate your time and concern with this matter. It is fraudelent and unwarranted, incorrect and creating a hardship.
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. 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 very unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for the above mentioned violations.
Product: Mortgage

Please accept this letter as my formal request to investigate why my Lender, Mr. Cooper refuses to communicate any information on my mortgage account Mr. Cooper received, accepted and applied HAF funds from the XXXX  Department of Community Affairs of {$50000.00} towards my delinquent balance in XXXX. Mr. Cooper agreed to provide a loan modification of the remaining balance. The response from my first CFPB complaint is the letter that states Mr. Cooper will agree to modify the remaining balance. To date, over 6 months later, Mr. Cooper has : Not provided a proposed loan modification for the remaining balance due on my delinquent balance.

Refuses to provide me any verbal or written communication on the status of my loan.

Refuses to answer any of my questions.

Refered me to their foreclosure attorney for any questions about my loan.

Their assigned foreclosure attorney refuses to answer any questions on how to satisfy the remaining balance due on my loan as this is Mr. Coopers responsibility, who refuses to speak with me about the matter.

My account is not in an active bankruptcy, nor am I aware why my file has been referred to a foreclosure attorney when the Lender has agreed to offer me a proposed modification option when accepting the HAF mortgage assistance funds.

To make matters worse, Mr. Cooper has breached my personal information to another borrower in another State. I received credible information for this borrower that they received my loan information along with notes from my Lenders file.

I am requesting an investigation as to why Mr. Cooper will not answer or provide me with any information and loss mitigation options to bring my account current. Mr. Cooper continues to operate in negligence and strategically setting me up to not afford my mortgage payments by refusing to communicate with me about my file. Mr. Cooper has a fiduciary responsibility to send me notices, a mortgage statement, and offer me a loss mitigation option for my FHA loan. I need to know why are they ignoring me? I am concerned my balance is now too high for me to receive a loss mitigation option when the lender has simply ignored me.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX Bankruptcy XXXX 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 15 U.S.C 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 convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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: Checking or savings account

I have make a mobil deposit in my business account ( At regions bank ) for XXXX dolar. it supposed to be available next business day and now got and email telling me that deposit will be available 10 days later. I called to 1800 number to look for remove hold and the informed me that I have to go to the branch. went there and was attended by XXXX XXXX. That person have the worst customer service I have never had in my life. She refused go help me, she scream me and also invited to me to close the account. Also told me that he will call the police if I don't move from the chair that I was seat. my phone number is XXXX. Regions bank and XXXX XXXX must be responded to clients like me that has been hurt for their bad service
Product: Credit card

I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal SCRA ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.
Product: Credit card or prepaid card

XX/XX/XXXX {$2.00} ATM fee from a ATM that is owned by XXXX and does not charge ATM surcharge. 

XX/XX/XXXX Transaction declined and no warning that the maintenance was scheduled, or servers down was sent to any customers. Did not find out until the called to get information and when trying to talk to representative phone goes busy. Now we have several thousand people with American Express credit and prepaid accounts not able to access funds at all since XXXX CST. 

Still no time frame for a resolution to issue and when funds can be accessed.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021
Product: Mortgage

Earlier this year, we were shopping around for a new home owners insurance broker and our policy was accidentally cancelled and reinstated by XXXX. When this happened, Freedom Mortgage was refunded XXXX dollars. We then received notice from XXXX  that if we did not pay them back the XXXX dollars, we would have a lapse in coverage. After numerous phone calls taking an entire day, Freedom Mortgage assured us that everything was taken care of. A month later, we received a notice from travelers saying we no longer have homeowners insurance due to lack of payment by freedom mortgage. They did olnot pay the XXXX and stopped paying XXXX altogether, despite collecting money from our mortgage payments for escrow. After multiple phone calls, spanning XXXX entire days, we were again assured that it was taken care of. Now I have received a letter from freedom mortgage, estimating our next year 's escrow, which does not include homeowners insurance, indicating that they are still not paying my homeowners insurance, putting me at risk of not having coverage on my house. I had no choice in my mortgage being sold to this horrible company who is collecting money from me and not paying my homeowners insurance, putting me at risk of losing my house to a fire when we live in an area that is prone to wild fires.
Product: Debt collection

This creditor has placed derogatory information on my credit files at least three times by changing the dates and amounts owed. I have never received notice from them about a debt. The collection just appears on my credit. Each time it appears on my credit I dispute it and it is removed. A few years ago it was removed when I disputed it with the CB 's. Last year I received a phone call from an agent from Midwest Recovery trying to verify the debt. I let her know that the account does not belong to me. She stated that she see 's where I disputed that before. I told her I did because it is not my account and I hung up. The very next day I got an alert from XXXX stating I have a new collection item from them for over {$600.00}. Before I could disputie with the CB 's it was removed within a week. Most recently XX/XX/19 it was placed on my credit again for over {$900.00}. Same company but different amount. I have filed a dispute with the CB 's again. I need information on how to prevent this company from putting this derogatory item on my credit especially without notification of a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd complaint dealing with these credit bureaus and them not fixing the incorrect info and accounts on my report that are from identity theft and fraudulent. My whole identity has been stolen to the point that someone has been living as if they were me even filing bankruptcy in my name to start over and keep getting more fraudulent accounts in my name. I have gotten some of the stuff removed but there is still two accounts and the bankruptcy that remain. I filed a police report and identity theft report as well as sent the bureaus everything they have asked of me to verify it is me requesting this and still NOTHING. They even erased a credit card account that WAS actually mine but not the fraudulent accounts.