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

As Per the FCRA and 15 U.S.C 1681 A-B I am entitled to an Honest and Accurate credit report. For years I have not been able to accomplish this based on Incompetent disputing processes of the credit bureau ( s ). Even when False information is being entered with credentials that don't match my name or social, the inaccuracies and fraudulent accounts have repeatedly been attached to my credit.

Reason : I continue to get generic responses from this company no matter what I send in and no matter how much documentation I provide to support my dispute. So I am going to submit my complaint to the Consumer Financial Protection Bureau. 
I have been attempting to dispute the attached items since XX/XX/XXXX, The Creditors have all failed to respond to direct responses. I have wrote to the bureau and included all original letters to creditors along with a request to remove items based on Failure to respond, which most have failed to respond or remedy for over a year. Many of the items resulted from Caretaker Fraud while I was incapacitated with XXXXXXXX XXXX XXXX XXXX  Issues From a XXXX Accident which has deemed me XXXX since XXXX and XXXX  From XXXX to XXXX. With a XXXX  there are boxes of XXXX and XXXX XXXX which are able to prove this. 

I am submitting this complaint to the CFPB as my Final attempt to have the Items corrected. I am also going to attach any and all documents to support my disputes, all documentation to support my identity and all documents to show my next steps in the event that these items are not resolved. I will have no choice other than to Sue the Creditors reporting the erroneous information on my credit.

As per the FCRA, I am entitled to a True and correct credit report, something I havent had for years since the Credit Bureaus have Repeatedly Failed to Correct the items or simply have not responded at all. I am becoming more and more disadvantaged as a disabled person due to this. I have been deprived the opportunity to fully utilize or benefit from my true credit. Which is Unfair to me. I can tell by the duplicated notifications and notifications of things I did not dispute and NO NOTIFICATION or response to the things I ACTUALLY dispute. I can tell that the Disputes I am sending are not being processed by a Human or Actual Person. I can tell that there's no correspondence to the Creditors, Just proof year after year that the Credit Bureaus are self-deciding or utilizing software and non-intelligent means Ive submitted Factual Documents Numerous Times as well as disputed Items that dont belong to me. The Bureaus have repeatedly failed to correct the errors and made a mess of my credit report giving me further issues and dispute comments on accounts I do not have issues with or errors on. 

Please see the attached disputes and supporting docs which were sent for correction ( XXXX ) The Assistance of the CFPB is Greatly Appreciated.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately.I had 15 late payments on an account that was in fact paid on time.The consumer reporting agencies need to report all information with complete accuracy.This acct has not been late on payments.I 've attached a copy of my report to this complaint on the following dates ( XXXX ) I'm now requesting you investigate this account and update these payments to paid on time immediately.Thank you for your understanding and prompt action.
Product: Debt collection

In XX/XX/XXXX, we got a text saying a phone was being delivered in XXXX XXXX by XXXX XXXX XXXX. We have no XXXX XXXX XXXX account and had not ordered a phone. We immediately called XXXX XXXX XXXX who refused to cancel the delivery. XXXX XXXX XXXX began to call us and ask for money. We explained it was identity theft. We provided all the information that XXXX XXXX XXXX requested. XXXX XXXX XXXX wanted {$1200.00}. XXXX XXXX XXXX said we must submit a police report. We did so on XX/XX/XXXX. The sheriff 's department refused to sign the XXXX XXXX XXXX form as a matter of policy. Howeer, they submitted the case on their form. 

XXXX XXXX # XXXX Deputy Sheriff XXXX CA XXXX Case XXXX I submitted all the documents online and also sent them by registered mail to XXXX XXXX XXXX. 

In XXXX, I got notice that Sunrise Credit Service filed a report saying we had not paid this XXXX XXXX XXXX bill. Sunrise never contacted us, no mail, no email. My credit score dropped XXXX points. 

I then failed reports with XXXX and XXXX who accepted Sunrise 's statement. I am now coming to you.
Product: Debt collection

I recently pulled my credit report and noticed an inquiry on my report without my permissible use. According to the FCRA and the FDCPA, it should be removed. However, I have sent in continuous dispute letters obtaining all information needed to remove this inquiry. This inquiry is affecting my chances of establishing a great history with the current company. The name of the inquiry is XXXX XXXX. The inquiry date is XX/XX/2018. The bureau reporting is XXXX  and TransUnion. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report. I have an auto loan reporting from XXXX a loan I never opened nor applied for. The applicant apparently lives at an address I also have never lived at. I sent this information to all the credit reporting agencies that are reporting this incorrect information so as to have it removed. I also notified the lender in question that the loan being reported on my credit report is not mine as I have never applied for a loan with XXXX nor purchased a vehicle from the dealer of record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX has been a victim of identity theft. Please see attached. Ive been sending information in for the past 6 months or more. 
15 USC 1681-2A Please see attached ftc report & identification
Product: Credit reporting or other personal consumer reports

I, the consumer has attempted severally to have fraudulent accounts removed and blocked but thy have not complied despite federal law. I have provided a police report, XXXX theft report and id multiple times. My actual physical identification was stolen and has been used by perpetrators across the XXXX. 
These inquiries are unauthorized : XXXX XXXX XXXX XXXX XXXX  and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

Loan was taken XXXX for original amount of {$5400.00}. Payments began the year of graduation in XXXX. Capitalized interest was added to the loan ( approx. {$2700.00} ). Monthly payments of approx. {$90.00} have been made for over 8 years. The balance as of today is {$5600.00}. Information on website says loan will be paid off in XXXX. This seems outrageous. I feel like this is a bad loan and needs investigating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few items to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these items ( 1 ). ( A ). 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX card is only on my experian Report. It was disputed a long while back. Does not appear to be on any other report but experian. I have called and disputed this, I have mailed letters to experian with no resolve. Says fate opened XX/XX/XXXXand was updated after my dispute with experian as of XX/XX/XXXX.this is not my account and experian has never resolved this nor looked into gnus to show it belongs to me and experian will not dispute it nor have they tried. My credit report number is XXXX
Product: Credit reporting or other personal consumer reports

Hello these companies has been reporting fraudulent accounts. I have attached proof/evidence that they are in violation of my consumer right according to these companies has not sent me any proof or violation why I am being charge with alleged debt or why it is placed for collections. I have tried numerous times to have this situation resolved with no resolutions. INACCURATE ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX ; XXXX XXXX XXXX XXXX XXXX inquiry Date XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM IN DIRECT VIOLATION OF MY CONSUMER RIGHTS ACCORDING TO 15 US 1681 INACCURATE ITEMS SHOULD BE REMOVED FROM MY CREDIT FILE RIGHT AWAY AND TRANSUNION, XXXX AND XXXX HAS VIOLATED THOSE RIGHT. I AM RREQUESTING ALL OF THESE ITEMS IN MY AFFIDAVIT BE REMOVED WITHIN 15 DAYS.
Product: Debt collection

THIS COMPLAINT IS DIRECTED TO QUALITY LOAN SERVICES CORPORATION IT APPEARS ONCE AGAIN THAT A SECOND DEFAULT NOTICE WITH INTENT TO FORCLOSE WAS FILED AT THE XXXX XXXX OFFICE IN VIOLATION OF CALIFORNIA PC 115 WICH STATES ITS FELONIOUS TO KNOWINGLY FILE FRAUDULENT OR FORGED DOCUMENTS AT ANY GOVERNMENT OFFICE. XXXX XXXX FALSELY CLAIMS A DEFAULT AMOUNT OF {$27000.00} IS OWED THEM, WHEN IN FACT I DONT OWE THEM A DIME!!! THEY ARE ILLEGALLY ATTEMPTING TO COLLECT ON AN UNAUTHORIZED ACCOUNT, XXXX XXXX TO DATE HAS NOT COME CLEAN ON THEIR INVESTIGATION IN VIOLATION OF 15 U S CODE 1692d WICH STATES HARASSMENT OR ABUSE SECTION 1 THE USE OF VIOLENCE OR OTHER CRIMINAL MEANS TO HARM THE PHYSICAL PERSON, REPUTATION, OR PROPERTY OF ANY PERSON IS A VIOLATION OF SUCH CODE IT ALSO APPLIES TO SECTION 4 THE ADVERTISEMENT FOR SALE OF ANY DEBT TO  COERCE PAYMENT OF THE DEBT IS ALSO A VIOLATION OF SUCH CODE, THEREFORE XXXX XXXX IS IN NON COMPLIANCE, THIS ALSO APPLIES TO QUALITY LOAN SERVICES CORPORATION. I RECIEVED A EMAIL FROM QUALITY LOAN SERVICES CORP ON XX/XX/2018 WICH STATED THEIR FILE ON THE DEFAULT ACTION HAD BEEN CLOSED BECAUSE THE DEFAULT WAS CURED SO WHAT EXACTLY IS THE STATUS TO DATE? I HAVE RECIEVED NOTICE THAT MY HOME HAS A SALE DATE OF XXXX XXXX! IS THIS A SICK JOKE? IS MY HOME UP FOR SALE? BECAUSE IF IT IS I DEMAND YOUR AGENCY TO CEASE AND DESIST AND TO CANCEL THE ILLEGAL SALE OF MY HOME .XXXX XXXX   HAS NOT VALIDATED THE DEBT IN VIOLATION OF SECTION 809 VALIDATION OF DEBTS.XXXX XXXX  CAN NOT VALIDATE THE DEBT AS IT HAS ALREADY BEEN ESTABLISHED BY THE COMMERCIAL CRIMES DIVISION, THAT A FORGERY OCCURED, A FRAUDULENT GRANT DEED WAS CREATED TO FACILITATE THE ISSUING OF THE ILLEGAL LOAN OBTAINED BY USE OF A FRAUDULENT TRUST DEED. WICH MEANS XXXX XXXX IS ENGAGING IN A TRUST DEED SCAM ILLEGALLY USING MY HOME AS COLLATERAL WITH INTENT TO STEAL MY HOME OUTRIGHT A CRIMINAL ACT OF GRAND LARCENY BECAUSE OF THE VALUE OF MY HOME. ONE CRIMINAL ACT DOES NOT JUSTIFY ANOTHER SO I SUGGEST QUALITY LOAN SERVICES CORP ASK XXXX XXXX  INVESTIGATORS WHY THEY REFUSE TO CONTACT LAW ENFORCEMENT OFFICIALS ON THIS MATTER AS THE REGULATIONS AND LAWS APPLY TO THEIR AGENCY AS WELL. AND THEY CAN ALSO ASK XXXX INVESTIGATORS WHY THEY REFUSE TO PURSUE THE 2 CRIMINALS WHO TOOK OUT THE ILLEGAL LOAN IN THE FIRST PLACE!
Product: Debt collection

TeleCheck, one of the largest national databases of NSF has no way to dispute an inaccurate report! You must go through the Collection Agency to resolve. I never wrote a check to XXXX XXXX, no idea where one is located. No notice from TeleCheck other than a reference from a collection agency and a statement it will take a minimum of 30 days to investigate. How can Telecheck retain consumer information without a process to correct erroneous reporting ... I can not believe this is tolerated. 
Ref XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, The following is based on a letter written from the Consumer Financial Protection Bureau and applies to any of my accounts that may have gone delinquent in the wake of the Pandemic Covid-19 : The CARES Act places special requirements on companies that report your payment information to credit reporting agencies. These requirements apply if you are affected by the coronavirus pandemic and if your lender gives you an accommodation to defer a payment, make partial payments, forbear a delinquency, modify a loan, or other relief.

If your lender does make an agreement or accommodation with you : How your lenders report your account to credit reporting agencies under the CARES Act depends on whether you are current or already delinquent when this agreement is made. These reporting requirements apply only if you are making any payments required by the agreement. 
If your account is current and you make an agreement to make a partial payment, skip a payment, or other accommodation, then the creditor is to report to credit reporting companies that you are current on your loan or account. 
If your account is already delinquent and you make an agreement, then the creditor can not report you as more delinquent ( such as reporting you as 60 days delinquent when you started out 30 days delinquent ) during the period of the agreement. 
If your account is already delinquent and you make an agreement, and you bring your account current, the creditor must report that you are current on your loan or account. 
This CARES Act requirement applies only to agreements made between XX/XX/2020 and the later of either : 120 days after XX/XX/2020 or 120 days after the national emergency concerning COVID19 ends. 
If your lender does NOT give you an accommodation : In addition, the special comment is temporary and may only show on your account for a period of time, such as during the time of a declared national emergency. When the lender stops furnishing the special comment information, it disappears permanently and entirely from your credit report. There will be no record that there was ever a special comment placed on your credit report.

The CARES Act also applies to certain federal student loans and includes requirements relating to suspending payments and credit reporting. During the period that payments on federal student loans are suspended by the Department of Education, any payment that has been suspended is to be reported as if it were a regularly scheduled payment made by the borrower. ( any increase in the balance of the loan is invalid. 
All three companies have continued to ignore my complaints regarding this issue and have ignored the regulatory filings regarding the banks ignorance of the cares act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent in a dispute and equifax has failed to process my dispute claiming it was not clear on what I was asking when I was indeed very direct. I will resubmit another dispute and attach it to this complaint but they have been a huge liability and detriment to my life and causing severe XXXX upon me due to their harsh unfair and inaccurate consumer reporting which is causing me to lose out on my home as my current lease is ending and I have nowhere to go.
Product: Money transfer, virtual currency, or money service

Approximately XXXX of 2023 my identity was stolen and many email accounts and financial accounts became compromised. 2 of such accounts were with Cash App. I immediately reported the issue to cash app in XXXX of 2023. On Tuesday, XX/XX/2023 at XXXXXXXX XXXX I received an email from Cash telling me the " investigation is complete. Based on the information you provided, we determined that your Cash App account was compromised and have secured your account for you. '' Naively, I believed a cash app representative that told me on the phone that the money sent from my Cash Balance during the dates my account was hijacked would be returned to my account. However, that did not happen. XX/XX/2023 I formally submitted via email a dispute of all monies sent from my Cash Balance from XXXX XXXX XXXX, 2023 for one of the accounts. The other account that was compromised had only XXXX purchases that I have been told there is NO WAY POSSIBLE to recoup that approx. {$12000.00} stolen via XXXX. There was a substantial amount of money totaling over {$20000.00} that came into my other account that was for my daughter and I to obtain housing and necessities to live. I was told via email that they investigation would again take another 10 days. Within a few hours after submitting my claim my Cash account was CLOSED, and suddenly I start getting the run around about the monetary claim. I was given a different case number but could not get an explanation for why there were XXXX different claim numbers unnecessarily. I was denied a provisional credit even after the 10 days that is stated to be available on the Cash app monthly statement. I have not been given a reason why any of my claims have been denied, and any questions via email or support chat that I ask are ALWAYS answered with an automated response that generally doesn't even answer my question. I have asked repeatedly for help with this matter via email, phone calls and support chat but only get tossed to the side and told they have given me all information available and they disconnect the call or chat or stop responding via email. I just want the money sent out of MY account to be returned. Due to all of this my child and I lost our house the day before XXXX because every bit of money I had was in my Cash accounts that were hacked and my money stolen by someone else. The device used to send the money was not my device. My device is a XXXX XXXX XXXX. Period. I have only lived and accessed Cash app from my home town of XXXX, Oklahoma. I have not traveled outside of this city in a very long time due to medical issues. Please help me get my money back, so my daughter and I can have a safe place to live again before XXXX. I will be attaching all the charges and correspondence via email that I am allowed. Thank you in advance for your time.
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 XXXX XXXX, and Account number XXXX XXXX XXXX account XXXX has all violated my rights. I looked at my equifax report on XX/XX/XXXX, and noticed some things are incomplete, to old from XXXX and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681
Product: Debt collection

I am a consumer of the United States and CB/victoria secret is a debt collector which is stating that I have alleged late payment, in which i paid on time. According to title 15 usc 1692 - congressional findings and declaration of purpose, they are in violation because reporting this to my consumer report has had a huge effect on my getting a job. Which is forcing me to have marital instability. I need them to update these alleged late payments and change them to on time payments within 5 days or I will pursue litigation. They also violated the FDCPA 15 usc 1692e - false or misleading representations- because they are falsely representing my character because they are accusing me of an alleged late payment and i paid it on time. Attached to this complaint is a cease and desist, that was sent certified mail and green return slip on XXXX/XXXX/202. Stating all the violations and harm, CB/victoria secret has committed.
Product: Checking or savings account

I have an account with US Bank and wrote a check to pay my property taxes. The amount was withdrawn soon after so did not think to log in to see where or who withdrew it because was the same amount initially written out. I received months later a delinquency notice from the county for unpaid taxes along with a penalty fine for being late. I then logged in to see what happened to that check and found it was washed and made out to an individual and not the county and deposited into an atm of the same bank. I contacted police and the bank and started a claim which was denied due to not checking online statement within 30 days of fraud. I was unaware that the fraud happened until I received that notice 6 months later. I asked for an appeal to their decision and a review of my case to which they still denied even though they could investigate the person that deposited the check into their own bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of fact from consumer XXXX XXXX XXXX Constructive notice public 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692h - Multiple debts ( a ) Notice of debts ( a ) Notice of debt ; contents ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 30 a statement that unless the consumer within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) d ( 5 ) a ( b ) Disputed debts if the consumer notifies the debt collector in witing within the thirty-day period described in subsection ( a ) that the debt, or any protion thereof, is disputed, or that the consumer requests the name and address of hte original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verificaton of the debt or a copy of a judgment or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the orignal creditor is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the comsumer has notified the debt collector in writing that the debt, or any portion of the debt is disputedor that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30 - day period my not overshadow or be inconsistent with the disclosure of the consumer 's right to dispute the debt or request the name and address of the original creditor. ( c ) Admission of liability ( d ) Legal pleadings ( a ) Notice provisons 15 U.S. Code 1692e. False or misleading representations the consumer never gave written consent to allow credit agency to report for her living natural person Consumer point where remove prior to reporting that she natural person the consumer wa being violated en legis controller 15 U.S. Code 1692d - Harassment or abuse would like all omission = returned to the original creditor and commission charged to surety under trust indenture act 1939 1933 hrj 192 the trustee of the company shall release all encumbrances back to security holder 15 U.S. Code 1692c - Communication in connection with debt collection ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of debt in default solely for the purpose of facilitating collection of such debt for another 16 CFR Part 433 1-3 PRESERVATION OF CONSUMERS ' CLAIMS AND DEFENCES