23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Pursuant to Title 15USC 1692 ( c ) ( c ) 2, I am the invoking specified remedy as the original creditor and demand per Title 15 USC 1692C ( C ) that Rent Recovery Solutions cease ALL forms of illegal communication through ALL and ANY MEDIUM except for communication of remedies for XXXX, the consumer and natural person, via MAIL.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted credit bureau by certified mail, XXXX XXXX, 2017, disputed a bankruptcy XXXX reporting on credit bureau. Was advised that the dispute was investigated by XXXX. <P/>However, there is no proof of the investigation and I have contacted XXXX Consumer Center and US Bankruptcy Court and was advised that information has not been verified through either agency. XXXX advised file is sealed and no information has been verified to XXXX or Experian. US Bankruptcy Court advised that they do not verify any information to third parties. <P/>Bankruptcy has not been verified or validated. Further, I was sent a response within 5 days and it is highly unlikely that of the thousand requests, my dispute was investigated and verified in that time frame. I requested proof of the investigation and did not receive any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several months ago I pulled my credit report and noticed errors on my report. I reached out to the credit bureaus on several attempts, but I was never successful in getting the issue resolved. I have also reached out to the organization as well only to be ignored. XXXX XXXX of XXXX XXXX is illegally reporting to my credit profile which is also violating my rights under the FCRA. 

According to the Supreme Court, child support is unconstitutional. According to Wehunt v Ledbetter, child support was designed to support the state. There is no law that states I have to support the United States Treasury.

Also, according to Blessings v Freestone there is no legal right for the mother nor the father to receive child support.

My rights under the FCRA have been violated as well : 1. 15 USC 6801 ( a ) Privacy Obligation Policy : " I have the right to privacy. '' 2. 15 USC 1681 ( q ) Obtaining information under false pretenses : " My written consent must be given before anything can be placed on my credit profile. '' 3. 18 USC 1028 ( a ) Aggravated identity theft : I never gave my written consent for this information to be reported to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

CHEXSYSTEM, XXXX, XXXX, XXXX XXXX ARE SHARING MIS INFO ABOUT ME AND PULLING INQUIRES. ALSO, REPORTING NEGATIVE INFO FROM OTHER BUREAUS.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the below accounts 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 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Validate/inaccurate reported late payments. the Fair Credit Reporting Act this dis
puted item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681 have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

Unauthorized/Erroneous Account RESULT OF the Equifax Data XXXXreach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.

Mistaken identity/ does not belong to me.

Validate this false charge off it does not belong to me.

Verify This invalidated account.

inaccurate/invalidated account Prove it.

this account is false and not mine Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is fraud. 

Sec. 1681a. Definitions ; rules of construction ( e ) The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disputing XXXX XXXX XXXX account number XXXX. Under the Fair Debt collection Practices Act ( FDCPA ), I have requested purchase agreement validation of the debt they said I owed, numerous times. A requested purchase agreement is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully requested that your offices provide me with competent evidence that I have any legal obligation to pay, which they have failed multiple after this request. 

In addition, XXXX XXXX XXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality : 15 U.S.C 1681 section 602 A. I have the right to privacy.

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. 

At this time, I will also inform you that if XXXX XXXX XXXX continues to report invalidated information to any of the three major credit bureaus ( XXXX, Experian, XXXX XXXX ), this action will constitute fraud under both federal and state laws.
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 USC 1681 section 602 states I have the right to privacy. 
15 USC 1681 section 604A section : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : a Creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX Account # XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX, XXXX  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 a account without my written instructions
Product: Payday loan, title loan, or personal loan

Through the life of the loan, I would agree to make a payment, then they would yank even more money than the payment repeatedly.
Product: Debt collection

Account Name : TD BANK USA/TARGETCRED Account Number : XXXX Date Opened : XX/XX/2012 Balance : XXXX Reason : Identity theft Please remove it from my Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to Trans Union stating that it was 7 fraudulent/identity accounts on my credit report. I sent a police report, my identifying information along with a identity theft report. They said that everything was verified which couldn't be true because I never had any of those accounts. They completely disregarded the police report that was filed immediately after I discovered the information on my credit report.
Product: Mortgage

In your package you sent me in XX/XX/XXXX On complaint XXXX documents provided for modification of XXXX and payment history shows modification cost of XXXX which shows escrow overcharge, and payments from XXXX XXXX-XXXX XXXX thru modification not being credited towards principal or escrow. It shows XXXX for escrow but over 9.000 was not credited as payments as payment history n escrow history does not show payments being credited. Thank you
Product: Payday loan, title loan, personal loan, or advance loan

My original balance is {$720.00}. XXXXXXXX XXXX  is {$900.00}. How is my balance {$4700.00}. They came and got the collateral per court order and nothing else was added. The account should have been paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has included an alleged bankruptcy on my consumer report without oral or written consent or validation of the alleged item. I've written to the company numerous times regarding the methods of verification used to disclose this item. The company has yet to give a reasonable explanation for any of the information I've requested in a letter dating back to XX/XX/2021. 

The company has not only infringed upon my right to privacy but has caused a great deal of stress in my life. The action of the company also constitutes fraud.
Product: Money transfer, virtual currency, or money service

Im filing a complaint Against Cash app ( Block, inc. ) due to an inadequate customer service and unfair practices which violated the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent an 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 errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. This action have caused significant inconvenient and financial loss, and I seek appropriate redress for this violations.
Product: Mortgage

I was late with a payment one month and I'm late again. I asked if I could defer a payment, but they said no. I feel like there should be more help available. I'm going through a separation and would not have gotten the house if I had known about it. They told me I have payment options XX/XX/year>, but didn't give me a payment plan or any payment options. I asked about what happens if I lose my job, and they said nothing changes ; I'll still have to make my payment. XXXX XXXX XXXX XXXX XXXX and work is slow right now. On top of that, I have custody of my kids and I'm paying a lawyer and now child support. It's a lot. I wish they had options like their paperwork says. Homelendserv.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXXXX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX XXXX. I believe this charge is incorrect and should be removed under the CARES Act. 

Description of the Situation : Account Details : Lender Name XXXX XXXX XXXX  Account Number : XXXX Late Payment : XX/XX/XXXXXXXX  Date of Late Charge : XX/XX/XXXX Amount of Charge : {$80.00} Reasons for the Dispute : Under the CARES Act, consumers are entitled to certain protections related to payments during the COVID-19 pandemic.I spent several months without working due to the pandemic and when I started working I decided to pay my debts and fulfill my obligations. 


I request that this situation be reviewed and that the late payment charge be removed from my account. Thank you for your attention to this matter, and I look forward to your prompt response. 

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

My XXXX XXXX  highlighted hard inquiries changes today. I have XXXX hard inquiries from XXXX and XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Phone XXXX. 

I don't recognize this company and when I dial the number is " not setup to receive calls '' I have a right to question the inquiry on my credit report and am unable to do so.
Product: Mortgage

This is such an unbelievably simple situation that I am flabbergasted that I've had to file a CFPB complaint after 5 calendar days of trying to get the most basic information. 


XX/XX/year> - I sent an email stating that I received an email from Rocket Mortgage saying that there are delinquent taxes, I ask for a copy of the letter with the information or information about what agency is stating there are delinquent taxes XX/XX/year> - Receive email from a representative named " XXXX '', this is clearly a chatbot and provides zero information about the letter that Rocket Mortgage claims to have sent XX/XX/year> - XXXX respond asking for a copy of the letter XX/XX/year> - I get a response saying they " have uploaded a copy of the Delinquent Tax Notice for your review under the Documents tab '' I check and it is naturally not there. I immediately respond with a screenshot showing that this document does not exist. 
XX/XX/year> - No response from Rocket Mortgage, to date no letter has been received by mail either XX/XX/year> - Double check documents tab again, still not there. 
XX/XX/year> - File a CFPB complaint because this is absolutely ridiculous.
Product: Mortgage

In XXXX at the XXXX arrived in a world after XXXX Iam having trouble to paying a Mortgage because XXXX having A XXXX XXXXXXXX my doctor said the XXXX is very dangerous for me and only my husband working XXXX seeing in a news the government approve assistance for home owners with forbearance assistance XXXX call a M & T Bank and M & T bank said ok we are here to helping home owners sending a letters approved and told me Im have options to pay $ XXXX or {$600.00} dollars a monthly payment at the first month we dont paying nothing but a the next month we pay {$600.00} dollares every month XXXX call last year in XXXX to a M & T bank and XXXX ready to making modification and M & T and promise me we paying owed at the end the mortgage and promise me modification and now the M & T bank request the all money and trying to take my home because XXXX divorce and my ex husband give me his portion at the divorce because XXXX always taking responsibility for pay my house my ex husband apply at the court with me for a new deed he give his portion the house so now Im only in a deed in XXXX when my husband and me buying the house both of them deed but his only in a mortgage
Product: Credit card

XX/XX/XXXX I noticed on my Capital One app that there was a recurring charge from the state of New Jersey licensing board for {$40.00} which would take affect XX/XX/XXXX. I immediately called Capital One and stated I never authorize this, they asked me if I contacted the state of New Jersey which I did the email telephone calls. State New Jersey never authorize that and does not do that for licenses. It was very clear that the recurring charge description was fraudulent. I called capital one several times spoke to managers County executives the fraud department. I asked the remove that reoccurring charge, I thought my account had been hacked and state New Jersey confirmed it was. They sent me a new credit card with the recurring charge. Still there. I called again this evening XX/XX/XXXX. Explain the charge is still on my credit card charge my account next year. I told him this is fraudulent. This was not me who authorized it. I spoke to the state of New Jersey. I asked them to remove it. They refused to remove it. They said they could not do anything about It so essence I had to cancel my card which I've had for 35 years. I had multiple charges for rental cars. I had to cancel rebook with a new credit card. Their practices should be investigated. That is my money my card and they would not remove the reoccurring charge that I did not authorize that was clearly, a fraud
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to each on of the credit bureaus : Transunion, XXXX  & XXXX  and they have yet to respond to me or provide results. I do understand there is a pandemic going on, but they are still required to provide results under the law. They are reporting errors on my credit file and they need to respond to disputes. I have sent another round of disputes to them in hopes to get in touch and receive any kind of correspondence. I will await your response.
Product: Credit reporting or other personal consumer reports

My account with the JPMCB CARD and i was never late! I have had exceptional payment history with this company 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 XXXX XXXX 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.

This company 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear : whomever who is reading this I hope this letter finds you well. I am writing to officially communicate my decision to opt out of any and all authorizations, whether written, unwritten, or verbal, in accordance with the Fair Credit Reporting Act ( FCRA ), as a protected federal consumer. 

As per 15 USC 6802, I am exercising my right to revoke any authorization that may have been previously given, and I request that you cease any further use or disclosure of my information in this regard.

Please acknowledge this request and confirm in writing that my decision to opt out has been duly noted and implemented. I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Mortgage

I received a notice of an escrow shortage from ocwen for {$950.00}. I sent them a check waited, called them nothinghappened. So I sent another check thinking maybe thefirst XXXX got lost. Again nothing happened. Finallygot a hold of someone they said they have both checksand the first XXXX is being processed. Still nothing. Its been XXXX. I have a check for {$950.00} that I have no idea if whenor if it will be cashed. They do n't answer emails their callcenter is in XXXX and are no help at all. On top of thatmy last payment which they got a day before the due datethey applied to principle and not the payment due then theysaid I was late on my payment. I have never been latepaying them. They just had to pay XXXX dollars fordoing this kind of thing and they are still doing it. Willanyone do anything to stop them?
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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt or credit management

A fraudulent loan account was opened in my name with Self Inc. without my knowledge or consent. Despite multiple attempts to contact Self Inc. via email ( 5+ times ), I received no response. I'm concerned about identity theft and potential credit damage.
Product: Student loan

I refinanced my student loans back in XX/XX/2023. I had 3 separate loans, each totaling about XXXX each for a total of XXXX. The one loan in question is actually 6 loans totaling XXXX, the servicer is EdFinancial. 

Both other loan servicers I have no issues with as they have correctly cleared my balance/etc, but EdFinancial, has not. 

Along with wait times approaching 2 hours to get onto their customer service line, I have been unable to get a clear answer as to if the money has been received. My account with them still shows the full amount of the loan, and I have been accruing interest and paying my monthly payments to them since. 

My new provider ( which I have also been paying monthly, and accruing interest with ) has let me know that the check they sent to EdFinancial had cleared XX/XX/XXXX. It has been 3 months, and EdFinancial still hasn't settled my balance, even after I sent them a scan of the check. This has caused me to be double charged interest, and paying double for loans.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau the documents needed are the picture ID, a bill and letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the list of acceptable items which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have alot of financing on my account that I never seen are heard of and most them are out state and I'm in XXXX and the only bank I had was XXXX XXXX and XXXX XXXX XXXX XXXXXXXX...... and on my credit report it's an bank call XXXX  I never gotten card are talk to anybody now I lost my ID 3 times someone must had to use my identity but me personally none of that I never heard of