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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the charges on my credit report related to the following accounts : XXXX XXXX XXXX Charge Off Account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX OF XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge OFF Account XXXX XXXX XXXX Bankruptcy XXXX I understand that these accounts have been charged off or sent to collections, but I strongly believe that these charges are not accurate. Furthermore, I would like to point out that I filed for bankruptcy on XXXX, and as such, these accounts should no longer be on my credit report. 

I am emotionally distressed by the negative impact these charges are having on my credit score, and I am kindly requesting that you investigate these charges and remove them from my credit report. I have been working hard to improve my credit and these inaccuracies are hindering my progress. 

Thank you for your attention to this matter. Please let me know if you require any further information from me. 

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

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have filed a complaint to IQ data international last year for they threat me to hurt my credit. ( no one ever send me bill to make any payment and asked me the payment information directly in the phone. I reject to provide them my payment information and their employee threat me to hurt my credit if I don't pay the bill right away. And I still keep the voice record ) The IQ data international send me the response last year XX/XX/XXXX and clearly my case has been marked as dispute. But, I ran my credit last weekend for making purchase of a car and I found that they reported on my credit report. They had not just threat me, but also put in action. I believe that I am not the first one got hurt on credit by this company, and if the government not take control this situation I am will not be the last one be threat and hurt on credit. They have over drive their power. I truly believe that my government should'n allowed any one done such thing to their legal taxpayers.
Product: Mortgage

Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate.
Product: Debt collection

This is the second complaint with CFPB an d Caine and Weiner. My  first complaint was  XXXX .  Caine and Weiner respond ed with a response that the debt is verified. The company 's determination of verifying a debt is to send a copy of a bill. That is not verification. I requested in writing twice, certified mail, read receipt, to verify AND validate this debt is mine. It is not! I have This right under Secti on 609! I  have the right to request and receive " the name of the person under which such person conducts business and the address and telephone number of that person ''. I request proof the debt is mine. This proof/verification/validation will not surface because it does not exist. A copy of a bill does not suffice, nor fulfill my request. If  Caine and Weiner  can not provide this, I want this account removed from my credit report immediately.
Product: Debt collection

On XX/XX/XXXX my husband and I filed a WI 128 amortization of debts. On XX/XX/XXXX an order was entered by the court that all debts included in this payment plan are satisfied in full. This company has two accounts opened. One in my name and one in my husbands name. Additionally, the account in my name is also serviced by XXXX XXXX Firm in XXXX, Wi and they show it as a outstanding judgement on my court record. I have spoken with Midland as the balances owed are very low so I was just going to pay the extra over what I was ordered to pay. Midland refuses to take money directly from me because of the trustee who was placed on the account for the 128 plan. Since the plan is satisfied the trustee is no longer in this equation. Both debts to this agency/attorney have been satisfied in full but they are not being reported in such a manner.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Mortgage

B of A misapplied my early payments to principal paydown, then dinged me for late payments. Between XXXX/XXXX/15 and XXXX/XXXX/15, a CSR named " XXXX '' advised they would fix it and told me to send in {$100.00}. Later B of A still hit me for a late fee and did n't fix it. On XXXX/XXXX/15 I requested a pay off demand. B of A had another late fee included in the payoff of {$130000.00} as of XXXX/XXXX/15. I complained and on XXXX/XXXX/15 I spoke with an XXXX at " XXXX '' who said he would resolve my demand that they remove the {$38.00} late fee. B of A then re-issued the payoff demand on XXXX/XXXX/15 for {$130000.00} as of XXXX/XXXX/15 XXXX yes ~ {$180.00} higher! ) I called and complained. B of A ignored me. I spoke with a XXXX XXXX on XXXX/XXXX/15, who said he would resolve the issue. He never did, i called and left about XXXX voicemail messages for him over the next 3-4 days and he never responded. I also left XXXX vm messages for " XXXX '' who was purportedly XXXX ' supervisor at XXXX, he never called me back. I also left vm messages for " XXXX '' at x XXXX, he never called me back. 

I spoke with an XXXX XXXX on XXXX/XXXX/15 at around XXXX, she was unwilling or unable to resolve the XXXX {$180.00} problem. 

I was forced to overpay in the payoff demand, as the property was being sold. 
In addition, i made an inadvertant extra payment to B of A after the property was sold. 
I never received any accounting as to the overpayments and would like a full accounting. I received a check back but i believe this was only for the credit balance in the escrow account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing an issue with the following companies : XXXX XXXX XXXX  XXXX  TransUnion
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

Account name : Great American Finances
Product: Checking or savings account

XXXX Iowa XXXX XXXX XXXX  XXXX Called the XXXX  XXXX XXXX  XX/XX/2023 regarding the transaction. In first phone call, an employee stated that they would be able to count the ATM and see how much short they are, but then after being placed on a brief hold I was told she was not able to do that, and to contact my bank which made the transaction, which was CashApp. 

-Cash App : -I disputed 3 times with Cash App, with 2 out of the 3 experiences being extremely negative and unhelpful. I was hung up on after asking simple questions, and had to call back to file a complaint with the manager. The manager is now reaching out to their " dispute team '' and it is going to take " a couple days '' to get back to me. 

ABOVE IS WAS JUST HAPPENED, THIS IS THE PRE TEXT : XXXX XX/XX/XXXX at XXXX XXXX, I withdrew {$360.00} from Security XXXXXXXX XXXX XXXX XXXXXXXX Iowa XXXX ( total XXXX with fees, {$3.00} operator fee, {$2.00} cash app fee ), and I did not withdraw the money in time at the ATM. The money went back inside the ATM after I did not collect it after the allotted time allowed for collection. I then put my card back in, got another XXXX, and left. I called the next business day ( XX/XX/2023 ), regarding the issue that happened. The bank essentially told me ; this is not our problem, this is Cash App 's problem. Please file a dispute on Cash App 's end and they will handle it. Well, they have not. I have filed 3 disputes and they have all been denied ; because Cash App has FAILED to initiate a proper investigation. They have not even contacted the XXXX XXXX XXXX, Per the President of the XXXX Iowa Branch.

In essence, Cash App needs to be held accountable and my money should be reimbursed into my account as soon as possible. ALL Cash App needs to do is call XXXX XXXX XXXX, verify by VIDEO FOOTAGE I did not get the money, and then refund it into my account. It seems that simple, no? XXXX XXXX XXXX  stated they will not release video footage unless their is an ongoing police investigation, or some sort of legal thing happening. 

However, this is not taking progress. It seems like this issue is not going to be resolved by them. I am living paycheck to paycheck and I need my money as soon as possible. I was withdrawing that money for rent. 


I just want my money back. This seems the only way since CASHAPP has FAILED to initiate a PROPER and LAWFUL investigation, not only failing to provide accurate reasoning but did not even reach out to AFFECTED TRANSITOR.
Product: Credit reporting, credit repair services, or other personal consumer reports

LACING MY REPORT WITH FALS ENTRIES>illegal-FCRAXXXX 1. On XX/XX/XXXX, I received my Lexis Nexis C.L.U.E . Report for my car insurance. I am doing a re-rate next month with XXXXXXXX XXXX  XXXX XXXX. I do not have home insurance. 
On XX/XX/XXXX, I called Lexis Nexis twice-to dispute the items on my Reported Claim History For RISK. Attached, is the item on page 1, in the middle of the page. ( car insurance ) On XX/XX/XXXX, M XXXXXXXX XXXX XXXX XXXX XXXX ( fire and casualty ) for cause of loss XXXXamount paid {$3800.00} at the address of XXXX XXXX XXXX XXXX XXXX XXXX ( wrong address ), XXXX, AZ XXXX. False information-DELETE! -FCRA I disputed this- for my personal address is XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX . It is a mailbox at XXXX. 
There is no space for wind damage in my tiny mailbox for {$3800.00} as I informed Lexis Nexis. 

2. On page one, I disputed- at the top, " RECAP '' Risk 1 Claim Reported. Delete at once! Not mine. FCRA 3. On page 2, Lexis Nexis and XXXX   have NOT updated my payment information on Lexis Nexis report. FCRA XXXX XXXX ( last  activity-9/2018 ) I pay every month on time and its XX/XX/XXXX. That's 7 months of unrecorded monthly payments. FCRA XXXX XXXX ( last activity10/2018 ). I pay every month on time and its XX/XX/XXXX. That's 6 months of unrecorded monthly payments. FCRA 3. On page 3, Lexis Nexis must remove " revolving accounts past due {$2900.00} ''. Remove entire entry for it is not mine and false information. FCRA Remove 18 entries for inquires on the same day- XX/XX/XXXX Remove 2 entries for XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. 
LACING MY C.L.U.E . and CREDIT REPORTS WITH FALSE ENTRIES -- VIOLATIONS-FCRA.
Product: Mortgage

This situation is related to the Covid-19 Pandemic and the subsequent CARES ACT. 
Lender Navy Federal Credit Union ( Mortgage Arm ) Complaint : Misinformation Regarding Home Loan Forbearance of VA loan. 

Lender is not providing accurate information regarding loan modification options for specific loans to include VA loans to military members. 
Members participating in CARES where told by Navy Federal employees to make payments when possible as making payment when possible would not jeopardize the Forbearance Status. Once some payments were made the lender stated any payments made prohibited participation in the CARES modification program. Lender sent threatening letters stating CARES participant was delinquent ( even though payments were made on-time ) and the home could be foreclosed upon and negative credit reporting would be made.

Member contacted lender who stated they failed to provide updated information to members regarding VA guidance which required a 90 day delinquency to participate in forbearance program. 

Navy Federal Credit Union ( NFCU XXXX failed to process loan modification as stated. NFCU stated a missed XX/XX/2020 payment would be moved to the end of the loan term since that one month was the only missed payment. NFCU subsequently forwarded XXXX payment to XXXX, And XXXX to XXXX making XXXX appear delinquent. In reality XXXX and prior months were paid on time. 
Navy Federal Credit Union is providing false, misleading, and/or outdated information to members increasing the risk for their military member base to face credit harm, foreclosure, or financial stress during the COVID-19 pandemic. 
Individuals in both the collection department ( XXXX ) and the loss mitigation and loan modification departments ( Supervisor XXXX XXXX ) acknowledge members were provided incorrect, misleading, or outdated information regarding their loan status and mitigation options. Members are discouraged from leaving forbearance programs, and accurate details regarding the timeline and structure of loan modifications are not provided to members. 
A recorded and time stamped phone call is available on Navy Federal Systems for XX/XX/2020. Time frame for phone call XXXX. 
Member received a certified letter threatening foreclosure and or negative credit reporting for a member participating in the CARES ACT. 
XXXX XXXX removed property from the CARES program on XX/XX/2020 after failing to modify the loan as promised. 
All payments are current, but the threat of foreclosure or negative credit reporting still looms over member to whom no remedy was provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Texas XXXX XXXX : XXXX DOB : XXXX Experian XXXX XXXX  XXXX XXXX, TX XXXX Attention : Consumer Relations, I recently obtained a copy of my credit report from your service and have found the following items to be in error. I have provided documentation as evidence that the items in question are inaccurate and need to be deleted from my credit report. 
Item # 1 : I dispute XXXX XXXX XXXX, this is not mines. I have payment history as proof. Please delete this account. I have sent copy of dispute with original creditor prior to sale of account debt. 
Item # 2 : I dispute this account XXXX  XXXX XXXX - XXXX, the balance is wrong and the account is being paid monthly. This account should never have any charge offs. If account is sold, the balance should be XXXX. Please delete this account. 
Item # 3 : I dispute XXXX XXXX  - XXXX, this account is more than 10 years old and should be deleted from report. 
I am also dispute the inquires below on page 2. 
Per Section 611 of the Fair Credit Reporting Act, I am requesting that you re-investigate those items indicated, and promptly delete any item that is not valid, is inaccurate, or has outdated information from my credit report. 
In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. 
Please send me an updated copy of my report, and notification that items have been deleted. I will consider 30 days a reasonable time for you to validate these items. 
Thank you for your prompt attention in this matter. 
Respectfully, XXXX XXXX XXXX The inquiries below are not mines. 

These lenders have accessed your credit file : XXXX XXXX XXXX  Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX XXXX  XXXX  Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX Subject : Formal Demand for Immediate Deletion of Student Loan Account Due to Unauthorized Data Breach To Whom It May Concern, It is imperative that the student loan account listed under my credit report, which has been compromised due to unauthorized access by the Department of Government Efficiency ( DOGE ) in direct violation of federal privacy laws, including the Family Education Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ), the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), and the Gramm-Leach-Bliley Act ( 15 U.S.C. 6801-6809 ), be immediately removed. 
Recent reports from XXXX  XXXX and XXXX confirm that DOGE accessed sensitive borrower data without consent, violating my rights under FERPA, which strictly prohibits unauthorized disclosure of student loan information. Furthermore, under FCRA 1681s-2 ( a ) ( 1 ) ( A ), any account containing inaccurate, fraudulent, or illegally accessed information must be deleted immediately upon dispute. The Department of Education 's failure to safeguard my personal information renders this loan unenforceable and illegitimate. 
Additionally, under XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ), any credit report containing inaccurate or misleading information violates consumer rights and subjects the reporting agency to liability. Suppose this account is not deleted within 30 days. In that case, I will pursue legal action for damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
This dispute is not subject to verification with the furnisher, as the data breach voids any legitimate ownership of the account. Failure to delete the account will result in immediate legal action, including but not limited to complaints to the CFPB, FTC, and state attorney general, and demand for substantial financial compensation for the damages incurred, including but not limited to the maximum damages of {$1000.00} per violation under FCRA 1681n and additional relief provided by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
You must delete this account immediately and confirm in writing within 30 days. I can not stress enough the urgency and importance of this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

You Violated the United States Code Law 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. I demand you to comply.

In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents.
Product: Debt collection

I have mail dispute and validation letters to company and credit agencies havent received a response back account not mine and there reporting different opening dates from XXXX  to XXXX  and XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX XXXX Balance Owed : {$950.00} XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$16000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Reference # XXXX
Product: Debt collection

I got a call from the debt collector around XXXX XXXX on XX/XX/XXXX. He said I owed a debt which I explained I do not owe that amount. The conversation was going ok until I told him I believe that i do not owe that amount to XXXX XXXX and I am not going to pay money that is not owed. He then threatened to keep harassing me every day and to call my employer as well which is basically trying to embarrass me at my place of employment over a debt I do not owe. This is wrong on so many levels especially when I do not owe the amount claimed.