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

Despite multiple attempts to address this issue, I have not been able to successfully rectify the situation, and it is having a significant impact on my financial well-being and personal security. I became aware of unauthorized and fraudulent entries on my credit report, which includes inaccurate account information, and charge off accounts. I submitted all the required documentation to support my claims and requested the removal of these items from my credit report. To my dismay, my initial dispute was not resolved in my favor, and the fraudulent items remain on my credit report. This prolonged inaction is causing me significant financial and emotional distress. I demand that you take immediate action to remove these fraudulent items from my credit report, conduct a thorough investigation into their origin, and update my credit history accordingly. I also request that you provide written confirmation once the fraudulent items have been successfully removed from my file. Failure to address this matter promptly not only jeopardizes my financial stability but also undermines the trust I have in your organization 's ability to manage and protect my sensitive financial information. I am asking for your immediate assistance to remove the fraud items in my credit file : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance Owed : {$36000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$7000.00} XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX Balance Owed : {$590.00} XXXX XXXX XXXX Balance Owed : {$37000.00} XXXX XXXX XXXX XXXX Balance Owed XXXX {$3400.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$8400.00} XXXX XXXX XXXX Balance Owed : {$34000.00} XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX **** Balance Owed XXXX {$6200.00} XXXX XXXX XXXX Balance Owed XXXX {$1800.00} XXXX XXXX  XX/XX/year>.
Product: Mortgage

My mortgage company hired their own substitute trustees who effectively helped them steal my house! And I believe they breached their fiduciary duty by failing to act in a fair manner! They not only didn't do their own research to even see if the bank actually held the loan on my house which I don't believe they did or that maybe it was paid off when the original borrower died, but they followed suitin not talking to me at all about anything and treated me as if I had stole the property when I deeded it to myself to get all the deceased people 's off it. Then they refused to let the program " Keep Your Home California '' pay them off and wouldn't issue the surplus money to me saying they would spend every last dime of it if they needed to find my companions son, and only if he didn't want it would I even have a chance. Then they straight up treated me as if I stole the property when I needed itto myself in an attempt to drop all the deceased people and get them to talk to me. Ultimately the funds were deposited with the courts for them to distribute after they had taken as much as they possibly could leaving me to patition the courts over 8 months later for it. And my question is why did they treat this whole thing like it was personal and why did they treat me so unbelievably cruel?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  reporting inquiries XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion 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 an account without my written instruction.
Product: Payday loan, title loan, or personal loan

I was offered a " line of credit '' of {$1200.00} and there were ZERO  explanations in laymen 's terms how they figured their interest. As in, I had no clue what my monthly payments would be & I HAD to give them my bank account to take ACH payments from every month. I understood that this was a high dollar loan, I wanted an installment loan, but for whatever reason, they're doing this credit line in my state ( MO ). My first payment came out of my account & it was {$250.00}, in which {$120.00} was now available for me to " draw '' from. I did NOT do this & figured my next months payment ( this month ) would be about the same if not a bit less since I didn't utilize the credit. However, this month, they are going to take out {$410.00}!!! This is above & beyond predatory lending! I looked at my statement & my balance is UP {$200.00} instead of showing that I made a payment at all! At this rate, my bill will constantly go higher & higher every month. This was never mentioned & if it was, they sure made it extremely complicated to understand. 

This is unethical & obviously they had their license to offer installment loans revoked in MO, hence this new scam.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score. 

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.
Product: Credit card or prepaid card

All three credit reporting agencies show a high balance of {$9400.00} on my closed Bank of America credit card account and a credit limit of {$6500.00}. The credit limit is correct but the high balance didn't look right to me. I contacted Bank of America and they confirmed via phone that the high balance is incorrect because they only show two statements from XXXX and XXXX of XXXX, the highest balance being {$50.00}. They mailed me copies of both statements and I verified that the highest balance between both statements is {$50.00}. I filed disputes with the credit reporting agencies and they came back saying that Bank of America verified that what is on the report, including the {$9400.00} high balance, is correct. I called Bank of America again and this time they launched an investigation. I received a letter from Bank of America dated XX/XX/XXXX saying their review determined that they accurately reported to the consumer credit reporting agencies and consider my dispute resolved. It is not resolved. If they claim they're reporting accurately, then why could they only send me two statements from XXXX for this account, neither of which carries a balance greater than {$50.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm resubmitting this letter to follow up with the dispute I filed over a month ago, I hope your company is now investigating this matter.
Product: Debt collection

These accounts were open fraudulently while i was in XXXX  from XXXX XXXX to XXXX XXXX i demand that these closed accounts and collections accounts be deleted immediately according to FCRA LAW 15USC 1681 ( a )
Product: Debt collection

Portfolio Recovery Assets is relentlessly calling my home. My husband has taken all of the calls and has told them to stop calling. The calls have come in the morning and at night, and it appears to be a different person each time. They do not identify themselves, and do not say why they are calling, but I understand from doing online research that PRA is a collection agency. I do not have any outstanding debt, my credit is in good standing, and I do not know why they are calling me, but it has gotten to the point of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so. 
It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. As I stated before, this is my final request for you to do as you are governed by the FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is fraudulently reporting on my consumer report without written consent or authorization to report. XXXX XXXX XXXX provided statements, but no signed contract between XXXX XXXX XXXX and XXXX XXXX giving authorization to report on my consumer report. Requesting that this company be removed from my consumer report immediately.
Product: Credit reporting or other personal consumer reports

My name was found in the 2017 data breach and I never received a notice. Wages from 2017 are missing due to this matter as well.
Product: Debt collection

Heres the updated version : For the past year and a half, I have repeatedly disputed this rental debt collection with the credit bureaus, but my disputes have been unsuccessful. After exhausting those options, I decided to send a debt validation letter directly to Capstone Credit and Collection. They received my certified letter on XX/XX/year>, requesting proof of the alleged debt, as is my right under the Fair Debt Collection Practices Act ( FDCPA ). 

Despite their legal obligation to respond within 30 days, I never received any validation of the debt. Instead, I only discovered that the collection was still being reported when I checked my credit report. 

This collection has made my life extremely difficult. My fianc and I lost our home due to XXXX XXXX flooding and have been in temporary FEMA housing under a reduced rent program. That contract ends in XXXX, and I have been repeatedly denied housing due to this collection. If this issue is not resolved, I will be left without a place to live. 

Because Capstone failed to validate this debt within the legally required timeframe, it should be immediately removed from my credit report to prevent further harm to my ability to secure housing.
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 ( CFPA ). 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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations please and thank you!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and identified several items that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports.

Furthermore, under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if disputed information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency must promptly delete or modify the item and notify the furnisher of the information. 
I request that you investigate the following items and take immediate action to correct or remove them if they can not be verified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please complete your investigation and notify me of the results within 30 days of receiving this letter, as required by the FCRA. Once the disputed items are modified or removed, kindly send me an updated copy of my credit report. 
Thank you for your prompt attention to this matter. Should you require any additional information, please feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.
Product: Student loan

I submitted refund request on XX/XX/XXXX ( both verbally and in writing ) for refund for payments totaling {$3000.00} made during XXXX - XX/XX/XXXX administrative forbearance period as instructed by Education Department for MOHELA 's failure to send bills to borrowers at least 21 days before the payment due date. MOHELA provided notification email on XX/XX/XXXX that any payments during the XXXX - XX/XX/XXXX administrative forbearance period they would have to refund, if requested, as result of failure to provide for XX/XX/XXXX billing statement at least 21 days before the payment due date. ( I will provide the XXXX MOHELA email along with my XXXX submitted requests for payments to be refunded ). I was advised at time of my request on XX/XX/XXXX, it would take 5-10 business days for update from MOHELA 's accounting team regarding processing of the refund. I have heard nothing from the accounting team as of today XX/XX/XXXX and 32 business days later. Every subsequent contact I have made ( XXXX XXXX ), I have been given made up timelines and that the refund has not been processed by MOHELA. I am requesting immediate processing of this {$3000.00} refund along with date refund has been submitted by MOHELA as they have been submitted all documentation for my refund request back in XX/XX/XXXX and have failed to process the refund as instructed by the Education Department for failure to send XX/XX/XXXX bill to borrowers at least 21 days before the payment due date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to update information on my Experian Consumer report reached out to the Consumer Reporting agency I need the addresses removed from my report to prevent Identity theft, and they stated these addresses can't be removed I need them removed to prevent issues the FCRA states that all information has to be correct!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I am being told by Harris & Harris , Ltd. that I owe them {$100.00} for a debt for an account through XXXX XXXX, commonly known as XXXX XXXX XXXXXXXX. this is entirely false. i pay XXXX XXXX every single month. they have accepted the amounts that i pay based on what i can afford. Also, for over a month, nothing showed online that i owed a balanced at all. so i assumed it was paid for and that i had paid it all off. harris keeps calling me it is annoying. also now it shows through XXXX  that i only owe {$81.00} for this account, but harris is asking for {$100.00}. like i said i XXXX monthly every month. also my name is not XXXX XXXX anymore it is XXXX XXXX, so at least get the name right.
Product: Payday loan, title loan, or personal loan

Paid the payoff amount in XX/XX/2022. Then was told it didn't payoff the loan. They have since charged fees and cost of {$610.00} and reported my account delinquent to the credit bureaus. Their loan is outside of usery laws.
Product: Mortgage

I am about a month ahead in paying my mortgage premiums. I habitually go online, make my mortgage payment and add additional funds to go toward the principal. Most recently, and three times now, Mr. Cooper has taken my payment and applied it entirely to the principal balance. I do not want this! I specifically allot the payment to 1 ) house payment & 2 ) additional principal. I can't understand why they are not following my directive.

I have called to have this corrected for last months payment & low & behold, it's happened again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint of non-compliance requesting validation, made pursuant to the Fair Debt Collection Practices and the Fair Credit Reporting Act, along with the corresponding local state laws. 
Please note that I am requesting VALIDATION ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay these companies : 1 ) XXXX   ( XXXX XXXX  ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER 2 ) XXXX XXXX   XXXX ( XXXX XXXX XXXX ) ACCT # XXXX ATTACHED LETTER This month the FTC, and Federal Law Enforcement Partners have announce Nationwide Crackdown on Abusive Debt Collection Companies. 
This is formal complaint that you have failed to provide me with copies of any viable evidence, bearing my signature to my dispute letter deposited by certified registered mail with USPS. ( have attached certified letters that were sent ).

I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. How are you guys reporting or verifying these accounts to the CRAs when it lacked underlying documentation. 
In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents bearing a signature within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account.

Consent Decree Order, Section II.

As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter. If not you must remove the accounts listed above. These accounts have hurt my ability to obtain credit.
Product: Debt collection

I was advised by XXXX that a collections account has been added for a utility account I never authorized. I have never lived in XXXX XXXX ever. I spoke with XXXX XXXX from Convergent Outsourcing who advised an account was opened up using my SSN and DOB for the property address XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX for XXXX XXXX XXXX and the email address used to open the account XXXXThe amount of the debt is now at XXXX XXXXXXXXConvergent account number is XXXX. 

Credit Agencies have been advised and my credit is now frozen and a fraud alert is now on all 3.
Product: Credit reporting, credit repair services, 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. 

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

It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.