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

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaints and I'm including it again. 
XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



XXXX. XXXX - XXXX XXXX. XXXX - XXXX Please block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

My account information is wrong and has not been verified. This is a violation of my consumer rights.
Product: Debt collection

On XX/XX/year> I looked at my credit report and Portfolio recovery Assoc has been after my credit for a while. I did not authorized my social security number, date of birth or any of that information to them. This is also identity theft. I have tried to contact them recently with no answer from them to find out why they want to do identity theft. This is against the fair credit act and needs to be removed and with them buying that debt they now own it not me
Product: Credit reporting, credit repair services, or other personal consumer reports

wrong address and accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX 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 am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Signed a contract in which I received merchandise in XXXX, provided checking account and routing number for my payment to be withdrawn from my account in XXXX. The company reported that I missed a payment to XXXX. How can I miss a payment that I provided information to debit my account!? Ive entered a dispute, but Im livid about the unorganized practice of this company. The company sent me a text that my first payment would be extracted in XXXX!!! They have a 90 day payoff term, so by their negligence that would mean I only have a few weeks to payoff my account. They breached the contract and the conditions of it. The company advised me that I received my furniture in XXXX! That information was false, I received my jewelry in XXXX. Ive seen multiple negative reviews about this company and feel like their ethics should be exposed! Please help! I do have an active dispute in process!! They also impose an erroneous {$50.00} fee for early payoff, but the amount on my contract give the amount of merchandise and taxes which equal {$480.00}, according to them payoff is {$530.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account with the credit bureaus and they have not provided any validation for this account. 

I know that all they do when disputing anything is send data over to a company who sends a data file back. THAT IS NOT VERIFYING THAT ITS MY DEBT! I've looked up this company and it has numerous complaints about the same thing, incorrect reporting. I also noticed that CFPB has a lawsuit against XXXX XXXX. On page 9 of the filing it says File No. 201 -CFPB-0022 Sellers Disclaim the Availability of Documentation to Evidence the Debt they Sold to XXXX XXXX. Sellers typically have not provided XXXX with any Consumer-level documentation about most individual Debts, such as account statements, records of payments, and the underlying contracts signed by the Consumers. Instead, if desired, XXXX has had to order these documents from sellers, often at an additional cost to XXXX. So, if this is the case, then XXXX XXXX has no PROOF nor signature of my debt as I asked them to prove via certified mail. Which means that both XXXX XXXX and XXXX XXXX are falsely reporting on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX XXXX Account Number : XXXX Delete this account.
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 Finacial Protection App ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and adress fraund on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resoultion 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is the name of the company that my auto loan is through ; after contacting the company with questions about my contract, I realized that they are a collections agency. My original loan amount was reported in XX/XX/2022 and by XX/XX/2022, even though I have paid on time every month, my loan amount has INCREASED rather than decreased. 

This is being reported to the credit bureaus and lowering my credit score. 

Please help.
Product: Debt collection

I am writing to inform you that I have been a victim of identity theft. As per FCRA Section 605b, it is mandatory for you to remove/block any account listed on an identity theft report. I have attached the necessary documents to assist you in blocking the erroneous information that is being posted on my report. I would like to bring to your attention the list of accounts that do not belong to me or were opened without my permission : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened Date : XX/XX/2018 Balance : {$100000.00}. Please remove these accounts ASAP. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Checking or savings account

I opened this checking account with {$200.00} bonus. I completed the qualifying direct deposits and met all the other qualifications Bonus : " {$200.00} bonus when you open a new eligible checking account and complete the following requirements : Set up and receive Qualifying Direct Deposits of {$2000.00} or more into that account within 90 days of account opening. '' Direct deposits of more than {$2000.00} were made three times on XX/XX/23, XX/XX/23, and XX/XX/23 Date of Bonus : " If you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days '' It has been 120 days since the last direct deposit
Product: Student loan

I have previously made a complaint through you because I am eligible for income redriven plan.Navient had asked me for documents.I have sent all the documents and they sent me a letter stating that I was qualified and they have approved the income redriven plan and I have to start paying XX/XX/XXXX and that I should reapplied every year. Now the time come to start paying the XXXX. They kept sending different amounts XX/XX/XXXX-XXXX $ ,XX/XX/XXXX-XXXX , and XX/XX/XXXX-XXXX $ ,XX/XX/XXXX,XXXX $ ,XX/XX/XXXX {$1100.00} When I call them to tel them I had an income driven plan that I have a letter that was send to me regarding this they said I never had an income driven plan because I had never sent the documents that was requested. They had sent me the letter which I have attached to this file after I send the documents. 
Now they said that I must re-apply and this is the third time they do that. 
I want to start paying my loan. 
I work for the XXXX XXXX XXXX XXXX. This is what I can afford to pay. 
These people kept playing around with me. 
I would like you to help me get this thing cleared out because they are turning me around.
Product: Mortgage

PHH received loan servicing in February 2019PHH failed to furnish 1099 since thenPHH is again attempting to take my home
Product: Credit reporting, credit repair services, or other personal consumer reports

fcra violations not mine : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Multifamily XXXXXXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type Single family XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1200.00} Status Account charged off. {$1200.00} written off. {$1200.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6500.00} Status Account charged off. {$6500.00} written off. {$6500.00} past due as of XX/XX/XXXX. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$5800.00} Status Account charged off. {$5900.00} written off. {$5800.00} past due as of XX/XX/XXXX. 
XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$3700.00} Status Account charged off. {$3400.00} written off. {$3700.00} past due as of XX/XX/XXXX

XXXX XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
XXXX XX/XX/XXXXPotentially negative Date opened XX/XX/XXXX Balance {$41000.00} Status Open. 


XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Open/Never late.
Product: Mortgage

My property taxes are being held in escrow by my loan processor, Gregory Funding. They were due on XX/XX/2020. I was sent a late notice at the first of XXXX with a late fee. I contacted Gregory Funding on XX/XX/XXXX via phone. They confirmed that they have not been paid but said they needed copies of my tax information. On XX/XX/XXXX, I submitted an Error Resolution Notice via mail, email, and fax. I included copies of both bills which contained all information needed. As of this date, XXXX, they have not contacted me. My taxes have not been paid. This company is impossible to work with.
Product: Credit card

Unauthorized and unrecognized transactions appear on my Chase credit card. Phone calls with customer service representatives and attempts to use online fraud reporting tool have not resolved disputed transactions.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX, XXXX and Experian are consumer reporting agencies, and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies XXXX XXXX, XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX, XXXX, Experian or XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX, XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX XXXX XXXX account # 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 # 2 states a consumer reporting agency can not furnish my account information without my written consent. 

the first name of the debtor on this account is not even mine the amount owed on this account is not accurate with other credit bureaus every detail about this account is either false inaccurate or both.
Product: Checking or savings account

President - i opened td bank accounts in feburary that were closed by them right away and i sent a complaint to you. on XX/XX/2022 in a td bank in XXXX at XXXX and XXXX XXXX i opened a checking account XXXX with a transfer of {XXXX} from XXXX XXXX checking account XXXX and a savings account XXXX with another transfer of {XXXX} from XXXX XXXX. both were deposited on XX/XX/2022. since XX/XX/2022 i keep trying to open an online account and they keep refusing me saying i need to be verified. i told them i dont have transportation, XXXX would be {XXXX} about round trip to the closest one, and i was already verified through my in person visit to that XXXX with my ct license XXXX and ssa card XXXX they still refuse to give me access to online banking. this is the third attempt at trying to open td bank accounts to take advantage of there {$300.00} bonus and {$200.00} bonus for opening those accounts and already completing all the requirements needed to receive those bonuses but its appearing more and more evident that the XXXX XXXX is behind this banking institution and there doing everything possible not to fulfill that obligation of depositing those bonuses. you need to investigate this now and make all the arrests nesasary in order to stop this from happening to future customers. do that now. signed president of the XXXX XXXX XXXX XX/XX/2022 XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I spoke with Equifax, XXXX, and XXXX about unauthorized inquiries placed on my credit report under the security breach they were removed and placed back on to my credit report without my knowledge
Product: Mortgage

Bank of America did not make the County property tax payment for XXXX and XXXX. I received a delinquency notice in XX/XX/XXXX and again in XX/XX/XXXX ( {$670.00} - {$35.00} late fee included ) regarding nonpayment. I contacted Bank of America on each occasion and was informed that it was an error on their end. I contacted customer service on XX/XX/XXXX to inform them of nonpayment from my escrow account. I was informed that this would be escalated and paid immediately. I checked my online account on XX/XX/XXXX to see if the payment had been made. The payment had not been submitted and I contacted customer once again. I was informed that the payment had not been paid and a manager would call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

i did not consent to authorize nor benefit from the following account ( XXXX ). block and remove
Product: Credit reporting, credit repair services, or other personal consumer reports

Lost my wallet back in XX/XX/2021- ever since Ive had to report identity theft
Product: Mortgage

Village Capital Mortgage XX/XX/XXXX Tried to log in to my mortgage account to check on taxes. Says login not recognized. I have had a mortgage with this company for over 12 years. Refinanced the loan in XXXX and went through the process of establishing the new loan on line. Now, it's a problem because- not only can I NOT login to check on the loan, NO ONE ANSWERS THE PHONE WHEN CALLING DURING BUSINESS HOURS. 

XXXX XX/XX/XXXX Same exact issue. All I want is someone to help me to be able to access my account online so I don't have to CALL. 
ALSO - you would think making millions off of their consumers, they'd do better on their hold music. I understand they probably want you to hang up, but geez. They know how long their customers wait. 

A mortgage is a very pricey and important account. If these people can't keep up they need to sell their mortgages and shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wednesday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX | DOB : XX/XX/XXXX To Whom It May Concern, I am writing to you in reference to the following unverified inquiries to my credit : XXXX  Sales Financing XX/XX/XXXX XXXX   XXXX XXXX Jewelry/Cameras XX/XX/XXXX TransUnion XXXX/XXXX Finance/Personal XX/XX/XXXX TransUnion XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Bank XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX   XXXX/XXXX  XXXX Auto Dealers, Used XX/XX/XXXX XXXX    XXXX/XXXX  XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX   XXXX Wireless Telephone Service Providers XX/XX/XXXX XXXX   XXXX Tenant Screeners XX/XX/XXXX XXXX XXXX  XXXX  Bank Credit Cards XX/XX/XXXX XXXX  I have disputed these inquiries as lacking permissible purpose and being unverified, yet you have failed to respond within the 30 day period allowed under the FCRA. As I have previously stated, I contacted the companies myself and have been unable to get them to verify that they possess any evidence of permissible purpose or authorization to check my credit. 

I have enclosed copies of my requests to these companies, asking them to prove any authorization or permission was given to check my credit. These companies have not demonstrated any permissible purpose, and are NOT allowed to be checking my credit. I'm not even sure if they DID check my credit, because they have not demonstrated that they possess any record of me on file. The error may in fact be a clerical error on YOUR part, in which case I demand that you investigate these inquiries immediately. In any event, you are in violation of the FCRA by reporting this information on my credit report. 

Furthermore, the FCRA requires you to verify these inquiries within 30 days of my request. If the validity can not be verified, you are obligated by law to remove them. There is a clear case of unverified inquiries, and I urge you to remove these inquiries from my credit report before I am forced to take legal action. 

In the event that you can not verify these pursuant to the FCRA, and you continue to list the disputed items on my credit report, then I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 

While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

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

I'm writing to remove or update the inaccurate information of reporting late payments on my account with XXXX XXXX XXXX ( Account Number : XXXX ). 

According to my records, I have never made a late payment on this account during the reported period of XX/XX/year>. The incorrect information is significantly impacting my credit score and hindering my ability to obtain credit.
Product: Credit card or prepaid card

I am currently with XXXX a consolidation company, they send payments to XXXX XXXX every month for my past due bill however they continue to call my phone like 10 times daily regarding my account and report it to XXXX which lowers my credit score.