23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This is a XXXX  account. I Never had XXXX. Ever. They dont offer those services in my area as they we use XXXX XXXX am asking kindly to have this removed and closed. I believe my information was leaked on the dark web causing me issues with random accounts opened in my name and my personal information sold. It is for {$320.00}. I should not be responsible for this. Thank you so much in your cooperation im closing this open account.
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 
As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2019, SYNCB add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I applied for the HomeOwners Assistance Fund for my state of Florida back in XX/XX/2022. I received an email that I was approved for 6 months of payments for my electric and mortgage on XX/XX/2022 starting XX/XX/2022. I contacted the HAF and was advised that both payments were sent out on the same day which was no later than XX/XX/2022. My electric company received my payment on XX/XX/2022 but my mortgage company is claiming to not have received any payment via the mail and I was charged a late fee as of XX/XX/2022. Ive been in contact with both HAF and my mortgage company daily since XX/XX/2022. The HAF is advising that they cant start an investigation in to whether the check was cashed until XX/XX/2022. Its almost time for another mortgage to come due and Im scared of being charged additional late fees and as well as being reported late to the credit bureau. I just want my mortgage company to apply the payment if theyve received it. Its hard to believe that one check was received by the electric company but the other one was lost in the mail since they both were mailed the same day. I believe my mortgage is slow to apply the payment to intentionally charge a late fee which I cant not afford to pay.
Product: Mortgage

My escrow account went up significantly by over XXXX per month beginning XX/XX/year>. It is mainly due to an increase in taxes so I attempted to call Mr. cooper daily since XX/XX/XXXX. I have tried live chat but it states no one is available. I have called their customer service and it is impossible to reach anyone. I would like to pay my own taxes so that I can be more involved to reduce this tax burden. I am a XXXX XXXX XXXX in Georgia therefore I should be able to argue this burden. I do not know if I have the right to remove my mortgage from escrow and I cant reach me cooper. I have had to put my home for sale because I can not afford the increase. I am not happy with mr cooper and feel I have no recourse. Please help us.
Product: Credit reporting or other personal consumer reports

I have accounts on my credit report that do not belong to me. I made a FTC report to the credit bureaus. I report the accounts to the bureaus to remove the accounts for my credit report. They didn't remove them. 

inaccurate accounts XXXX XXXX XXXX  XXXX {$4700.00} XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX {$1000.00} XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2800.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$7.00} XX/XX/XXXX 2016
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 violates The consumer Financial protection act. 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, Theyre dispute resolution process was unfair and deceptive As they did not comply with error Resolution requirements Under the electronic fund transfer act and regulation XXXX These actions have caused significant inconvenience and financial loss and I seek that appropriate action be taken on their behalf And I seek The appropriate redress for these actions. I also believe it was very unfair that cash app Nor block Notified any of their users of this lawsuit, as they should have given everyone a chance to file for what is rightfully theirs because of their unfair actions and deception.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to an 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 process was unfair and deceptive, as they did not comply with their 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 address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to access my credit file from Experian to place a freeze because someone is using my information. Experian required me to submit documents to prove my name address etc. Which I mailed to them 2018. They responded with a standard form letter saying my case was closed without resolution. I have not been able to access my Experian Credit file and I have fraudulent accounts opened in my name.
Product: Debt collection

2 Bankruptcy cases were dismissed and I received dismissal papers from court. Ive sent 3 series of certified letters were sent to Trans union and XXXX, during the past 6 months. Bureaus said they were legit and kept them on my credit report.
Product: Credit reporting or other personal consumer reports

I submitted this complaint again to update this suspicious information. XXXX Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

the items that i request deletions from XXXX are the following because i am a victim of identity theft are as follows : XXXX XXXX XXXX  XXXX {$4200.00} JPMCB XXXX {$4200.00} XXXX XXXX XXXX XXXX$24000.00} XXXXXXXX XXXX XXXX {$21000.00} XXXXXXXX XXXX XXXXXXXX {$1600.00} i have provided attachments below
Product: Checking or savings account

Hello, I am a previous Wells Fargo account holder. I had an account with them in XX/XX/XXXX, and closed the account due to unnecessary fees. The account was over-drafted in the amount of $ XXXX, I do not exactly recall the exact amount. 

The amount was paid prior to closing the account, as they wouldnt be able to close the account otherwise. 

Today XX/XX/XXXX, I received a call from an attorney, stating that I owe Wells Fargo {$3600.00}. It seems like they never closed my account, and let it sit to build up fees. 

I had an account with them for about an year or two, prior to closing the account. They are telling me the account wasnt closed until XX/XX/XXXX. 

I was never notified by Wells Fargo by mail, email, or phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

4. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX.
Product: Debt collection

Realtime Solutions and XXXX XXXX XXXX XXXX XXXX XXXX have started foreclosure proceedings for a loan from XXXX in XXXX XXXX XXXX on a property I live at XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The foreclosure date is XX/XX/XXXX. The statute to pursue this debt has passed. I was also part of a class action lawsuit because XXXX this is from XX/XX/XXXX " According to the complaint filed by the FTC, XXXX loan-servicing operation deceived homeowners who were behind on their mortgage payments into paying inflated fees fees that could add up to hundreds or even thousands of dollars. Many of the homeowners had taken out loans originated or funded by XXXX lending arm, including subprime or nontraditional mortgages such as payment option adjustable rate mortgages, interest-only mortgages, and loans made with little or no income or asset documentation, the complaint states. ''
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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Transfer Fund Act ( EFTA ) and Regulation E. These actions have caused Significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

The debt collector improperly reported an inaccurate debt to a credit reporting company without verifying the disputed debt in question.
Product: Credit reporting or other personal consumer reports

On XXXX Chase Bank gave out my credit information without my authorization to the SBA for a fraud loan in the amount of XXXX PPE loan according to SBA fraud department. The SBA told me I was a victim of ID theft. As a result, this dropped my credit score by XXXX points, and locked my credit report, checking account, and anything associated with my name. I have evidence to back all this. I had XXXX XXXX and they did not stand behind their product and put the freeze on. Today, I can not get open my credit to buy a car or anything. I filed a complaint against XXXX to no aval. XXXX will be next. At this time Chase is fully to blame.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, SC XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

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
Product: Money transfer, virtual currency, or money service

After having a Paypal account for many years, Paypal sent me an email stating " You can no longer do business with Paypal. '' Needless to say, I was shocked and upset when I found out this happens to many people trying to use their services for legitimate reasons. I have been a private tutor for the past 6 years working for a well-established company. I recently decided to branch out on my own and begin freelance tutoring. After the first XXXX clients paid me via Paypal I received this email. I spoke with a representative from Paypal today who has informed me they can not tell me the specifics of why my account is permanently limited. This pay platform is XXXX of the most trusted and used for my client base and I feel wronged for having my account closed. Paypal has also informed me they will hold onto the money in my account for 180 days then determine if I can have the balance due me. I am not sure what I can do as I am an upstanding person who pays taxes and lives by the letter of the law. I would love to be able to use Paypal again and find out why I was banned and rectify it as I am sure it is a mistake. Please if there is anything you can do to help me retrieve my funds or open my account again I would be very greatful. If nothing else, I hope this does not happen to others trying to run a XXXX person business.
Product: Checking or savings account

On our around XX/XX/XXXX, they released money to pay for my uncles cremation. That is the only money that I know they have released.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy my credit report and noticed I had fraudulent accounts on my report. Please Remove these accounts from my report, they are hurting my ability to obtain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Student loan

Hello. 

I have been trying to get in contact with NelNet loans since payments restarted. On and off on my days off, I have tried calling to speaking about a payment lower than what is offered online. I can not afford XXXX a month, but am able to pay XXXX. I do not want to go into forbearance or anything else as thats not benefiting me. 

I have also emailed and tried chatting into the company with no successfully response back. 

I would be happy to get call logs printed with times and dates called. I just am doing this on a whim and dont have that on me right now. 

If I am actually taken serious and can get help, I would love to make something work. This is not hurting my credit and everything else. Ive had YEARS of on time payments and thats what for my house. Now to think that could be ruined for another large purchase because of this company. 

Please help
Product: Credit card or prepaid card

I asked Chase to close my Chase XXXX ( XXXX XXXX ) Card in XXXX this year. I have had this card service for the last 6 or 7 years and decided to close the account because I no longer want to pay the annual {$95.00} fee that Chase charges. My annual renewal was to occur in XX/XX/2018. I have called Chase several times and although my account has been closed, my on line statement continues to show a delinquent balance of {$95.00} plus accrued interest of {$1.00} through the latest statement ( attached ). I am concerned that this may adversely affect my credit rating.
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 been violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXXXXXX has violated my rights 15 USC 1681 section 602A, States I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC ( a ) ( I ) 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

I do not consent to nor benefit from the furnishing of these unauthorized entries on my credit file. Pursuant to the Fair credit Reporting Act ( FCRA ) 15 U.S.Code 1681b its my consumer right to have these entries removed from my credit file. Block and remove these entries pursuant to 15 U.S. Code 1681c-2. Failure to comply is civil and criminal non compliance pursuant to 15 U.S. Code 1681n-o.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint as a follow up to the first Complaint I submitted requesting the Credit Reporting Agencies to remove the fraudulent account 's and information off of my Credit file. I sent a letter addressed to the Credit Bureaus on XX/XX/XXXX, to remove the accounts and inquiries that are UNKNOWN to me. I came across this law and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Reporting Agencies are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my first Complaints & I am including it again. I need the following items removed from my Credit File without delay : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX : {$1000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX CARD XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$550.00} XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. If the Credit Bureaus believe that the disputed items legally belong to me, I require the Credit Bureaus to send me copies of proof of verification or any documents they may find proving such claims. In the absence of such documents, I expect nothing but the immediate deletion of the items in dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you to dispute some errors I have found on my credit report. I have reviewed my report in detail and have identified several inaccuracies that I would like to clarify. 

First my current address is other, but the report lists an old address that I no longer use. 

I have also noticed that there are certain errors, considerably affecting my credit report in a negative way. This account is already closed, but I am reporting late payments, which there is an inaccuracy of the dates, so I kindly ask that it be deleted from my history. 

In XXXX it reports late payments in the months of XXXX, XXXX and XX/XX/2021, and in more another agency reports on those dates, and in XXXX it reports in the months of XXXX, XXXX, XXXX, XXXX. Which as you can see there was no late payment. 

For this reason, I kindly ask that this account be removed from my history which is found paid and closed. And it's only affecting me as a late payment. 

I attach to this letter copies of documents supporting my claim that show that the data on my credit report is inaccurate. 

I ask that you conduct a full review of my credit report and take the necessary steps to correct the errors identified. I appreciate your attention and I look forward to your response as soon as possible.