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

Dear CFPB, I am writing to express my extreme dissatisfaction and request immediate action regarding the ongoing failure to for the credit bureaus to be addressing the fraudulent accounts, inaccurate information, and the resulting negative impact on my credit reports. The repeated negligence from these companies in handling this situation is unacceptable and constitutes a clear violation of the Fair Credit Reporting Act ( FCRA ). 

Background : In XXXX of XXXX, I submitted detailed disputes outlining fraudulent accounts on my credit report. 

To support my claims, I provided extensive documentation : A copy of the Federal Trade Commission Identity Theft Report ( FTC Report ) filed on XX/XX/XXXX and again on XX/XX/XXXX An affidavit outlining the fraudulent activity. 

Additional documentation which includes information from text messages that took place with the caregiver of my children who opened these fraudulent accounts and made it appear as if myself and significant other are to be at fault. 

Unacceptable Response : The continued presence of fraudulent accounts after I have provided substantial evidence on multiple occasions is a gross violation of the responsibilities under the FCRA. This negligence severely damages my financial reputation and well-being. 

Specific Issues : XXXXXXXX XXXX actions, including their refusal to acknowledge the fraudulent account, have resulted in a significant decline in my credit score. This has caused my credit score to go from XXXX down to below XXXX. 

XXXX XXXX  : This account was removed, however the debt XXXX account is now showing on my credit reports. 

XXXX XXXX : Account shows removed, yet remains on credit report. 

XXXX XXXX : Account is current and has not been updated since XX/XX/XXXX. Showing past due payments from end of XXXX as being a negative item on my report. XXXX XXXX adjusted these past due payments and removed them as being past due after caregiver had stolen funds out of my checking account. Therefore this account should not be reported as past due. 

XXXX XXXX : Account says removed from credit report, yet it still showing on report. 

I have disputed all of these accounts with all credit bureaus numerous times and they are still not being handled in the proper manner. I have submitted proof to the credit bureaus numerous times, as well as to the creditors themselves. Yet these accounts are still being shown as mine upon them being fraudulent. These accounts have caused a SIGNIFICANT decline in my credit score.
Product: Mortgage

SPS Select Portfolio Servicing Department is not analyzing my income correctly and does not ask for any additional information to clarify 1. how are they calculating my net income without all net deposits from my paystub being included ; 2. How is my net income of {$100000.00} not adequate for a repayment plan or modification when the documented net income is 3x the amount needed to qualify for a mortgage payment equivalent to my balance owed.

3. what payment was calculated as not reasonable or affordable?

4. how much more money is needed to be paid on a payment plan after the {$20000.00} that I paid was not properly applied to the principal and interest amounts that are required by law 5. what other financial documentation is needed to verify my income as none has been provided? 

6. What happened to the latest paystubs, W-2 's and notes on pay sent in XX/XX/XXXX and again on XX/XX/XXXX, now being sent again, as your letter of XX/XX/XXXX is using information submitted in XX/XX/2019 versus the latest information provided
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Equifax Information Services XXXX LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Dear Equifax I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.

including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX : Account number : XXXX, -. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 

XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, -. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately. 

XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX | XX/XX/XXXX : Account number : XXXX, -. I have no recollection of authorizing this credit pull and I demand this to be removed. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 
Your company is harassing me by calling me multiple times a day via telephone number XXXX ( XXXX ) XXXX. 
Friday twice on Tuesday. This is uncalled for and unacceptable. I put a screenshot as an exhibit A.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : On XX/XX/2022, an unknown entity - XXXX ( Miscellaneous ), ran my credit without my consent. 

Please remove, this unauthorized information from my credit. 

Thanks!
Product: Money transfer, virtual currency, or money service

Someone that I used to talked to, his brother stole my card, I comforts him about it but he blocked me from my personal phone number, etc. the amount of money his brother took was XXXX $
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 alleged identity theft, no later than 4 business days after the date of the receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my credit report and I noticed that a few 30 days late payments that weresupposed to be removed ON MY XXXX XXXX XXXX XXXX. The dates were XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX my income was affected due to the COVID-19 Pandemic shut down. I am in themiddle of moving and this alate mark is preventing me from moving into a new apt . I wasunder the COVID-19 SHUTDOWN and I believe I can use some help with the remove of thelate payments I am currently full current yet the late marks are killing my credit score I coulduse some accommodation to help protect my credit .The CARES Act calls these agreementsaccommodations. My SS XXXX DOB :XX/XX/XXXX. I had to move do to job loss and never had a bill update.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Experian has cause me a lot of pain and grief due to wrong information on all three credit reports. I have accounts that should be closed with XXXX balance owed for XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. Because these three credit reporting agencies has caused me not to be able to get credit. In the beginning I had a XXXX Credit Score now my Score is XXXX.

I want all three credit reporting agencies to correct my Credit Report so I can get the Credit I deserve. 

Waiting for your reply. 

XXXX XXXX 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 seven 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

XXXXm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CO XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX Balance : {$610.00} 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I placed an order on www.aliexpress.us for an XXXXXXXX XXXX to be delivered from XXXX. 
The total amount paid was {$830.00}. 
{$520.00} was paid from my PayPal account and {$300.00} was placed on my XXXX credit card. 
As the merchandise was never delivered to my address, I contacted the seller in XXXX through XXXX but received standard cloned responses to look in your neigborhood?! 
XXXX confirmed that the delivery address was different from my address! 
I requested a refund from my credit card and received it within week. 
PayPal however refused to reimburse me {$520.00} paid from my cash account, demanding that first, I would have to cancel my dispute with my XXXX card which was already refunded. I refused. 
After an hour long completely unproductive phone conversation with a PayPal representative and just in a couple days, I was informed that my dispute with PayPal was denied ( no written communication, no letters explain XXXX the reason for denial ). I asked for a customer complaint resolution or an appeal center, but was told that it was PayPal policy not to reopen any disputes?! and not to have any further way of contesting this denial decision. I want {$520.00} to be paid to my cash account with PayPal
Product: Debt collection

XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ERC XXXX} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked  information. 
The reference items are listed below please take this matter very serious ERC I have report your company to XXXX As a form of record and I am prepare to sue your company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the XXXX XXXX XXXX for the XXXX XXXX XXXX XXXX XXXX collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Debt collection

This is my second complaint against McCarthy, Burgess & Wolfe. After more than 4 months to send some statements in the mail not proving anything but someone charged a single charge on the card. It did n't prove anything else. They did n't even send an agreement between the business and XXXX XXXX. Their only concern is collecting money on a debt that they purchased from XXXX and it does n't matter that I do n't owe it! This company is trying to collect a debt that I originally disputed with XXXX XXXX XXXX. I never used or activated the credit card but they let someone charge a {$800.00} charge on a card that was never activated and I explained that to XXXX at the time. My question was how can you let someone use a card that was never activated and why are you trying to insist that I pay for a charge that I did n't make and I disputed with the company! I blame XXXX because the card was never suppose to be used without activation first! I tried to solve the matter with the representative but she told me that it did n't matter if the card was activated or not, it was used! I was shocked because for one I did n't make the charge and for two why bother with security and activation process when someone can use the credit card without the owner or company representatives activating the card. This is my second complaint because this collection company sent me copies of statements in the mail claiming that 's verification that I owe this business debt. But it 's not proof that I owe the debt! There is no signatures from company representatives, no activation process, and the charge was n't related to anything with the business. It was only one charge on that card and like I stated previously, it was disputed because it was n't mine and they should n't have let it be charged in a card that was not ever activated by me to authorize use! I also asked the collection company for the agreement between them and XXXX to even be able to contact me about this debt with the amount they purchase the debt for if any.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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: Debt collection

There is a debt collection on my credit report by ABSOLUTE RESOLUTIONS 1. It shows that it's in " active debt collection, '' but the collection amount shows {$0.00}. I paid off the debt in satisfaction to the debtor. It even shows that I paid {$25000.00} and it has been 100 % paid off. Please help me resolve this.
Product: Mortgage

Dear Chase, thank you for your response that was provided in Ref : XXXX. 
Here is more detained information provided about the loan issued by Chase as a lender : The loan has been provided to meet the home insurance requirement needed for the lender ( Chase ). The Chase Group that utilized the loan information is below : Chase Home Finance LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX This has been recorded in Mers as well, prior to 2010. 

If you still can not locate the loan in next couple of weeks, please let me know. I will be filing a civil claim against Chase, where I would subpoena Mers to get the more detailed information on the loan, to make sure you would be able to locate the account in the Court. Thanks in advance.
Product: Money transfer, virtual currency, or money service

I am filing this complaint regarding a fraudulent Cash App account and a debit card that were opened in my name using my stolen Social Security Number ( SSN ). The scammers who opened the account used their own phone numbers and emails, and I had no involvement or knowledge of this activity. 

After receiving a debit card which was sent to my address today ( XX/XX/year> ), I immediately contacted Cash App to report it and requested that they close the account. However, Cash App has refused to close the account unless I provide the phone numbers and email addresses used by the scammers, which I do not have. I have provided Cash App with documentation proving the identity theft, including an FTC Identity Theft Report and a police report, yet they have not taken action to resolve the situation. 

Cash Apps refusal to close the fraudulent account despite clear evidence of identity theft is putting my personal information at continued risk. This lack of response and assistance in resolving the fraud is deeply frustrating and concerning.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly on my personal credit report the Chapter XXXX corporate re-structuring Bankruptcy. This credit report should only include a personal credit history and nothing associated with the Chapter XXXX re-structuring Bankruptcy. ( Please see page 17 of the attached credit report. ) This incorrect reporting is harming my credit score. Please delete these line items from my credit report.
Product: Mortgage

I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX I had XXXX in usd as well as coin in a coin base account. I tried to add photo id to my profile and their system malfunctioned- or perhaps functioned purposefully - and it locked me out of the financials of my account. I have desperately trying to call them for 4 days. No answer no return call. All they allow is email and all you get back are autoreaponders! I want my money back! Please help me Go on XXXX to research this issue. Hundreds of people are reporting this exact same experience with coinbase!