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

This is so annoying & frustrating. Ive sent EXPERIAN multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX  XXXX Date Open XX/XX/XXXX Balance {$0.00} and XXXX XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance {$0.00}.
Product: Debt collection

I am filing this complaint because WELLS FARGO have ignored my request to provide me with ALL documents that their company has on file that was used to verify the accounts I disputed. They only sent insufficient validation documents. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX, I am not able to access my file. Via clicking the link below it is not working. I t giving me an error. I self identified twice and I sent a request via email but the link it is not working. I am not able to access my file for the dispute. 

************************************************************************************************* Your most recent Equifax reinvestigation has been started. This process can take up to 30 days to complete. For faster delivery of your results, you can now receive the results of your investigation online. 
To accept receipt of the results of your investigation online, please click on this hyperlink : https : //www.OptinOnlineDelivery.equifax.com/optin/jsp/optIn.jsp? DATI=1a9b553e1828fcc8e3d2c6faec82c9c4 Any reinvestigation that you have created within the timeframe of this request will be available for your review online upon completion. 

We appreciate your help as we work together to protect our environment by going green and increasing your account security with electronic delivery.
Product: Debt collection

Subject : Request for Debt Validation Dear [ Debt Collector 's Name or " To Whom It May Concern '' ], I am writing regarding a debt you have contacted me about. Please note that this letter serves as my formal request for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). I do not acknowledge or accept any responsibility for this debt and request that you provide proper validation before I consider taking any further steps.

To validate this debt, please provide the following information : 1. Proof of the Original Debt : - The name and address of the original creditor.

- The date the debt was incurred.

- A copy of the original agreement or contract.

2. Debt Details : - The total amount of the debt, including a breakdown of fees and interest.

- Documentation showing that the debt collector is legally entitled to collect this debt.

3. Account Verification : - Proof that this debt is tied to my identity.

- Evidence of the chain of ownership if the debt was sold or transferred.

4. Proof of Licensing : - Verification of your agency 's license to collect debts in my state ( include state name ).

Please note that, under the FDCPA, you must cease all collection activities, including calls and letters, until you have provided sufficient validation of the debt. If you fail to comply, I will have no choice but to report this matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies.

Finally, this letter should not be interpreted as an acknowledgment or confirmation of any debt obligation. I look forward to receiving the requested information within 30 days of receipt of this letter.
Product: Mortgage

XXXX XXXX has tried getting a loan modification review completed with XXXX XXXX help for almost a year near. I 've been assisting her since the beginning and been using the Caliber email to submit all docs. In XX/XX/XXXX, they requested 30 days updated paystubs. XXXX XXXX sent those thru email on XX/XX/XXXX.  Then they said the file was " complete. '' Then they said that they needed another bank statement for XX/XX/XXXX-XX/XX/XXXX. We also provided that thru email XX/XX/XXXX.  Then they said they needed clarification on paystub, and we provided it XX/XX/XXXX. Then I asked for status update on XX/XX/XXXX and did n't hear back. I emailed them again on XX/XX/XXXX about this. And then again on XX/XX/XXXX. Then on XX/XX/XXXX I called them again and heard that the only thing they need is the letter of explanation she wrote just needs a signature ( which it had her name just left out a signature ), and then it will go to underwriting. I sent this over XX/XX/XXXX because I was out sick and out of office on Monday/Tuesday XX/XX/XXXX and XX/XX/XXXX. That means I only had ONE business day to get this in before they closed file since they told me that they closed it on XX/XX/XXXX! I  've been communicating with Caliber since the beginning and was NEVER told that the file was going to close if we did n't get it in by XX/XX/XXXX?? I actually have never been told ANY deadlines since the beginning of working with them. I am escalating for this reason. 

FYI : I have also many times tried to get status updates, but instead wait on hold for 30 minutes, and hang up because I ca n't get thru. It 's been very frustrating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried twice to have Equifax remove XXXX medical bills that belong to my sister, XXXX XXXX XXXX XXXX. I personally called the recollection agency and checked to see if the bills were listed under my sister 's SSN and not mine. They informed that the bill was associated with my sister 's XXXX. The bills date to XXXX and XXXX XXXX. XXXX is for ambulance service totaling {$1500.00} and a medical bill XXXX {$640.00} XXXX for XXXX XXXX, both in Louisiana. I have told Equifax that because my sister and I have similar first names, someone at Equifax got us confused and placed the medical bills under my name. But if they would check the XXXX 's, they will see that the bills are not associated with my XXXX. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I have a mortgage with BB & T and despite having a condo Flood insurance policy, the mortgage company has been charging me flood insurance. 
Multiple calls confirming that I do have insurance have been unsuccessful. The last attempt on XX/XX/XXXX confirmed that I did indeed have insurance and I was promised a revised billing schedule and a retroactive credit and adjustment based on the fact that I had incurred unwarranted monthly charges starting in XX/XX/XXXX. 
On XX/XX/XXXX, I received a letter stating that my last mortgage payment was short by {$150.00}. BB & T is not acting as normal lender but like a debt collection agency more interested in collecting insurance and late penalty than servicing their customer 's loan.
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 fruad on theyre platform, leaving my account vulnerable and unproctected. These actions have caused significant inconvenience and financial loss.
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 AUTO : # XXXX, XXXX XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX  XXXX : # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) : XXXX XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX BANK XXXX XXXX XXXX ) : # XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX. XXXX ) : # XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX 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 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

I've tried several attempts to resolve this matter with the company listed below. After several attempts I have been forced to file a police report and also seek legal advice against the account listed. 

XXXX XXXX., XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , XXXX,  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX In addition please find attached a copy of the police report and DC number that was provided to me when report was filed. In addition I would like these accounts to be removed from my credit report. As I have asked before. 

These accounts are part of fraud and should be removed from my credit report immediately. Per Federal Guidelines in 603B letter when ever there is fraud on your credit report is shall be removed with in 4 business day.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information contained in my credit report. Upon thorough review, I have identified several inaccuracies that have not been rectified despite previous attempts to address them. 

I have diligently followed the dispute process outlined by your bureau, providing supporting documentation and explanations to support my claims of inaccuracies. However, despite my efforts, the errors persist, and there has been no resolution. 

It is imperative that these inaccuracies be promptly addressed and corrected to ensure the accuracy and fairness of my credit report. I kindly request that you conduct a thorough investigation into the disputed items and take the necessary steps to rectify the errors. 

I appreciate your attention to this matter and request regular updates on the progress of my dispute. Your prompt action in resolving these discrepancies is crucial. 

Thank you for your cooperation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under the Fair debt collection practices act as well as the fair debt collection practices acts have been violated by these companies in the following ways : XXXX. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
XXXX. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
XXXX. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. And they do NOT have my permission to put this on my report.
Product: Debt collection

I am in the process of buying a home. I received a notification XX/XX/XXXX stating that I owed a debt amount of {$830.00} to CONSUMER ADJ CO. I do not nor have I ever had a loan with this company. I do believe this is identity theft. I never received any correspondence from this company as they alleged. I reported this unknown account to the complaint.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX was deleted from my Equifax Credit Report on XXXX 2016. I checked my XXXX XXXX reports and those XXXX accounts are reporting once again. This is a back and forth problem with the credit agencis it should be some kind of rules and regulations.
Product: Credit reporting or other personal consumer reports

I never authorized nor signed any documents for this company to collect any debt. According to 15 USC 1681EB You are suppose to assure maximum possible accuracy. This account is not accurate according to the Fair Credit Reporting Act. 
Delete account immediately for violating XXXX5 USC 1681EB!
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent {$100000.00} to the XXXX XXXX XXXX for service for a trade transaction I thought I was doing business with a real company which is why I transferred via BMO Harris Bank. In addition, on XX/XX/2022, this company requested an additional fee and I sent an additional {$56000.00} to the XXXX XXXX again via BMO Harris Bank. The XXXX XXXX XXXX is a fraudulent company BMO Harris Bank is apparently enabling their illegal activities. I have gone back and forth with my bank and BMO Harris bank. BMO Harris Bank refuses to cooperate in rectifying this matter with my bank and my bank is telling me to contact XXXX XXXX XXXX which is a total fraud. 

Recently, a business colleague of mine got an invoice from another company however the receiving bank account was the same exact XXXX XXXX XXXX at the BMO Harris Bank. Overall, XXXX XXXX is allowing the XXXX XXXX to commit criminal activities within their esteemed financial institution.
Product: Credit reporting or other personal consumer reports

In XX/XX/, I applied for an XXXX XXXX Credit Card with XXXX XXXX. 

Once approved, I linked my account with another persons account. Doing this, created an ongoing issue. Ive never been to use the account. The other account holder is the only XXXX who was able to use the account. 

Despite numerous calls to both XXXX and XXXX XXXX over XXXX  months, the issue remains unresolved. I couldnt use the card, add it to my phone via the app, and theres an inaccurate duplicate account report to credit bureaus affecting my credit score. Ive filed several disputes with all XXXX  credit bureaus, asserting the inaccuracy of the reported duplicate account. However, their investigations consistently claim the information is accurate, despite the evident error. 

This has resulted in a significant impact on my credit score, and neither XXXX nor XXXX XXXX has attempted to resolve the problem in over a XXXX.
Product: Debt collection

I have mailed in 2 separate debt validation letters to Portfolio Recovery Associates for Account # XXXX & # XXXX requesting that they provide me with information as to what these accounts are for. I have requested that they provide me proof of where I had an agreement with them or an line of credit, as I have not. They have mailed me nothing but photo copies of some statements that XXXX knows whose they are. I am requesting they provide me physical proof that these accounts are mine. I don't understand how they can just buy someone's debt with no proof. I've done my research and hear that this is quite common for Portfolio to purchase debt from creditors with no valid proof so I am a bit baffled.
Product: Mortgage

This is the second complaint against this company. What is being conducted is this Company is asking for new documents even though the same documents were emailed to this company and they received them. This is a continued and direct process to not do a loan modification. This company is continuing to conduct a REPEAT CYCLE of asking for the SAME DOCUMENTS they already have in their possession. Now this is what this company is doing in an effort to deceive and lie and continue to REFUSE to give me a LOAN MODIFICATION. But the unbelievable part is how their employees are scripted to try and get you to state you need to go into a fore bearance. I applied for a Loan Modification. This is their REPEAT CYCLE now : 1. Sending notification that ALL DOCUMENTS were received and it will take up to 30 days to make a decision. 2. Having strange people taking pictures of your house, over and over and when questioning the person as to why they taking pictures again, the answer is I dont know why the Mortgage Company is taking so many pictures. This is straight up harassment. 3. I get a notification with pictures of other homes with what the prices are in comparison to my home. Cycle starting over again- now asking for repeat documentation that was ALREADY accepted, now wants new updated. 4. And now a new one : Documentation that my Husbands Social Security is being deposited, although this was sent on XX/XX/21. And the cycle continues over and over. I will continue to pay my mortgage although late. What they gon na ask for next that they already have? This is the 19th repeat cycle this company has conducted. As you can see the 30 DAYS STARTS OVER FROM DATE THEY SEND ANEW MISSING DOCUMENTS NOTIFICATION.
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 XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX/XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting, credit repair services, or other personal consumer reports

am a victim of identity theft please remove this fraud inquiry from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

my transunion credit score was lowered by 46 points because of one hard inquiry by XXXX XXXX which I received their credit card. I was told 10 points at the most. 
I think this is a unfair score drop. Went through a bankruptcy over two years ago I have no debt all bills paid on time, all large purchases paid by cash. Trying to build my credit back for I can purchase a house. Unfair Ty
Product: Mortgage

I requested PNC bank discontinue escrowing for insurance and taxes on loan number XXXX. They would if I paid them {$200.00} to stop the escrow. This is an example of a predatory lender charging unnecessary fees, I want to pay my own taxes and insurance and not have to pay {$200.00} to them to do so.
Product: Credit reporting or other personal consumer reports

Plaza Services This is considered a RE : Investigation and not a duplicate complaint for the same issues. I have included updated information ; and also advised of failures that are still affecting current consumer report. Please delete account Plaza Services Account XXXX XXXX  for violations of FCRA XXXX XXXX for RE : Insertion of Account with no notice within 5 days of Re : Insertion. Plaza Services is violating specific laws continuously 15 USC 1681 ( XXXX ) ( B ) Accuracy of Report According to XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws 15 USC 1681 ( i ) ; 15 USC 1681S ( XXXX ) ; 15 USC 1681 ( i ) XXXX ; 15 USC 1681 ( XXXX ) ( B ) I have included copies of credit reports to show that the accounts have been reinserted. 

This is a last ditch effort. I have filed multiple complaints with the XXXX CFPB, and, XXXX, XXXX XXXX, and Plaza Services XXXX.
Product: Credit reporting or other personal consumer reports

I disputed an account and pulled my report to see the result of the dispute because i received information that it was verified. As i pulled this account, i noticed several inaccuracies that still exists on this account which informs me that it was not a thural investigation into this account. Its my understanding that the Credit Bureau will investigate this account for me and insure maximum accuracy. As i'm looking at this account, im looking at several inaccuracies and none of the inaccuracies has been investigated or corrected and has been deemed validated. Here is the account im asking you to verify as accurate as they NOT seem to realize many inaccuracies. XXXX XXXX XXXX