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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER XXXX USC XXXX C-2 STATES 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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX  XXXX XXXX XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit card

I got an alert on my XXXX credit report that someone opened a discover card in my name on XXXX. I am not sure if they used my maiden name XXXX XXXX or my married name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has sent me 12 letters in regards quote : TO PROTECT ME THE CONSUMER THEY CANT GRANT ME DISPUTE REQUEST TIL NI SEND THEM PROPER IDENTIFICATION there XXXX  and responses are frivilous I sent them Passport State ID and Copy Of My Bank Statement as well attached again with this CFPD Complaint since I have 22 open complaints against XXXX XXXX TransUnion at CFPB lack of responsabilitys to enforce I am asking all 22 open cases to be closed as I have exhausted myself with this XXXX XXXX XXXX XXXX XXXX agency CFPB and exerciscising my right with Attorney to represent me, attached is my last of many open complaints here AGAIN FOR THE RECORD PASSPORT STATE ID AND BANK STATEMENT ( TRANSUNION JUST GOT ADDED TO THE LAWSUIT ) CFPB PLEASE BE ADVISED IAM GATHERING INFORMATION TO SEE IF I CAN ADD AS WELL you have closed and responded many and tagged it as duplicate THESE 3 CREDIT BUREUS AS WELL AS ME XXXX XXXX XXXX XXXX XXXX AND THESE 3 IN REGUARDS NO HOW TO MANIPULATE YOUR SYSTEM the attached is AGAIN proof that TransUnion as well XXXX responses are not alone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhey can do what ever there hart desires CFPB YOUR NOT AT ALL HERE TO PROTECT US YOUR JUST A MIDDLE PERSON PROVIDING PUBLIC INFORMATION were investigating if your even publishing this XXXX SEE ALL LIABLE IN COURT MARK MY WORD
Product: Mortgage

I believe I qualify for a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The purpose of the fund is to give monetary mortgage relief to qualified applicants who were financially impacted by economic effects of XXXXXXXX XXXX Due to the XXXX XXXX XXXX XXXX XXXX XXXX I was unable to pay my property taxes for XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) paid those XXXX due in the amount of {$10000.00}. The servicer of my XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) claims the amount paid by XXXX is {$10000.00}, but their tax records are inaccurate & incomplete. The mortgage servicer at the time I applied for XXXX was NOVAD Management Consulting LLC. NOVAD sent me a Due and Payable Demand after my XXXX request for assistance. If my XXXX application was approved, funds to clear the debt would have been sent directly to the mortgage servicer, NOVAD. My application was cancelled because NOVAD refuses to participate in the federal mortgage relief program, thus denying me access to federal relief funds that would pay the debt to XXXX in full and remove my property from a Due and Payable status. XXXX was NOVAD 's employer at the time of application, thus denying XXXX a {$10000.00} repayment. NOVAD lost their federal contract to service XXXX assigned XXXX effective XX/XX/2022, due to their incompetence, fraud & extortion, which left my XXXX XXXX XXXX in shambles.
Product: Debt collection

WHEN CHECKING MY CREDIT REPORT TO QUALIFY FOR A MORTGAGE IT WAS DISCOVERED THAT THERE WERE SEVERAL ACCOUNTS ATTACHED TO PLACES I HAD NEVER LIVED IN XXXX XXXX NC DATING BACK APPROX. 6-7 YEARS AGO. DATE OF DISCOVERY WAS XXXX XXXX, 2020. I IMMEDIATELY FILED AN FTC REPORT AS I DO NOT LIVE IN THAT STATE AND LOCAL LAW ENFORCEMENT DIRECTED ME TO FTC WEBSITE. SINCE THEN I HAVE SUCCESSFULLY REMOVED ALL BUT 1 ACCOUNT : BULL CITY FINANCIAL, WHO IS TRYING TO COLLECT FOR XXXX XXXX. I SENT THEM A COPY OF THE FTC REPORT AND CALLED THEM MULTIPLE TIMES. INSTEAD OF ACKNOWLEDGING A GOVERNMENT DOCUMENT THAT I HAD TO SIGN THAT I WAS TELLING THE TRUTH THE TOLD ME I HAD TO PAY THE BILL OR DRIVE TO XXXX XXXX  NC AND FILE A LOCAL POLICE REPORT IN PERSON AND SUPPLY DOCUMENTATION OF EVERYWHERE I HAVE LIVED IN PAST 7-10 YEARS. LOCAL LAW ENFORCEMENT TOLD ME THEY SHOULD HAVE RECOGNIZED THE DOCUMENT AND I SHOULD CONTACT YOU AT THIS POINT. i HAVE SINCE UPDATED FTC REPORT WITH THE 1 OUTSTANDING ISSUE AND ATTACH A COPY TO THIS COMPLAINT
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

hello, I have a first mortgage with wellsfargo, i was unable to pay my mortgage from XX/XX/XXXX of this year to XX/XX/XXXX due to lack of employment and or low income employment I went through a " loan modification '' process with wells fargo the during the modification process I informed wellsfargo that I secured a full time job with the XXXX paying a good salary and my start date is XX/XX/18 for some reason they did not submit my offer letter with the modification and told me I was denied modification and would have to go through the process again. I went through the modification and also submitted the offer letter as well as a pay stub. I was told I was denied modification because the " investor '' does not allow a second modification with in a 5 year period, I asked them why did they not tell me this from the beginning? they stated they are not allowed to. the income that I am making plus my rental income will more than enough cover any modification they may have, I even asked them how about a separate payment plan to pay of the XXXX balance which I can do in 16 months. they did not respond to that. they ask me if I want to keep my place but it seems they are not trying to help me keep my place. please help!
Product: Credit card or prepaid card

I have been a member with this company for about 7 years and have not received approval for credit limit increases.I have great payment history with them and feel like i've been discriminated against even though I have had multiple increases in my salary since started a relationship with this firm. I have received multiple adverse action letters from this company! while I have 2 accounts from them!
Product: Credit reporting or other personal consumer reports

VALIDATION AND CEASE AND DESIST Collection agency name : XXXX XXXX XXXX Address:XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX MI XXXX Account number : XXXX Your NAME : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, MI XXXX Dear XXXX XXXX  XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.
Product: Credit card

I was a customer of Ava XXXX who used their product to improve my credit score. I made some installments and, after deciding to cancel the service, I requested a refund of the remaining balance of {$270.00}. 

Since XXXX XXXX, 2024, I have been trying to obtain this refund, but Ava XXXX has been unable to process it. They have attempted to make a deposit in all of my accounts, citing security issues as the reason. However, they have informed me that they can not proceed with the deposit due to these security concerns. 

Instead of providing a refund, Ava XXXX has offered me a gift card as a form of compensation. This gesture is unacceptable and has been ongoing for over XXXX  days.
Product: Debt collection

An account with the company XXXX was opened in my name in XXXX of 2014 according to the debt collection company AFNI. The origin of this account was based in XXXX, however I lived in XXXX, so this could not have been me. I have contacted XXXX and gotten a letter verifying that they looked into this, and determined it was fraud, and therefor I owe nothing nd the account needs to be closed. AFNI continues to send me letters and ignore the information I have given them several times. hey REFUSE to contact XXXX and close out this false debt against me.
Product: Credit reporting or other personal consumer reports

Someone tried to apply for a credit card on XX/XX/XXXX in my XXXX married name of XXXX. I need to know how I go about getting this removed. And flag my account please.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my Experian, XXXX and XXXX credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are : 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

I contacted in United Revenue Corp in XXXX and XXXX of XXXX via a registered letter requesting verification of the debt they have reported on my credit bureaus from XXXX. My request included a full statement of charges and a copy of the HIPPA release letter with my signature. United revenue Corp. refused to provide me with my HIPPA release letter and a full breakdown of charges. They sent me a letter that was photocopy letter showing the charges twice. The billing issue s inaccurate and they refuse to verify it is my debt. Attempting to collect on a double billing. I contacted all three credit bureaus to have an investigation and have it removed for an accurate billing and incorrect information.
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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and 49 financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding out about the Equifax data breach on XX/XX/XXXX I wanted to find out if my data was impacted. I visited the dedicated website set up for the breach at www.equifaxsecurity2017.com and found a section for finding out if your information was impacted. The page had the following instruction. 

1. Click on the below link, Check Potential Impact, and provide your last name and the last six digits of your Social Security number.

2. Based on that information, you will receive a message indicating whether your personal information may have been impacted by this incident.

3. Regardless of whether your information may have been impacted, we will provide you the option to enroll in XXXX XXXX. You will receive an enrollment date. You should return to this site and follow the How do I enroll? instructions below on or after that date to continue the enrollment and activation process. The enrollment period ends on Tuesday, XX/XX/XXXX. 

I filled out the form to find out about my information, but instead of being told if my data was compromised or not, I was given a screen showing that I was enrolled in the XXXX program. I was not given an option as stated in instruction # 3. I DO NOT want to be enrolled in this program and I DID NOT agree to the terms or give consent to be signed up. Upon calling the number listed on the page as the dedicated line for this data breach ( XXXX ), the system automatically hung up on me several times after informing me I was calling outside business hours even though I was not. On XX/XX/XXXX, after several days of trying to call the hotline, I finally got through to an agent. The agent immediately connected me to a supervisor who proceeded to tell me that they have very limited info and all they do is tell people to look at the website. He then told me to XXXX the Equifax number and call them. I called Equifax at XXXX, but was told I need to contact XXXX for XXXX questions. I called that number and was told to call XXXX. When I called that number, the system told me that it was outside business hours, told me I could leave a voicemail and then hungup on me. 

To reiterate, I DID NOT agree to be signed up for XXXX  and I DO NOT want this service.
Product: Debt collection

I am, XXXX XXXX consumer and natural live in person submitting this complaint and there is no third party involved. I received a email from PayPal stating that they were giving my personal information to a third party debt collector. PayPal has committed fraud and I did not consent benefit and authorize this action.
Product: Debt collection

I have been receiving numerous phone calls from XXXX they never leave a message. A quick web search Identified the company. I have answered XXXX of the calls, but no one was on the other end. I have attempted to return the call but the person that answered could n't help me without my account number. 
I did weeks later receive a bill from them, which I logged onto their web site, and set up a payment arrangement for. I agreed to allow them to debit my credit card {$100.00} per month, and provided them the card number. The debited the card as agreed the first month, and XXXX each subsequent month.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to REMOVE any inquiries listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and I noticed a fraudulent account on my report. Please remove the fraudulent account on my credit report as it is hurting my ability to obtain credit. Thank you!
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-Debt 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 account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX  XXXX BALANCED {$480.00}
Product: Credit reporting

Tranunion has " XXXX XXXX '' listed as an employer on my report wich is incorrect.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

There is a debt on my report im not aware of, have NOT received any contact on and this is from XX/XX/2011 so its beyond to old to be placed on my account. Another fraudulent collextion agency doing illegal practices
Product: Credit reporting or other personal consumer reports

I have lost count of the number of letters I have sent to your bureau regarding my status as a victim of identity theft, as my concerns have yet to be fully resolved. Once again, I am disputing the fraudulent information that is adversely affecting my credit file. Despite my submission of the required FTC complaint, your bureau continues to report these fraudulent accounts on my credit report. I want to emphasize that I have already contacted the banks associated with these accounts, submitted the necessary documents, and had the accounts promptly deleted from their records. Moreover, other credit bureaus have already removed these accounts from their records following the submission of the FTC complaint. Therefore, I am curious about the verification process your bureau employed to continue reporting these fraudulent accounts. So please DELETE the accounts from my file! 

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

I submitted a letter to the 3 Credit Bureaus to update 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 complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$410.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$630.00} XXXX XXXX XXXXXXXX Balance : {$210.00} XXXX XXXX  XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Balance : {$400.00}
Product: Credit reporting or other personal consumer reports

I pulled my reports and seen that account was reporting that I am not aware about - I did send out multiple letters to the company along to all 3 credit agencies to verify this information- I keep getting pregenerated responses from the agencies which is insane- I have provided all proof that Is needed to get this removed from my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate information with Equifax and XXXX  reporting agencies on XX/XX/2020 by mail. I sent proof from bankruptcy court and also received mail with information that been claimed is mines with another person name and phone. Im contacting to get help with this matter
Product: Mortgage

Got behind in our payments, Owcen offered to do a loan modification under HAMP, but would not disclose the terms until we signed the paperwork. We did not actual fill out an application, only the form that says we are not trying to defraud the government. Received the loan modification papers today, and they did lower payment from XXXX to XXXX and also lowered rate from 8.5 to 5.0 on our {$120000.00} mortgage ( our home is worth about {$300000.00} ). They included a BALLOON payment at the 214 months end of the loan term for {$90000.00} which means we are really refinancing {$120000.00} + {$90000.00}.. This seems outrageous and should be illegal if it is not, especially using GOVERNMENT FUNDS to finance this loan. Please investigate!!!!.