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

I sent a legal affidavit certified mail to the mentioned company. I have disputed this item a few times in the past. Therefore, an affidavit was needed with this dispute due to lack of transparency in previous disputes, the affidavit stated a response within 10 days was needed. This is a legal document and can be used as evidence in the court of law. I have receipt from USPS mail the document was received on XX/XX/XXXX. I have never received a response! 
This company has inaccurately reported info on my report and while doing that the company as well is committing tax fraud at the same time. 
I contacted company via phone XX/XX/XXXX and was aggressively verbally attacked by Manager believe name was XXXX in Recovery Department. I asked to speak to Legal Department in which he claimed did not speak to public as well he claimed no document from me was ever received.This is a clear violation of my rights under The FCRA to obtain a fair investigation to any concerns of reporting I see to be either unaware of or concerned about accuracy on my consumer report. As well I sent disputes to XXXX and XXXX in regards to this company at same time. They have both responded with verified. I am really curious how they verified any info seeing it as Company never responded to my Legal Affidavit. These CRA are accomplice in false inaccurate reporting. This company is reporting a charge off with a balance which under federal law is false and tax fraud due to charge off debt being instantly converted into income. Income is not reported on consumer reports. Every correspondence I have sent out has been Notarized and Certified Mail. I am concerned with all parties handling a correct investigation into this matter. It has caused me a lot of anguish this reporting.
Product: Money transfer, virtual currency, or money service

I am filling 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 financial loss, I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I seen multiple hard inquiries on my trans union and XXXX accounts which m not recognizing. I already have credit cards from them e.g XXXX and XXXX XXXX. I would appreciate if these inquiries could remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO APPLY FOR ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX  and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

This item just recently appeared on my report Midwest Recovery. I don't have any idea who XXXX XXXX XXXX is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an unknown account on my credit report Capital one Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Equifax credit bureau to dispute an account reported in collections, that had already been deleted in XX/XX/XXXX. 
I spoke with the representative, and she agreed that she saw that the account had been deleted a year ago, due to fraudulence. She reviewed that I sent in a letter a long with the police report. 
She then told me that they would have to reinvestigate. Of course I was confused, but I allowed it. 
This morning XX/XX/XXXX, I spoke to another associate ID # XXXX she stated that they verified the account. 
I asked her what was used to verify the account. 
She stated that the furnisher provided the correct balance and name on the account. 
Being that I am claiming the account is fraudulent, I asked if the furnisher provided proof of contract with my signature and proof of Identification. 
She stated that they DID NOT provide such proof. 
She then demanded that I send all the information SENT LAST YEAR, AGAIN, because they no longer have all the documents Sent prior, that caused them to delete the account in XX/XX/XXXX. 
I find this to be ridiculous! I recently had to have other aliases and addresses from my report that did not belong to me. They also do not have all the positive accounts that belong to me on my report with them that appear on XXXX and XXXX. 
( This is clearly an error on their part due to a partial reinvestigation, and continuing to allow false information on my reports. Which I failed a claim on the data breach suit. ) When I asked to speak to someone else, she told me that she has no legal department for me to speak to. She then told me she would have to disconnect call, when I asked for her associate ID, because I had her on speaker phone. ( while sitting in my car alone ).
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong information on my credit report regarding XXXX account and XXXX XXXX  XXXX XXXX card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XX/XX/XXXX.
Product: Credit card

Back on XX/XX/23 my credit card was used for about a week multiple times for unknown user and unauthorized. Took the credit cards company about a week to realize that the use on my card was suspicious. After two months of investigation they came up with I was responsible for those transactions because my card was used at the time of the transaction. My card maybe cloned because I didnt do does transactions. I requested to speak with a supervisor an its been a month and I still waiting, I filed a police report and the credit card company its getting back to me with that information. I have been trying to get in touch with the person investigating unsuccessfully despite my multiple tries.
Product: Mortgage

In 2020 we applied for a mortgage forbearance with Amerihome due to financial hardships caused by Covid-19. We were approved and paused our mortgage payments for 6 months, then got approved for up to a year. After forbearance was over, we applied for a loan modification. The modification came back and the mortgage was too high, so at that time our situation had not gotten much better and we denied the offer and reapplied. The company continued to ask for copies of the same documents over and over and each time they would " close '' the case, claiming they did not have the documents they needed. We have submitted everything they've asked for each end every time, yet they continued to claim they did not have the documents. We have applied numerous times, and each time it's something different. At one point they had put in the information that my spouse had passed away, which was inaccurate. This has become an absolute nightmare and this mortgage company is either grossly incompetent or purposely stringing us along so they can take our home. We were approved on XX/XX/XXXX for a loan modification and were told we could start our mortgage payments on XX/XX/XXXX for {$2200.00}. We received the paperwork on XX/XX/XXXX, and on XX/XX/XXXX we sent all the documentation they requested via XXXX. On XX/XX/XXXX the lawyer received notice that the mortgage company claimed that the paperwork they received was a photocopy, which was not true, then they claimed they didn't get it at all. XXXX shows that they signed for it on XX/XX/XXXX. As of XX/XX/XXXX, the permanent documentation was still in review. On XX/XX/XXXX they declined to state the documents were copied again. The " copies '' they are referring to were copied on their end and we sent back exactly what they sent us. We attached new documents on XX/XX/XXXX which were delivered on XX/XX/XXXX. We called the mortgage company on XX/XX/XXXX to make our payment, as per the lawyer 's office, and were told that they closed our file 2 weeks prior on XX/XX/XXXX. So once again, they closed our file without telling us. So at that time, they would not let us make a payment. They denied our application based on the claims that they did not receive the paperwork in time, however, we have documented receipts that they received it on time. The packet was then resent on XX/XX/XXXX. On XX/XX/XXXX they requested more documentation, which was sent back the same day. XX/XX/XXXX the modification was deemed complete. XX/XX/XXXX it was still pending review and as of XX/XX/XXXX they came back with an approved trial modification at the rate of {$3400.00} which is now over {$1000.00} more than the previous offer which we can not afford. We feel this is an unreasonable amount. At this point, I believe that this mortgage company is predatorily attempting to get us to give up our house because it will make them more money. We are a family of XXXX and bought this house as our forever home. We have been fighting for over 2 years and just want to keep our home and make our payments.
Product: Debt collection

I had a debt with Springleaf Financial Services XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Attorney at Law, XXXX XXXX OR handled the debt collection. 
Was NEVER notified or served papers. After receiving garnishment papers from my payroll division where I work I started digging. XXXX XXXX XXXX, XXXX, Attorney at Law falsely stated that I was served to the XXXX XXXX XXXX XXXX. 
I never lived at XXXX XXXX, XXXX WA XXXX and after contacting the owner he told me that in fact they tried to serve him my papers several times and each time he told them I do n't know this person and this person does n't live here. The last time the server showed up he threw the envelope at him and left.This was around XXXX or XXXX XXXX he said. 

My complaint is how many other consumers have they falsified information about properly serving and notification violating RCW laws
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I requested that the XXXX hard inquires be removed from my credit file, I had some Identity theft and don't have any recollection of these inquires so I attached them to this complaint, I called everyone of them and they had no records of these inquires which was a part of my Identity being stolen.
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 XXXX  # XXXX Account Name XXXX XXXX XXXX  # XXXX Account name XXXX  # XXXX
Product: Money transfer, virtual currency, or money service

I want all monies that has been reported returned to me
Product: Debt collection

I received a call from XXXX on XX/XX/XXXX @ XXXX. They also called from XXXX on XX/XX/XXXX @ XXXX. I have asked them during both calls to stop calling but the calls persist, all from different # 's. I did tell them they are only allowed to send written mail, no phone calls. During the latest mentioned incident, she said they are allowed to call, despite me asking them not to.
Product: Mortgage

I have recently submitted a compliant about Specialized Loan Servicing purchasing insurance on my behalf ( illegal in New Jersey ) when they already had copies of my insurance dec pages ( both flood and hazard ). SLS responded to CFPB with a letter stating that the insurance they had purchased was cancelled and I would not be charged. I have just received a letter from SLS ( dated XXXX/XXXX/16 ) giving me notification that my escrow account was being charged for insurance that they already reported to CFPB that was cancelled. They had no right to purchase insurance on my behalf in the first place as they already had proof of insurance on file. So which is it? Is SLS charging my escrow account for insurance or did they cancel? I was told by the CFPB rep to file another complaint as the last compliant ( case # XXXX ) was supposedly resolved and obviously is not since SLS is still trying to charge my escrow account for the insurance.
Product: Credit reporting or other personal consumer reports

On XXXX I submitted a complaint because XXXXXXXX XXXX is refusing to remove the {$0.00} charge off that is still continuing to be reported on my reports even though the charge off was paid. This is my second complaint. XXXXXXXX XXXX  stated incorrectly in the response that was provided on XX/XX/scrub>XXXX  that the charge account is being reported correctly with a {$0.00} balance since it had been sold to another party ( third party debt collector ). I have already received communication from XXXX XXXX XXXX ( the letter that was received was attached to the initial complaint, but apparently was not read by XXXX XXXX prior to a response being provided to me ), stating that the balance that was placed on my reports by XXXX XXXX XXXX ( which had a balance tied to it and was not the {$0.00} charge off that XXXX still has on my reports ) would be removed after full payment. XXXX XXXX XXXX has already done its part and removed their account from my reports. XXXXXXXX XXXX HAS NOT. The {$0.00} charge off/collection account from XXXX XXXX is continuing to cause unjust hardship as the information is still appearing on all of my credit reports and is affecting me in a negative manner as it relates to my credit. The {$0.00} charge off that is on my reports from XXXXXXXX XXXX  should not still be on any of my reports because it is not accurate since the charge off has already been paid. The information proving that is being attached again for reference along with reports showing the {$0.00} charge off/collection that is appearing on my credit reports from XXXX XXXX XXXX
Product: Student loan

" My Great Lakes '' is a federal student loan servicer who services my student loans. I am trying to apply an extra payment to pay-in-full one of my student loans at 6.55 % interest rate ( payment made XX/XX/XXXX, received XX/XX/XXXX, applied XX/XX/XXXX ). However, Great Lakes will only apply the payment first towards any future payment due, and then any extra towards the loan I requested. In the past, I would call and have them adjust this so the payment is only applied to the one loan I wanted to make an extra payment towards - knowing that I have auto-pay set up and I am paid-in-advance ( no payment due for 1+ months beyond current billing cycle ). Great Lakes has changed their policy and are now unable to adjust excess payments to only the loan I request. Due to this, I am still being charged 6.55 % on the loan which should be paid off in full with my payment of {$2500.00} ( loan balance was {$2500.00} at time of payment ), and instead part of that payment is going towards my 3.03 %, 3.15 %, 4.25 %, and 5.35 % loans. Only {$2000.00} was applied to Loan Token XXXX, the remaining {$520.00} was applied towards other loans which are at lower interest rates.This means I am not gaining the benefit of paying off my highest interest rate loan, which means I pay a higher percentage per month in interest than I should be - this is money out of my pocket which they will not reimburse or correct. I do not want money, I only want my payment to be applied correctly, retroactively, only to loan # XXXX as requested multiple times so that it will have a " Paid-in-full '' status. Again, this is a policy change at Great Lakes which is not allowing me to apply a payment only to the one loan I request, where I was fully able to do this previously. This is wasting my money towards undue interest. In addition to multiple emails ( with my latest unanswered for 5 business days ), I called today on XX/XX/XXXX and spoke to XXXX ( employee # XXXX ) and was again told that they could not apply the payment only to my loan token # XXXX - like they have done several times in the past ( redirected an over/excess payment to be applied to only one loan ).
Product: Mortgage

I tried talking to them since I am married now with XXXX kids, and living in another state they sent an appraiser to my property that a family member was living there and trashed it, and the land is eroding and was almost condemned twice because of this, and the person used comps from other cities besides the one where the house is located saying that it was worth {$88000.00}. Ive tried asking about deed in lieu, and all types of resolution and they keep saying thats because the FHA is a hud backed load that they have to follow hud guidelines but I think its more money for them than anything and that Im being treated unfairly and have even offered to pay {$40000.00} and asked for forgiveness from them and they havent told me if they could modify, or offer forbearance or anything the company is VMF or Called Vanderbilt Mortgage and they have not helped at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

XXXX was contacted by the Attorney General in their state in 2020 to do the following : XXXX ) not contact me about a school debt due to the pandemic. 
Additionally, I have received no correspondence from this company. 

The amount they claim I owe is exaggerated with over XXXX dollars in their fees and they are attempting to collect during a pandemic. 

They placed a collection on my credit report without communication with me. 

According to the Bureau of Consumer ProtectioXXXX their collection process is erroneous and XXXX must prove they have a right to : XXXX ) Add fees of their own to the payment believed to be owed XXXX ) Collect from a consumer with no job during the pandemic in the state of Florida. 

XXXX ) Attempt to collect any monies after the Attorney Generals office interrupted the process. 

XXXX ) Prove they provided documents to me from a letter they wrote to their Attorney XXXX office in 2020. 

If they continue to do illegal practices I will sue them in small claims court. Colleges and universities are canceling debt due to the 3 year pandemic. I certainly will not deal with bullying or discrimination due to my financial status. I will contact Help me XXXX and XXXX XXXX XXXX XXXX because this company conducted 5 plus soft pulls on my credit. This is harassment and illegal.
Product: Debt collection

I have no knowledge of this company calling to collect a debt of {$6600.00} I believe Im a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I files a Complaint # XXXX with CFPB against Equifax for incorrectly reporting an alleged Bankruptcy Case # XXXX ( XXXX ) dated XXXX, XXXX on my personal credit report. Equifax has responded back with false information verified being false by the attached document provided directly by the 3rd Party vendor, XXXX, that they use to provide them with the reported information as the US Bankruptcy Court does not report nor verify directly any Bankruptcy proceedings. On the same dated I also filed Complaint # XXXX against XXXX for them supplying that information as the 3rd Party vendor to Equifax. Equifax responded back claiming that they verified the Bankruptcy information as correct with XXXX. However as documentation directly from XXXX dated XX/XX/XXXX clearly states they removed the incorrect reporting of Bankruptcy # XXXX from their files related to me and verified that they are no longer showing any bankruptcy in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : After reviewing my credit report, I realized that my score was lower than from which I previously checked it. I was a victim of identity theft years ago so I have had a freeze on my credit report for a long time now to which I have been trying to remove for a while on XXXX. 

The account to which I had no knowledge of was : XXXX Account # XXXX for {$2600.00}. 
I had no knowledge of this account and never presented any physical identification for this account to be open. 

The account violating my consumer rights with inaccurate reporting : XXXX XXXX XXXX XXXX According to 15 U.S. Code 1681 ( XXXX Account # XXXX ), and ( XXXX XXXX XXXX XXXXXXXX ) : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

Also to this ( XXXX Account # XXXX ), each CRA is reporting a different report for this fraudulent account which is also a violation of my consumer rights. Sections such as when this account was closed, the account comments, date last active, and the payment history ( XXXX XXXX XXXX  XXXX ) are all reporting inaccurate information of an account I had no knowledge of which is improper use of my credit report. Which again violates my consumer rights. 

And this information is inaccurate. 

According to 15 U.S. Code 1681b subsection 2, I never gave any written permission for this account to be in my possession nor upon my credit report.