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

Complaint Against XXXXXXXX Wyoming Department of Family Services Dear CFPB, I am writing to file a complaint against the XXXX Wyoming Department of Family Services for multiple violations of my consumer rights and unauthorized use of my identity. I have reached out to this agency on numerous occasions, only to be met with ignorance of the law, prejudice based on the color of my skin, and continuous reporting of child support to my credit report, despite the fact that I owe no debt, as stated in accordance with 18 USC 8. 

The actions of this company are a clear violation of my consumer right to privacy, as outlined in 15 USC 1681b ( 2 ). Furthermore, they have no permission to report any information using my personal details, as stated in 15 USC 1681 ( 4 ). The inclusion of child support in my credit report is not only a violation of my rights but also a violation of the Separation of Powers Doctrine and the Michigan Constitution. This situation has had a devastating impact on my life and credit. I firmly believe that the state of Wyoming, through its
Department of Family Services, is engaging in malicious, crooked, and ungodly behavior. Additionally, the agency is committing perjury and should be held accountable for fraud. Child support, in my view, is fraudulent and unconstitutional, constituting a violation of my constitutional rights. It is essentially a debt collection agency operating in violation of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ). The account in question is in violation of accurate reporting, as it falsely lists the Child Support Court as the furnisher, which is forgery and misleading, as the courts do not report this type of account. These accounts should not be furnished on my consumer report, as they are in clear violation of the law.

According to 15 U.S. Code 1681b, consumer reports can only be furnished under specific circumstances, and only with the written instruction of the consumer to whom it relates. I have never given any consumer reporting agency written consent to report anything on my consumer report. The lack of consent in this situation amounts to identity theft. 

I kindly request that the CFPB investigate this matter thoroughly and take appropriate action against the XXXX Wyoming Department of Family Services for their violations of consumer rights, unauthorized use of personal information, and fraudulent practices. I also urge you to bring this issue to the attention of the relevant authorities to ensure justice is served.

Thank you for your attention to this matter. 

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

I've sent them valid Metro 2 compliance Challenges as they are reporting erroneous and unverifiable accounts. 

They have not one time in almost 4 months sent a single credit report or valid response to any of these requests. 

they have not complied with the requested information and have violated numerous FDCRA laws. 

My next step is Filing a lawsuit for the fines and damages that each clause has. 

I've attached all of the letters sent and the dates are on them. They've yet to reply to single one. 

The letters as you can see began on XX/XX/22. 

Not one time did Experian inform me of any updates or process any request or provide any proof of debt or validate any METRO2Compliance yet alone never reply with in 90 days yet alone the mandatory 30 days.
Product: Debt collection

XX/XX/XXXX received letter from XXXX XXXX our account was sold to Midland Credit Center for nonpayment XX/XX/XXXX @ XXXX XX/XX/XXXX spk/w XXXX to explain problem XXXX XX/XX/XXXXspk/w XXXX re same as above XXXX XX/XX/XXXX spk/w XXXX re same XXXX XXXX  spk/w XXXX XXXX XXXX re same XXXX XXXX  spk/w XXXX   XXXX XXXX Customer Service Fraud who informed our account was closed. Will check on problem and send letter of resolution. Call  ended @ XXXX. 
To all representatives we explained we had not a received a bill, paid {$34.00} XX/XX/XXXX, which left account paid in full. Did not remember making a purchase a year before and felt if we had, we would have received a bill. 
XX/XX/XXXX received a welcome from Midland Credit Management. Also sent CEOs of XXXX XXXX and XXXX a letter describing our plight. Received calls from both. Described plight again. XXXX said bill returned by USPS unknown at address. When asked what was purchased, XXXX said no. When asked if we could see the returned envelope, XXXX XXXX  XX/XX/XXXX again said no. XXXX  also stated no further bills were sent nor any phone calls made regarding this now cancelled account. 

XX/XX/XXXX received letter informing us the amount of purchase only {$95.00}. 
XX/XX/XXXX received letter from XXXX stating as we did not provide any information or documentation we now owe {$370.00} plus interest charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XX/XX/XXXX, I went into active duty-army status. According to the SCRA regulations, I attempted to submit my orders to the company and get my balance lowered and apr adjusted. I received notification via USPS mail that my documents were collected. After some time, no adjustments were made and my expected payments were still high. I was struggling to get relief and seek out these adjustments. I attempted to call Capital One 's military service department and they said they were working on it and that no action was needed on my part, however, I did state that I was in financial hardship and would like to get assistance. It took almost 3 years to the date I filled my original petition before I received approval ( on or about XX/XX/XXXX ) and because my account by that time, was paid and closed, received a reimbursement check of roughly {$1800.00} for the paid overage. Although this was an importantly rectified piece of the problem, it did not help with my credit reporting and attempt at hardship assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me a email that I needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under my social security number. Its upsetting that anyone would all these things using my information. These fraudulent items are not mine. 

DEPTEDXXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$13000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$2200.00} DEPTEDXXXX XXXX {$4500.00} XXXX  XXXX {$4500.00} XXXX   XXXX {$6000.00} XXXX XXXX XXXX XXXX {$470.00} XXXX/XXXX XXXX {$5500.00} XXXX  XXXX {$4500.00} XXXX XXXX XXXX {$57.00} DEPTEDXXXX   XXXX {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong address I have never lived at and when I try to dispute, they want to allow me to. they want to tell you who the information came from. But the information on the address is completely wrong. 

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

Hello my name is XXXX XXXX and this is my 3rd attempt trying to obtain my consumer file & report from XXXX and experian. I have uploaded a screen shot of this last attempt as well as proof of my identity. I am using the cfpb in hopes of obtaining my consumer file & report from XXXX and experian.
Product: Vehicle loan or lease

am making additional principal payments, the are still applying interest even though am cuurent on loan. one supervisor stated amount should only applyy as principal reduction. after multiple calls and attempting to pay online, the additional monies are being partially applied to interest although this is to be a simple interest loan with ally financial.
Product: Debt collection

XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX  XXXX {$430.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. 
Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 


The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature. 


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

In accordance with the far 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A.. States I have the right to privacy..

15 U.S.C 1681 section 604 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 take 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 1681-2 ( 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 accurate
Product: Mortgage

I fell behind on my mortgage payments due to XXXX XXXX   placing a collateral loan on my truck for insurance. At the same time extra payments was being made to XXXX XXXX my job cut hours down by 10 hours weekly. I received mortgage statements from Note Servicing  account number XXXX asking for {$1200.00} to cover my XXXX XXXX and XXXX payments. I mailed {$1200.00} before the end of XXXX to cover the past due payments. Note Servicing even sent me an email asking for my payments to come directly out of my bank account. On XX/XX/XXXX I received a check from Note Servicing stating my money was being returned being returned because it wasnt enough to reinstate my mortgage. Today I called Note Servicing to find out why the payment was refused and was told the payment arrived XX/XX/XXXX and I had to include XXXX payment in for a total of {$1600.00} in order to bring the account current. I told the representative I would pay it on Friday and she said she would notate the file. 5 minutes later she called back and said the mortgage owner XXXX XXXX wanted the full mortgage balance of {$14000.00}! Stating he has the right to initiate foreclosure process on my home! My home was purchased by XXXX XXXX and XXXX XXXX  at {$20000.00}. The property value went up to {$120000.00} so I believe he and his company are trying to push me out of my home to sell it for a profit. I feel this practice is inhumane especially sinceI had the payment sent out to make me current. I wasnt offer no payment solution or loan Modification to bring a resolution to the situation.
Product: Credit reporting or other personal consumer reports

There is a inquiry and collection account on my report that I am not aware of and did not authorize XXXX XXXX DISCOVER
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to verify this account and remove it. 

XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXX This account is unverified. 
I have sent in my ID to verify errors on my report.
Product: Credit reporting or other personal consumer reports

In Accordance with the fair credit reporting act. the of list accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 usc 1681 accounts name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX l Iooked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Money transfer, virtual currency, or money service

I am filing a complaint againstCash 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 Requlation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

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 an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is being reported on my XXXX, Transunion, and XXXX credit reports. This account is a fraudulent account and documentation has been sent to the reporting agencies stating that i was a victim of ID theft and that this account does not belong to me and should be immediately suppressed and blocked from my report. All agencies have stated the verified this belongs to me without providing any type of documentation that shows I opened the account and signed up for the accounts. This documentation was sent over to all agencies by me from XX/XX/XXXX to XX/XX/XXXX but they have yet to verify with documentation that they accounts belong to me.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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: Credit card or prepaid card

I've attempted to call " Direct express '' debit XXXX company for a week to set the pin number for a new updated card that my Social security XXXX funds are sent to and after a HOUR wait or more every time i call, ( 6 days ) nobody ever answers and their website is worthless also. Every time you sign in to their site it fails to remember your password and you have to spend hours waiting for their page to send you the reset page by email in order to begin resetting it. ( if they bother to even send it ). The site remembers your ID information but makes you TRY to reset the password every time. These people need to be investigated and someone else more responsible needs to be in charge of this system. Now i can't use my new card to access my money for groceries or pay my bills because these sorry fools have been put in charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company didn't notify customer when auto-payment fails, not by email, not by text. Let the late fee to roll up and customer find out of that 2 month later, then the company force the customer to pay {$100.00} late fee for {$120.00} unpaid amount, and report 2 month late in the customer 's credit report, which will be there for 7 years. That's the only bad thing on the customer 's credit report. 

The credit report company didn't show the unpaid amount, which is only {$120.00}, but only show there are 2 month late payment, and show there for 7 years, which is affecting customer 's financial benefit for 7 years whenever the customer is doing mortgage or refinance, it is super unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have sent numerous letters certified mail to the credit bureaus to remove these fraudulent accounts on XX/XX/XXXX USPS Certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XX/XX/XXXX Under 15 USC section 1681i of the Fair Credit Reporting Act of 1970, I demand the following items to be deleted aster improper investigation. Under section 609, the credit bureau did not on my Federal Police Report not any original documentation with my signature. That is a violation under the law and has caused personal injury to me. 

Delete the following accounts immediately : 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: Credit card or prepaid card

It was difficult to select an option that fit my complaint. 

I received a call saying Fraud activity had been suspected on my credit card. When an called them back they asked way more questions than I have had happen in the past. 

Once I hung up with them I looked up US Banks Fraud Department and the number wasn't right. I call US Bank and couldn't get through.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE 60 REPORTING VIOLATIONS WITH THIS ONE ACCOUNT WITH TRANSUNION ALONE. XXXX ACCOUNT : TRANSUNION HAS BEEN VIOLATING MY CONSUMER REPORT UNDER 603 15 U.S.C. 1681a ( 2 ). MULTIPLE ACCOUNTS WITH TRANSUNION ARE SUFFERING THESE VIOLATIONS WHICH HAS INJURED THE CONSUMER. PLEASES SEE ATTACHED.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a trade line from XXXX  XXXX  in my Equifax file. All payments were accurately reported until recently, in which they are only reporting TWO of the payments, despite the account being paid off and closed in XX/XX/XXXX. I have confirmed telephonically with the creditor that they have made no reports on then account since XX/XX/XXXX when the final report was made. All payments were made on time, and did appear on the report until recently. This has negatively affected my credit score and thus decreases my chances for better credit opportunities. There was no reason to delete that info, other bureaus have it, and Equifax should not be altering the reports in this way. I have verified with the creditor that the information Equifax is reporting is incorrect Additionally, Equifax online disputing does not allow for disputing closed accounts. I called Equifax, only to find that they use offshore call centers, placing my and others financial information at extreme risk. 

I have copies of previous reports in my files, and can provide you with a copy of them, if necessary, for your review. 

I trust you will be able to enforce the ACCURACY requirements of the FCRA and other laws on Equifax
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX  XXXX DEPTEDXXXX XXXXXXXX XXXX  XXXX XXXX