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

Someone may have stolen my identity. There are accounts, addresses and inquiries that don't belong to me. Please remove them. I have attached my personal information as well. Thank you.
Product: Debt or credit management

I dint receive any response or results from the company to this day
Product: Debt collection

X/X/17    - This company has been making frequent and harassing calls to m y Mother 's hom e for almost a year now.   The numbers they have used just in the past week are :  XXXX   XXXX   XXXX   XXXX  The company is : Portfolio Recovery  Associates LLC   XXXX   XXXX   XXXX   (  &  XXXX   XXXX   XXXX  - for Disputes Dept. )  XXXX , VA  XXXX  I have sent them several letters begging them to stop calling my Mother 's number because I do n't live there and she is recovering from  XXXX   XXXX   XXXX  and is still undergoing treatments. I have explained I am currently dealing with illness, I have filed for  XXXX , I have no job and I have no income. I also explained I am not trying to avoid paying them, I just have  XXXX  income at this time. I am currently living with family and friends and constantly changing residences.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 60 days waiting for the response of the credit bureaus, because I have inaccurate information on my credit report. I have negative accounts that should not be on my credit report, accounts that are not negative showing as they are, inquiries that I didn't authorized. 

I waited too much for the response of the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my information has been leaked including the answers to my security questions. They have offered 1 year of protection for free but that does not guarantee my safety as all it takes is the criminals to wait one year to use my information to open accounts in my name. With my security questions they could also gain access to my bank accounts as well. This is very concerning and 1 year of protection will not protect me for long and will not protect me from all possible damage or heart ache this will surely cause.
Product: Checking or savings account

XX/XX/2023 : I attempted to make a withdrawal from a XXXX XXXX ATM for {$900.00}. With atm fees and associated Cash App fees, the total was {$900.00}. All of the money was not dispersed, so I went inside to the bank ( XXXX ) and spoke with the representatives of the bank, who referred me to the number on the side of the ATM ( XXXX ). After speaking with XXXX XXXX representatives ( XXXX XXXX XXXX XXXX I was told that I would need to file a claim with Cash App, and they would confirm at the EOD if the monies were collected from the ATM. At this time, the Bank Manager also reached out to Cash App to speak to a representative and file a claim on my behalf. 
As directed, a claim was filed. 

Between XX/XX/XXXX, XXXX XXXXXXXX XXXX ( notably XXXX XXXX XXXX ) I followed up with Cash App ( XXXX ) via their chat support ( in-App ). Screenshots of these conversations can be provided if necessary. 
I was asked why I was contacting support, what transaction, did I file a dispute, etc., and each time I was told " I need to transfer your case to a specialty team '' or " We are unable to provide any more information about your dispute filed XX/XX/2023. '' XX/XX/2023 I received an in-App notification that my claim was denied. I immediately reached out to Cash App ( XXXX ) to request the information used to make this determination. I was asked for my email address, assuming that I can not be transferred or escalated to the dispute resolution or legal department. 

XX/XX/2023 Reached out to Cash App once again ( XXXX ), inquiring on the email with the information requested. I was once again met with " What is the best email to reach you? '' At this time, I asked who would be the agency to file a formal complaint to, and I never received a response. 

XX/XX/2023 Reached out again ( XXXX XXXX, and was told that it would take a few days for my request. 

XX/XX/2023 Received an email from Cash App with nothing but the transaction record ( which can be found in-App -- attached below ), stating that I had withdrawn {$900.00}. I reached out to Cash App once again ( XXXX ), who stated, " I'll need to transfer your There were no statements or mention of the bank reaching out, no mention of my own communication, etc., Just a one-liner. I immediately called the bank ( XXXX ) who once again filed a dispute with the company. 

XX/XX/2023 Reached out to Cash App once again via phone as detailed below : XXXX ( XXXX, CSR disconnected the call ) *calls are recorded Called back at XXXX ( XXXX, XXXX ) *requested to speak to a supervisor, and was again asked for an email address. 
I received an email response with the same general information from Cash App ( XXXX ) as attached below.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced attached. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports.

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the XXXX XXXX Office.

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

CFPB + Equifax, I am writing in to update my correct address on file with Equifax and to have all other non correct addresses removed : attached to this complaint are : - my drivers license - my social security card - my address- my written complaint - screen shots on Equifax where these are located Please have this updated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting XXXX XXXX XXXX XXXX as foreclosure. Deed in Leiu of foreclosure was filed as instructed. As well, this timeshare was signed while on vacation and intoxicated making contract invalid.
Product: Student loan

I requested on XX/XX/XXXX to change my repayment plan with Nelnet. It is now XX/XX/XXXX, and the payment that I do not feel I can afford is due in 11 days for over 3x the amount the new plan would be. Phone wait times are HOURS, and all they say is that " its processing ''. This company is an absolute joke and should be sued by every single student loan borrower who was forced to work with them
Product: Debt collection

I am a consumer and natural person federally protected as defined by 12 CFR 1002.2 and serving The Moore Law Group and XXXX XXXX, debt collectors, with an official notice of dispute as defined by the FDCPA. Please be advised pursuant to 12 FR 1026.13, this constitutes as a notice of dispute for the amount of {$30000.00}. Please be advised I have not given The Moore Law Group any authorization to contact me, which is a violation of my Federally protected rights and a violation of 15 USC 1692. The Moore Law Group has stated We are trying to collect a debt that you owe which is also in violation of my Federally protected rights under 15 USC 1692. I also hereby include notice to cease and desist and to no trespass in the event that any party has no private right to the federal formal written titles 28 USC 3002 ( 1 ) ( A ) ( B ) ; 31 USC 3718 ; and 18 USC 8.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I got a Title Loan through One Main Financial. A couple of years after I got the loan I had some financial struggles and asked them to just com and get the vehicle. In the last 4-5 years I have told them to come get the vehicle in place of me paying on the loan. They refused to obtain possession of the vehicle back in XXXX so I kept the vehicle. It is a hinderance to my credit and just keeping. They still have the title for it so I can not trade or sell it myself. They broke the contract when they failed to come and get the vehicle back in XXXX. Now they are reporting month over month as a charge off. So they have already written this off as a tax write off but still want me to pay them when I have told them numerous times they could get the vehicle. I want all accounts associated with One Main financial removed from my credit file. They are reporting a loan account they can not even find in their system but yet continue to validate it with the credit bureaus.
Product: Credit reporting or other personal consumer reports

CKS Prime Investments LLC violated my consumer rights to privacy, FDCPA and committed aggravated identity theft ( 18 USC 1028A ). CKS Prime Investments LLC, knowingly obtained ( purchased ), possess, and used my Personally-identifiable financial information without my consent or legal authority ( Gramm-Leach-Bliley Act ), to unlawfully by extortionate means punish me ( reporting to my consumer report to tarnish my reputation ) and attempt to collect on an extension of credit ( 18 USC 894 ( a ) ( 1 ) ( 2 ) ( Up to 20yrs in prisons for violation of 18 USC 894 ( a ), that I extended to another organization and not CKS Prime Investments , LLC. They are misrepresenting my extension of credit and attempting to collect an alleged debt that I didnt give them consent to communicate with me about and is not mine.
Product: Debt collection

I already paid this debit prior with another credit agency, But now the debt has changed names and been sent to someone else to deal with even though it was already paid. I sent letter by certified mail to collector back on XXXX/XXXX/2015 asking for validation of proof that I owe debt from previous credit agency which was signed and received on their end on XXXX/XXXX/2015 and informed them of the FDCPA and that they are given 30 days to get this information out to me or else they would need to stop any debt collection from me. Now we sit at XXXX/XXXX/2015 and no information as of yet. I contact the collector and was informed that on XXXX/XXXX/2015 they mailed out information claiming validation of my debt and that the process took longer than 30 days to collect and that I should receive it in the mail in a few days. In the meantime the collector is filing default on me regarding this debt stating that I owe it which I do not and with that certified letter I sent was all the proof they needed to see that it has been paid for but regardless they want to still pursue to collect. They have violated the FDCPA.
Product: Mortgage

XX/XX/XXXX I entered into a Modification Agreement with RBS Citizens Bank, in which I promised to repay the outstanding balance over 30 years at a fixed rate of 5 % APR. My principal balance of {$99000.00} would be payable over the next 360 months in equal payments of {$530.00} which includes any interest accured during the billing cycle. My first monthly payment at this new amount would begin XX/XX/XXXX. 
I have now made XXXX monthly payments of {$530.00} of which none of the payments are going to my mortgage. Citizens Bank has added on to the agreement an " accrual adjustment '' of {$6400.00} and also are charging me a " Discharge Fee '' of an additional {$28.00} every month. None of these charges are in my agreement or ever talked about. 
When I contacted my branch in XXXX as to what was happening, they made several phone calls of which nobody seemed to know what to tell me. Another phone call was made when I approached the bank the next month because I did n't hear from anyone. After doing this for several months, I finally got a call back from Citizens Bank and was told I would hear back within 24 hours. As of XXXX XXXX @ XXXX, I have never heard back from the bank. 
XX/XX/XXXX my attorney filed a formal " Notice of Error '' pursuant to XXXX XXXX and have not had a response to this Notice of Error from Citizens Bank as of this day, XX/XX/XXXX. 
I need your help again ... At XXXX years young XXXX, I do n't need this horrible treatment from a bank that I have been a customer for the past 32 years. This bank advertises " We 're committed to you '' ... ..I do n't know who " you '' is but it certainly has n't been me.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I've been disputing with the credit bureaus ( Equifax, XXXX, XXXX XXXX ) and the furnishers ( XXXX XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX ) since XX/XX/XXXX, and as recently as XXXX & XX/XX/XXXX, to have an account removed from my credit report. I've identified all of the inaccurate & inconsistent information that was being reported, and I've sent both the bureaus and the furnishers physical evidence that this account was paid in full to the original creditor as " SATISFACTION OF MORTGAGE '' to which I've maintained constant communication. Their letters and website states If you have documents that release you from this obligation please forward a copy to us. Upon request, I've repeatedly asked proper documentation that identified the original creditor, open/close dates of the account, binding contract ( s ) and other vital information. None of these entities has presented anything tangible thus far ( bureaus and the furnishers ), but they've all ignored me. For example, on XX/XX/XXXX, I've disputed with XXXXXXXX XXXX, certified mail to their Indiana office with information identifying myself, account #, and the release " SATISFACTION OF MORTGAGE ''. They said my letter was illegible ( when I typed ), there was no account #, no signature and that I didn't provide enough information for them to identify the account. The they referred me to their California office and I disputed with them on XX/XX/XXXX, they sent me the same response. Ive disputed with XXXX XXXXXXXX XXXX on XX/XX/XXXX, they ignored me and referred me to XXXX XXXX. I have copies of their response letters. I've submitted my fourth dispute with Equifax on XX/XX/XXXX by certified mail, about inaccuracies with a certain account, days later received an email that showed they were re-investigating the wrong account, after I've provided them with the correct account number. On XX/XX/XXXX, I called their customer service # to rectify the issue with an Equifax representative and they continued to give me grief and told me they couldn't do anything about it. As I've mentioned earlier, Ive pulled my credit report from reliable sources for the 3 major bureaus, and theyre all inaccurate, inconsistent, and the two furnishers have been inaccurately reporting from multiple offices from different states. The bureaus refuse to make the corrections and properly investigate my account. Ive attached copies of my credit reports from XXXX, Equifax, XXXX, XXXX XXXX, the certified release, a response from XXXX of the debt collectors and I've placed RED ARROWS where there are inaccuracies and contradictions. Every time that I've checked my updated reports over the months, information is always different rather than correct. Ive read, reviewed, and Im exercising my rights as a consumer, while these companies know the law and are required to follow the law, but refuse to abide by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a CFPB complaint and thought was resolved. It is not resolved and my credit is severely negatively impacted due to invalid delinquency. XXXX/ XXXXXXXX XXXXXXXX visa card added invalid charges to an accouNt which i never activated or agreed to. my fico score has now dropped 78 points. the account is closed and shows XXXX balance but the invalid delinquency still impacted my otherwise flawless credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, I disputed XXXX XXXX XXXX  inaccurate credit reporting of 8 missed payments. Equifax notified ne that a dispute I sent by mail was suspicious. I was informed that my dispute was not going to be processed because that that reason unlezs I submitted XXXX forms, ID, paystubs etc. I submitted my full social security number, address, birthday, companiy information etc. This is unfair and I am only exercising my right to dispute by mail. This is why I can not get any results to the fraudulent inaccurate reporting of debt on my personal credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on Account Dear CFPB, I am filing a formal complaint against Equifax regarding inaccurate information on my credit report related to late payments for the following account : Creditor Name : XXXX  XXXX Account Number : XXXX Despite multiple disputes submitted on XX/XX/year> and XX/XX/year>, the inaccuracies remain unresolved. This failure to address the discrepancies constitutes violations of my rights under the Fair Credit Reporting Act ( FCRA ), Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). Below is a detailed account of the errors and discrepancies : Errors and Discrepancies High Balance : {$5500.00} Last Verified : XX/XX/year> Date of Last Activity : XX/XX/year> Balance Owed : {$4300.00} Payment Amount : {$170.00} Credit Limit : {$5500.00} Legal Violations Fair Credit Reporting Act ( FCRA ) : Under 15 USC 1681i, credit reporting agencies are required to ensure the accuracy of the information they report. Despite my disputes, these inaccuracies persist.

15 USC 1681s-2 mandates data furnishers to report accurate information. XXXX  XXXX has failed to provide corrected data despite clear errors. 
Truth in Lending Act ( TILA ) : 15 USC 1666b requires creditors to send periodic statements at least 21 days before the due date. The late payment reporting indicates a potential failure to comply with this requirement.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act emphasizes the need for timely and accurate billing to prevent unfair penalties. The reported late payments contradict my payment history and harm my creditworthiness unjustly. 
Supporting Evidence I have attached the following documentation to support my claim : Copies of previous dispute letters ( dated XX/XX/year> and XX/XX/year> ). 
Credit reports from Equifax showing discrepancies. 
Proof of timely payments for the disputed months. 
Desired Resolution Immediate removal of all inaccurate late payment notations for the months of XXXX and XX/XX/year>. 
Written confirmation of the correction from Equifax. 
Failure to resolve this matter promptly will result in further action, including complaints to the Consumer Financial Protection Bureau ( CFPB ) and possible legal recourse. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Why did Trans Union remove XXXX points from my credit score today? 
I know why, because for some reason you removed my XXXX XXXX credit card from my credit report, even though this account is still active and I am using it. 
Immediately add my XXXX XXXX credit card back to my account, and also increase my credit score back to what it was. 
Attached to this complaint is my XXXX XXXX XX/XX/2023 statement. 
Attached is a photo of purchases that I made today with my XXXX XXXX card. 
This entire situation happened just now, and I just received an email from XXXX XXXX who let me know that this transpired. 

Sincerely, XXXX XXXX