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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

This is my last and final letter to your non compliant company before I file suit against all parties involved. FYI, it is a crime to threaten suit with no intention of actually filing suit, so be advisedI have every intention of following through with this to protect my rights as a consumer. I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. I have tried to contact these companies on my own, but I have not been able to get very far. I tried to contact them using the phone numbers that are provided on my credit report. Half of the numbers are not even correct. The companies that I was able to get in touch with do not even have any record of me. How can they have a permissible business purpose to pull my credit, if they have NO record of me? 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Illegal Furnishing of Collection Accounts and Harassment by Multiple Companies To Whom It May Concern, I am writing to file a formal complaint regarding the unlawful furnishing of collection accounts on my credit reports with XXXX, XXXX, and Experian by the following companies : XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX These companies have engaged in actions that have had a detrimental impact on my credit profile and financial well-being. 

I believe that these companies have no standing status within the state of South Carolina, where I am a resident, to pursue collection activities against me. Their actions amount to harassment, and I demand that they provide the correct information pertaining to their surety bonds, which proves the validity of their business affairs in South Carolina. 

I kindly request that the Consumer Financial Protection Bureau take immediate action to investigate these companies and ensure they comply with the necessary legal requirements in South Carolina. I further demand that each of these companies provide the requested information within 48 hours of receiving this complaint. Failure to do so will leave me with no choice but to pursue legal action against them for their continued harassment and violation of my rights as a consumer. 

I appreciate your prompt attention to this matter and trust that the Consumer Financial Protection Bureau will take the appropriate steps to rectify this situation. Please feel free to contact me at [ your contact information ] if you require any additional information or clarification. 

Thank you for your assistance in addressing this serious issue. 

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

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.
Product: Debt collection

Last week I was reviewing my credit report and noticed a collection on my credit report from Credence Resource Management in the amount of {$630.00}. I called Credence Resource Management and the man I spoke to could not provide me with any information because they only have limited information. After I got of the phone with him I did some more research and found that the original company is supposedly XXXX XXXX. I called XXXX and spoke to someone from both the internet and mobile phone department and both clearly stated I have no outstanding balance with them. I called Credence Resource Management back and I was told by them I needed to take a screenshot of what Im looking at on my credit report and email them, which I have, but have yet heard back from them. 
This is so frustrating!
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request for method of verification, including the completeness accuracy and appropriateness on XX/XX/2021 to Experian for an investigation they completed on XX/XX/XXXX. To date I have not received a response to this request required by law and therefore I question how they claim to have verified this error.
Product: Mortgage

I am currently in a 3 month trial payment plan I have a assigned counselor her  name is XXXX XXXX which I have spoken to, and schedule the 3 month payment plan. I first called to speak with XXXX XXXX, after I was unable to get her, I chose to speak with any of the agents which I spoke with a individual name ; XXXX on ( XX/XX/2019 at exactly XXXX XXXX ) I call for 2 things ; 1st to ask if the payment went through for XX/XX/2019 he said that it would probably post from my account tomorrow which was XX/XX/2019. I said o.k, I then asked him when was the next bill suppose to go through he said it suppose to draft from my account on XX/XX/2019. I told him I needed to make a change on the date for this draft out of my account. I would like to have that made on XX/XX/XXXX instead. Mind you me and my husband have had some difficult times with him having XXXX and being out of work for about 5 months. I didnt explain that to the individual ( XXXX ) because I know it was in the computer systems. He made a statement to me, why are you having this come out on the XXXX and then youre gon na have to make another payment on XX/XX/XXXX, it was how he made the state in a degrading way the ( FDCPA Act ) prohibits protects people who need to be treated with dignity and respect and the statement was intent to shame me. After a while I got very fed up with his degrading comment after I explained to him that I didnt like the way he was talking to me he quickly wanted to change it like he was saying it to protect me. I felt very belittle, his actions was very much unnecessary, I also asked him was the conversation being recorded I would so much appreciate if you could listen to this conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy pop up on my credit report that I did not file. I spoke to the courthouse about this matter and they confirmed that they did not verify the identity of the filer and the bankruptcy was closed shortly thereafter. I wound up needing to dispute this bankruptcy directly with XXXX. I did so and XXXX removed the bankruptcy from my personal file and provided me letters and a copy of my personal file to showcase. 

I forwarded all this information on to XXXX  directly via Certified Mail. XXXX  claims to have investigated it and verified it but since they use XXXX and XXXX has already removed it from my file, there is simply no way that's possible. The investigation process appears to be a sham, since the bureaus all list XXXX as their source of public records and I've already taken care of it.
Product: Credit reporting or other personal consumer reports

Throughout the time frame of XX/XX/year> to the present day, your company has repeatedly contacted me, claiming that I owe a debt under Synchrony Bank account number XXXX. I do not believe that I owe this debt, and I have disputed it and allowed you appropriate time to show evidence of this debt to be valid, but you have disregarded these repeated requests to validate the debt. 

Such conduct from your company has caused me to suffer severe humiliation and embarrassment, emotional distress, and physical discomfort. You have violated 15 U.S.C. 1692 ( c ) of the Fair Debt Collections Practices Act by harassing me regarding this debt.

I demand that you cease and desist of this activity as soon as possible within fifteen ( 15 ) days from your receipt of this Notice. This includes eliminating our account from your records, discontinuing and retracting reports to any and all credit reporting bureaus, and ceasing any and all communications to us by mail and otherwise. If action is not taken by you to cease and desist within the given time frame, I will have no choice but to take appropriate legal action against your firm. I may still choose to prosecute for commercial copyright infringement for which your company is hereby liable. A copy of the invoice and other pertinent documents is attached for your records along with a Final Demand for Payment.
Product: Debt collection

Collection notice for debt that does not exist by an entity that is known for fraudulent claims collections. This was dated XXXX for the amount {$13000.00}. The name addressed is not correct either. I also contacted the company the supposed debt was for and they had no record of any such debt.
Product: Credit card or prepaid card

I applied, and was approved for a credit card through XXXX XXXX XXXX. After approval, I recieved a letter indicating I had to send in a ton of documents to an investigator ( XXXX XXXX ). More documents than were required for a mortgage application! The letter gave some XXXX XXXX excuse about inability to verify application information, though no other credit card company or mortgage company has had this issue. Clearly the company was too lazy to actually verify any information. 

In any case, instead of providing forms to fill out online or submit online, I have to fax them. It's XX/XX/2019, you are a multi-billion dollar bank, learn to use secure e-mail instead of being lazy. I am uploading all the material I was asked to send in to this complaint. Shame on XXXX for having such poor services.
Product: Mortgage

I was notified that effective XX/XX/XXXX, my escrow payment would increase by {$980.00} due to a projected shortage of {$13000.00}. 
Mr Cooper stated that my beginning balance as of XX/XX/XXXX was XXXX and it need to be at {$10000.00}. 
Mr Cooper had taken over the Mortgage from Seterus as of XX/XX/XXXX. 
They claimed that at the time they assumed the account, my escrow balance was XXXX. 
On XX/XX/XXXX, I communicated with Mr Cooper that I had been paying my Escrow regularly for a long time, and was not aware of any shortages when my account was with Seterus. 
On XX/XX/XXXX, Mr. Cooper corresponded to me : We have reviewed the Seterus Escrow Analysis ( EA ) statements generated in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and each review of determined a shortage of escrow funds. 

However, I saw several issues in their analysis, which I communicated to them on XX/XX/XXXX : XX/XX/XXXX ending balance of {$630000.00} yet next statement shows beginning balance of XXXX. 

XX/XX/XXXX ending balance {$6500.00} yet next statement shows beginning balance of - {$3900.00} XX/XX/XXXX ending balance {$230.00} yet next statement shows beginning balance of - {$1600.00} Between XX/XX/XXXX and XX/XX/XXXX, {$58000.00} was paid in to escrow yet only {$36000.00} was paid out of the escrow account. With an assumed initial balance of $ XXXX, on XX/XX/XXXX my balance should have been {$20000.00} All the Seterus Escrow reports seem to not properly carry the balance forward. 

I also find it difficult to believe that Seterus would have allowed my balance to get so low. 

On XX/XX/XXXX, Mr Cooper replied that they were still investigating this. 

No further communication has been made. 

I have been paying the additional payments as requested, but this is proving to be a financial hardship for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was listed on Social Security XXXX XXXX XXXX database as deceased. 

Some how I discovered email and text alerts from XXXX that reported inaccurate data to XXXX, Equifax, which had inaccurate accounts open, inquiries from XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX  's on my credit file accounts. 

I had to contact XXXX XXXX XXXX Bankruptcy court and the XXXX sent a letter denying the fact they sell information to Credit reporting agencies and mailed me a letter. 

I mailed XXXX certified letters to XXXX and the data mining company aplogized and removed XXXX XXXX XXXX do to inaccurate reporting. XXXX and Equifax have NOT removed the XXXX XXXX under a different name. 

I have a police report and a signed XXXX from FTC for Identity Theft. I mailed both XXXX and Equifax the documents from Social Security XXXX that my Social Security number was used as Identity Theft under false pretense. 

I am requesting that the XXXX XXXX XXXX concerning Bankruptcy be DELETED and my name is correct in my credit accounts according to REAL ID ACT involving that correct spelling of my name on my state Drivers License, legal Name Change, Police Report, FTC Affidavit Notarized, and Social Security XXXX letter showing my SSN was used as Identity Theft, which is a federal crime. 

So far, both XXXX and Equifax REFUSED to delete inaccurate reporting information that is affecting my credit file to obtain credit. 

I discovered CFPB is suing XXXX for this very reason violating my Consumers rights selling my private data and reporting Public Records and my first and last name inaccurately causing a hardship to obtain Consumer family and household credit from lenders.
Product: Credit reporting or other personal consumer reports

Your companys unauthorized credit inquiries on my report have severely impacted my financial stability and caused me unnecessary XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 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 XXXXXXXX has violated my rights. 

15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A section 2 also states a credit reporting agency can not furnish a account without my written instructions.
Product: Credit reporting

I have submitted the original dispute concerning XXXX XXXX XXXX account closed XX/XX/XXXX to Equifax. Eqifax may or may not be investigating, but they have as the result of my dispute submission placed misleading information on my credit report. One statement made on XXXX/XXXX/XXXX states : " XXXX days past due - XXXX XXXX XXXX XXXX ''. Another alert dated XXXX/XXXX/XXXX states, " XXXX XXXX XXXX has flagged your account as Not more than XXXX payments past due ( 2 ). Potentially Negative Alerts notify you when one of your accounts has information that may negatively impact your credit score. '' My original dispute was about the report from XXXX XXXX XXXX. After my house was destroyed by fire on XXXX XXXX, XXXX, I sent XXXX XXXX XXXX an insurance check which I had endorsed for the payoff of the mortgage. This check was mailed around XX/XX/XXXX. I continued to receive bills and past due notices from XXXX XXXX XXXX. Then in XXXX XXXX, I received a statement from XXXX XXXX XXXX showing that my payoff check went into an account they had established in my name without my knowledge or consent. At that time I contacted XXXX XXXX XXXX and was told that it was their policy to not accept payoff on a mortgage without a written notice from the account holder. I complied by sending a request for payoff. It is interesting that although the check was for quite a bit more than original payoff amount, I received no refund for the additional amount. They accepted the check without refund or asking for additional funds. I find that too strange for coincidence. XXXX XXXX XXXX XXXX should be able to verify that they did provide the check for payoff.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app due to port customer service and unfair practices. That violates the CFPA.Cash app did not take effective measures to address fraud as well as prevent it in a timely manner.
Product: Checking or savings account

I have direct deposit with Capital One 360 checking and this morning, XX/XX/year>2025. I still had yet to receive the deposit. I confirmed with my employer that the paycheck was sent out and the money was sent to Capital One, but it has yet to be reflected on my account.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6000.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$6300.00} XXXX - XXXX - XX/XX/XXXX - {$00.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act. 
Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Credit reporting or other personal consumer reports

Please see attached docuasfments. Do not close this complaint stating it is not me. I am a natural pasferson and a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT AND FOR OVER 6 MONTHS I HAVE BEEN TRYING TO HAVE XXXX TO REMOVE THE FRAUDULENT 2 ACCOUNTS FROM MY CREDIT REPORT. AT THIS POINT I AM NOT REALLY SURE HOW ELSE TO PROVE THAT I AM VICTIM OF AN IDENTITY THEFT. I FELL LIKE AT THIS POINT XXXX IS DISCRIMINATING AGAINST ME. I HAVE SENT THEM A POLICE REPORT, IDENTITY THEFT REPORT. NOTARIZED DOCUMENTS AND FOR 6 MONTHS THEY HAVE NOT DONE ANYTHING. THE SAME ACCOUNTS WERE REMOVED FROM XXXX AND XXXX XXXX. SOMEONE STOLE MY INFORMATION, PRETENDED TO BE ME AND OPENED ACCOUNTS FRAUDULENTLY, NOW I HAVE BEEN BEGGING XXXX TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REORT. I HAVE ALSO REACHED OUT TO XXXX XXXX   XXXX AND TO US BANK LINE OF CRED, THEY BOTH CONFIRM THAT XXXX HAS NOT SUBMITTED ANYTHING TO THEM. NOW I FEEL LIKE XXXX HAS SOMETHING TO DO WITH THE FRAUDULENT PERSON THATS WHY THEY ARE NOT REMOVING THE ACCOUNTS, ITS BEEN 6 MONTHS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and seen inaccurate information, I tried contacting the company and they were very disrespectful and rude and being XXXX!! I wont tolerate disrespect or inaccurate information. Please handle this matter immediately!!

15 usc 1681i ( 5 ) 15us. 1681 b ( 2 ) Please remove these inaccurate inquiries on my credit report on experian XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/23 Remove these inquiries from my XXXX XXXXXXXX XXXX XXXX  Remove these inquiries from my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy that is reporting on my Experian Credit report that is not accurate. I keep disputing with Experian and they keep advising they verify the accuracy with XXXX XXXX. I have reached out to XXXX XXXX and confirmed there is not a bankruptcy reporting. This needs to be removed from my credit profile due to FCRA the bankruptcy is inaccurate information reporting. Remove this item. I have attached a copy of my XXXX XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous 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 is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Balance Owed : {$360.00} XXXX Inquiry Date XX/XX/2021
Product: Money transfer, virtual currency, or money service

( 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 requirement under the Electronic Fund Transfer Act. ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with my written instructions.

15 U.S.C 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

These Inquiries should not be on my credit report! XXXX ( Credit Inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX ( Credit inquiry on XX/XX/XXXX ) XXXX   XXXX XX/XX/XXXX ) XXXX  XXXX XX/XX/XXXX Ginny 's Inc XX/XX/XXXX!!! Now all of these are inquiries that should not be on my credit report. I have never applied for anything and have never had any accounts or Credit cards from any of these companies before! My Identity was stolen through identity Theft and yes I did report al of this? Can someone please look into this matter please Thank You