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

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. c 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act under 15 USC 1681, everything has to be 100 % accurate on my credit report. I specifically asked the Equifax, XXXX, and XXXX to " investigate '' these accounts to make sure EVERYTHING is 100 % accurate. Account : XXXX XXXX XXXX XXXX XXXX  They responded and said everything is 100 % accurate. THEY ARE COMPLETE LIARS. I have downloaded my most recent credit report and there are several inaccuracies, which means they didn't do a proper investigation as required per the FCRA. The high balance, date of last activity, date opened, are all reporting different numbers. How are they all reporting differently if they are getting their information from the same source!!!!!! 

Also the companies have violated my rights several times under 15 USC 1681. According to : 15 U.S.C 1681 Section 602 A : States I have the right to privacy. According to : 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions. According to : 15 U.S.C 1681s-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 inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I saw a deal for a XXXX XXXX bundle for {$320.00} and made a purchase of for a total of {$330.00} from XXXX. I was prompted to us XXXX XXXX transfer for my purchase which I ended doing because it was a company affiliated with my Bank, US Bank, and a large number of other notable banks which made me think this process wasn't risky like giving your credit card out online for example. Right after I realized I had been scammed, I initially tried to request the money back through XXXX which ended with the seller declining my request a few days later after they had deleted the site. Also a day or so after I made the request, I called XXXX to see what they could do, but I only got a recorded response to go seek out my Bank which I ended up doing. I contacted my US Bank to see what they can do to help me, and was told to file a fraud dispute in which I explained what had happened and stressed the fact that I had been scammed and actions needed to be taken quickly before what I feared would happen would happen. I did not get a response back from US Bank until it was too late and over a week later the site had closed and disappeared from existence. I later got a letter with a line that read : My dispute has been dropped due to the seller receiving payment., which I read as saying my dispute has been dropped because the scammer collected the money. I tried calling US Bank for clarity and was told that the fraud dispute was declined because XXXX declined the request to get the money back. I was also told that this type of occurrence/scam is very common, and they hear a multitude of complaints regarding this problem and that there is nothing I can do to get my money back. Why is this a problem US Bank and XXXX has? If this is a common occurrence, and many people are troubled by it, why isn't anything being done to prevent it. By not fixing the problem, the two companies are essentially leaving the door open for scammers to utilize this method. If its broken fix it which is something not being done since all they have in place is a are you sure you want to make this transfer pop up. When you type in XXXX scam or XXXX fraud into the XXXX search engine you will find several articles about XXXX scams and nowhere will you find info from XXXX regarding scams and fraud, something that should be there base on the type of business being conducted. Why is XXXX not approaching the topic of scams and fraud when it is their company that is being exploited.
Product: Credit reporting, credit repair services, or other personal consumer reports

The three credit bureaus continue to allow XXXX XXXX XXXX to report XXXX medical bills on my credit profile, due to HIPPA violations, but they refuse to fix the glaring issue. This collection agency is revealing specific information about the medical facilty where the bills originated to be seen by potential creditors. My medical information is private, and this collection agency continues to violate my rights of protection, covered under this federal law. I have made repeated attempts to have the credit bureaus take action to correct this issue, but they continue to be complicit in allowing this collection agency violate federal HIPPA law.
Product: Money transfer, virtual currency, or money service

I received a XXXX form from XXXX ( Block Inc. ) indicating that I was a payee in XXXX " card-not-present '' transactions, totaling {$2400.00}, for tax year XXXX. I have no knowledge of these transactions. Obviously, I was the victim of fraud/identity theft, where a criminal obtained my name, address, and XXXX through a breach of some kind and used that information to open a payment account in my name. Wanting to close this account immediately, I contacted XXXX asking them how I could do this promptly, and unfortunately they made no effort to address this matter in any assertive manner. After speaking to both an anti-fraud and customer service representative ( I put my husband on the phone to speak with the latter ) we were told that our only recourse was to go online to close the account. However, there would be no way to access the account because the criminal used a novel email address/phone number that I can't access. We were finally told that, even though the XXXX XXXX  was open, they could not close the account because they have so many other requests. Instead, I would receive an email within XXXX business days with instructions on how to close an account. But I made the call on XXXX, meaning that fraud will continue to be committed in my name over the weekend. When my husband challenged the customer service representative to ask why they weren't taking more concerted action to help me, the representative 's response was : " Well, your wife is not a customer. '' This is just unacceptable. An actual customer stole my information, opened an account I can't access using my personal information, and I am powerless to do anything about it. With cash.app so unwilling to respond to this matter with any assertiveness, they are essentially an accessory to the crime. Unbelievable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report on XXXX at XXXX, Transunion and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, Transunion, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XXXX XXXX XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, I have disputed a bankruptcy with XXXX XXXX reporting agencies XXXX, XXXX and TransUnion. They are reporting an inaccurate bankruptcy in my public records. So I did some investigating and contacted XXXX. XXXX sent me a letter stating the XXXX XXXXr reporting agencies reported the address XXXX XXXX XXXX, XXXX, NC XXXX back to XXXX when I disputed this bankruptcy. I ( HIGHLIGHTED ) the sentence of the ATTACHED document. THIS ADDRESS IS NOT ON MY CONSUMER CREDIT REPORT. I also called the three credit agencies and recorded the call. I asked the agents if this address was on my report and the agents said, NO. I REQUEST A REINVESTIGATION. Refer your investigation to the document XXXX sent me as evidence that the address is inaccurate and the bankruptcy must be removed. This clearly is a violation of the FCRA 15 U.S code 1681s-2- Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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 inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

XX/XX/XXXX US Bank increased my escrow withholding {$980.00} each month ( {$11000.00} per year ) My total increase in Home Equity Insurance and Property for the same period increased {$690.00} XX/XX/XXXX US Bank erroneously projected a low balance of {$4400.00} based on incorrect calculation of my home owner 's insurance {$100.00} XX/XX/XXXX XXXX XXXX XXXX  withholds {$3800.00} as prepaid Home Owner 's Insurance XX/XX/XXXX US Bank Increased " Required Low Balance '' to {$2700.00} a 38 % increase from XX/XX/XXXX XX/XX/XXXX US Bank fails to abide by the XXXX XXXX stipulation " The sale of your mortgage loan to XXXX XXXX does not affect ANY TERM, payment or condition of the mortgage " by raising my " escrow unreasonably to usurious amount XX/XX/XXXX US Bank demands payment of {$700.00} to drop them from paying my own property taxes and homeowner 's insurance also failing to abide by XXXX XXXX XXXX XXXX Agreement
Product: Debt collection

IC Systems and XXXX have been provided the Identity Theft report regarding an account that was the result of ID Theft.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this breach :. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am writing to formally request the removal of an inaccurately reported charged-off account with Regional Acceptance Corporation XXXX XXXX from my credit report. The account in question is being inaccurately reported in violation of the Internal Revenue Code and Fair Debt Collection Practices Act. According to the Internal Revenue Code, charged-off accounts are considered certificates of indebtedness and should be classified as income. As income can not be reported on a consumer report as a debt, the current reporting of this account constitutes inaccurate and misleading information on my credit report. The specific sections of law that support my claim include : Internal Revenue Code Section 61 ( a ) : This section defines gross income, including income from discharge of indebtedness. A charged-off debt should be reported as income, not as an outstanding debt. Fair Credit Reporting Act ( FCRA ) Section 1681s-2 ( a ) ( 1 ) ( B ) : This section mandates that furnishers of information, such as Regional Acceptance Corporation XXXX XXXX, must not report information that they know or have reasonable cause to believe is inaccurate. Fair Debt Collection Practices Act ( FDCPA ) Section 1692e : This section prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Additionally, I have not received the Form 1099-C, which is required for me to properly remit my taxes for the discharge of this debt. This oversight further emphasizes the inaccuracies in the reporting of this account. Due to these inaccuracies, I request that this charged-off account be promptly removed from my credit report. This adjustment will ensure the accuracy of my credit report and compliance with the applicable laws.
Product: Credit reporting or other personal consumer reports

Equifax is accepting incomplete, inaccurate & unverifiable account information without investigating. My requests for 24 months historical data are being ignored. My credit score has suffered because of the inaccurate, unverified information. XXXX XXXX has a poor consumer rating & is clearly doing the same thing to many other consumers. They need to be stopped! Every time I present factual account information the information is used against me & changed!! I can provide verification of all payments made to challenge the inaccurate information. I NEED the requested information to challenge the inaccuracy. Please provide! Im attaching the data provided from XXXX. It clearly shows NO data for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX  & XX/XX/XXXX! XXXX shows a payment of {$2200.00} & XX/XX/XXXXXXXX  shows a payment of {$100.00}! 
Now, XXXX is requesting that I send them a complete, unabridged copy of my credit report! Why? But I WILL provide a copy of my FICO score from XX/XX/XXXX. FICO XXXX & after XXXX reported dropped to XXXX! I can assure you that I didnt have a XXXX FICO from not paying my bills!!
Product: Payday loan, title loan, personal loan, or advance loan

This account has been on my credit report for more than 7yrs. It keeps updating on my credit report to appear as if it's a recently opened account to be able to stay active on my credit score. I have tried to dispute this to get it taken off multiple times but it has not been removed. This account is old to where I do not have the dates or amounts.
Product: Mortgage

failure to provide continuity of contact in a timely manner. on several occasions over the past couple of weeks both via e-mail and telephone I have asked Ocwen to contact me regarding questions I had about their loan modification offer. to date they have failed to contact me regarding.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per XXXX XXXX XXXX - XXXX, XXXX and Equifax have not fulfilled their obligations in investigations per 15 USC 1681a ( 1 ) ( 2 ) ( 3 ) ( 4 ). During their neglect in completing these investigations in the disputes that have been made, I have received adverse actions and have been discriminated against due to inaccuracies, false reportings & misuse of my assumed consumer report. There has been no thorough investigations nor thorough reinvestigations pursuant to 15 USC 1681i by any of these credit reporting agencies, which places them in violation of 15 USC 1681n. There is no proof that I have given them written or verbal consent in reporting anything on my assumed consumer report or to furnish an assumed consumer report with some of my private personal information that was obtained fraudulently. This is in violation of my rights as a consumer and I demand this to be rectified. They have deleted " chosen '' false information that was previously on my consumer report, however, are continuing to furnish items on my assumed consumer report that negatively impact my rights as a consumer without any just investigation, reinvestigation or explained verification that they verified the information is correct. They are wilfully denying my right as a consumer, and are therefore acting wilfully unlawful and are federally due to be held accountable. 

A link is provided via the source of their fraudulent and unlawful activities ( lack thereof ). 
https : XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX under the account number ( XXXX ), XXXX XXXX  under the account number ( XXXX ), XXXX XXXX  under the account number XXXX ), I do not recognize the aforementioned accounts as reported. The aforementioned accounts appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All if the aforementioned accounts are a result of identity theft and fraud. I have attached a copy of a FTC Identity Theft Criminal Complaint Case XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts are a result of identity theft and fraud. 

MY REQUEST TO BLOCK IS NOT BEING MADE IN ERROR ; NOR IS MY REQUEST TO BLOCK BEING MADE ON THE BASIS OF MATERIAL REPRESENTATION OF FACT BY ME RELEVANT TO THE REQUEST TO BLOCK THE IDENTIFIED TRANSACTIONS. I HAVE NOT knowingly obtained or should have known that you obtained possession of goods, services, or moneys as a result of one or more of the transactions that you are seeking to block.
Product: Credit reporting or other personal consumer reports

This complaint is being filed in regards to the many violations being reported on my report. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( no 281 SW 715, 719, I presume that no proof under the alleged debt, therefore any such debt, in fact exists. Therefore I demand those accounts to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Product: Mortgage

I complained to my previous mortgage holder ( Arc Home LLC ) regarding the interest they charged me during the escrow closing when I refinanced the mortgage on my property at XXXX XXXX XXXX XXXX, XXXX CA XXXX. I sent them a letter on XXXX XXXX, XXXX via registered mail and got receipt that they received my letter. However, its been 7 weeks already and they still have not responded to my complaint. 

I sent the letter to Arc Home LLC Attn : Mortgage Resolution XXXX XXXX XXXX XXXX XXXX, VA XXXX and provided them my name ( XXXX XXXX ), phone no ( XXXX ), my loan account no ( XXXX ), and my address ( XXXX XXXX XXXX XXXX, XXXX CA XXXX ). Note that my loan to them has been fully paid off so this loan number is no longer active in their system. Below is what I communicated to them in my letter. 

XXXX On XXXX XXXX, XXXX, the above loan was fully paid off because I refinanced it with another lender. The escrow closing document showed {$1400.00} of interest was charged ( up to XX/XX/XXXX ) but also offset by a credit of {$370.00} ( from  XX/XX/XXXX to XX/XX/XXXX ), each one at a daily interest charge of {$41.00}. So effectively, my account was charged extra interest for 2 days ( XXXX XXXX and XXXX, XXXX ), even though the escrow already closed on XXXX XXXX, XXXX. This extra 2 days interest I believe should be refunded to me. If you think I miscalculated, then please provide me your own calculations that will show why those extra days interest should not be refunded to me. 

I had previously used your website to get this issue resolved but I only get an automated response and a ticket number and on my last attempt ( last XXXX XXXX, XXXX ), I got an email stating that your email id XXXX is no longer being monitored and I should call instead. However, when I did that, your automated phone system would not take in my social security number or loan number when prompted, so essentially your phone system would not allow me to be connected at all to any of your departments or to leave a voice mail. I sent an email to XXXX ( which I got from your website ), but I also did not get a response from that email address. 
=======================================
Product: Credit reporting or other personal consumer reports

The account has been paid in full and i want the account removed immediately