23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed numerous complaints with the CFPB in XXXX about Equifax 's willful, illegal injuries to me, including the denial of credit, less credit, and higher interest rates for credit when it was rarely granted. Please consider the following complaint in light of my previous detailed complaints about Equifax 's habitual, numerous abuses and injuries to me. 

Recently, I received a letter from Equifax dated XXXX XXXX, XXXX. A copy of it is herewith attached. Please note that the envelope for it has a post mark date of XXXX XXXX, XXXX, indicating that Equifax mailed this short letter four days after it claims to have written it. Alternatively, it may have post-dated the letter. 

In the first paragraph of the letter, Equifax announces, " We are writing to notify you about and to confirm a new current address that was posted to your Equifax credit file within the last 30 days. '' In fact, the so-called " new '' address is XXXX I have lived at for nearly 13 years. It is the same address that appeared in numerous letters I sent to in and which can be found in many of my XXXX, aforementioned, CFPB complaints about Equifax. Furthermore, Equifax goes on to announce that another address, " was ... reporting as your current address ''. 

I am baffled by Equifax 's statements. Are they suppose to constitute some kind of unacknowledged confession from Equifax , indicating that somehow it managed to ignore my address for well over a decade and despite the fact that I received a few credit reports from Equifax going back several years, but even as recently as XXXX, that had my correct address on them ( along with numerous false ones )? Indeed, Equifax 's real purpose in this strange letter is as opaque as the source of the second address that it claims to have been reporting another " current '' address. 

Why is Equifax allowed to hide the source of inaccurate information from me and why is it allowed to continue to use such grossly inaccurate sources of information to begin with? Why is Equifax allowed to so egregiously impose on my time by forcing me to provide janitorial services for its endless streams of sewage? Why is Equifax permitted such a grossly unfair and abusive modus operandi that assumes that I am guilty of so much falsehood until I prove my innocence, again and again, against its intransigent resistance? Who appointed it as such an incompetent and morally bereft arbiter of so vaulted a standard? Why am I not allowed to defend myself from the secretive, thoroughly corrupt collusion of Equifax and its nefarious, hidden sources of information?
Product: Mortgage

On XX/XX/XXXX I was approved for a loan modication from Pennymac. XXXX weeks later they did not honor the loan modification and will not allow me to apply for another one.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureau didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, they must update the following accounts from my file. 
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

I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

DEPTEDXXXXXXXXXXXX {$1100.00} DEPTEDXXXXXXXXXXXX  XXXX {$3000.00}
Product: Credit card or prepaid card

We have a XXXX credit card through Bank of America ending in XXXX. The card has the ability to transfer balances from other cards and have a 0 % interest for about a 12 month period of time. The balance if it is not paid off will then be subject to interest if that balance that was deferred is not paid off by a set date. We have come to find out that when we make payments now to the card because a portion of that original balance has come due because the 12 month period has expired ; when we go to make a payment, the Bank IS NOT paying off the higher interest balance assessed against card. It is in fact splitting the payment so that half goes to a lower interest or deferred amount and half goes to the higher interest amount. So, what the Bank is doing is manipulating the card to their favor so that the high interest balance continues to be present even though substantial payments are being made towards the card. They are loading the higher interest bearing portion in their favor so the consumer will then be assessed the higher interest balance for a longer period of time thus manipulating the card to their favor. For example, other deferred interest cards always have the payments paying off the oldest portion of the balance so the consumer does not incur severe accumulated interest penalties. Not this Bank and not this card. It is designed to keep the balance associated with the high interest active for the longest period possible so the consumer is leveraged with the highest possible interest. This is an unfair practice and highly deceptive. The significant payments being made should be going to the balance portion associated with the highest interest first. The Bank has twisted the payment to their favor. This is wrong and I certainly did not understand this to be the case when the card was opened or when I have had extensive conversations with the Bank customer service.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I initiated a bank transfer of {$800.00} to Revolut to fund the account. 

Revolut flagged the transfer as needing payment verification which I provided 3 times. 

I reached out via their help chat feature, the only way to talk with a representative, to ask for clarification on why my provided documentation was not sufficient. I was bounced around to many different representatives, often times having to wait XXXX hours to a response in the chat. I have a 26 page chat history from being bounced around so much. 

At first I was told that the provided documentation didn't match the account the transfer came from, then I was told that my husband 's name was in the memo field and that is why the transfer could not be completed. Then they asked for transfer confirmation from the other bank. Then suspiciously they didn't need the transfer confirmation and I received a note saying my account was fully functional and provided a 1 month premium subscription discount. 

Then my transfer changed from " pending verification '' status to " reverted ''. They claim they reverted the transfer on XX/XX/2022 and that within 5 business days I should see it in my other account. It is now XX/XX/2022 and there is no sign of the transfer being reverted.
Product: Credit reporting or other personal consumer reports

I pay child support weekly and they are not updating it I have late payments
Product: Debt collection

I have written the law firm and the firm administrator, XXXX XXXX. The registered agent, XXXX XXXX, also refused to respond to debt verification of the debt she is representing that I owe. The letter first letter is dated XX/XX/XXXX and the second in dated to XXXX XXXX dated XX/XX/XXXX. the letters were received and more than 5 days have passed for the latter and more than thirty days for the first. 

the letters have been received and reviewed an I have proof of delivery
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This SEQUIUM ASSET SOLUTION account with a balance of {$65.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my credit karma and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote me before. If they don't write me then how could send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract signed showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a XXXX XXXX XXXX and its owners, alleging that they collected more than {$24.00} XXXX from consumers, largely by placing bogus or highly questionable debts on their credit reports. The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX XXXX director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX XXXX I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment History Last payment XXXX XXXX, XXXX Current Payment Status In Collections/Charge-off Amount past due {$2500.00} Worst Payment Status No Info Account Details Account status Derogatory Type Charge account Responsibility Individual Remarks Charged off as bad debt Canceled by credit grantor Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Opened XXXX XXXX, XXXX ( 5 mos ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit reporting or other personal consumer reports

This is fraudulent! These companies are in violation of 18 U.S. Code 1028A. 

Also, I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer. 
15 USC 1681 section 602 A states I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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. 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. 

Also, they aren't even in compliance with Metro 2 credit reporting. 

I have evidence to prove my case! 

LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Frontline Asset Strategies on behalf of XXXX added a debt in collections to my credit report, reducing my credit score, after I disputed the debt 2+ months ago. I initially disputed the debt with XXXX  when I still had my cell phone service through them and they also were not able to provide details on what debt they were saying I owed. They only say I owe {$190.00}, but not for what. Frontline Asset Strategies never sent me follow up on my dispute and they never provided details on what they are saying I didn't pay XXXX I have proof I've paid XXXX  every bill over the last few years, but unable to easily provide the documentation because they are not providing the details on which months they are saying I did not pay. To have a debt in dispute status, not follow up at all or provide details, and impact my credit report is unacceptable.
Product: Money transfer, virtual currency, or money service

Refund from my purchase in XX/XX/2020 has been returned to PayPal. PayPal is refusing to release the amount only after 180 days to my bank as a wire transfer. 

Dispute Amount : {$150.00} USD Transaction ID : XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint agains Cash app ( Block, Inc. ) due to inadequate customer service unfair practices, which viloates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make 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 XXXX  years.

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

To Whom It XXXX Concern : I am writing to correct my personal information on file with your company. 

Please correct my address to : XXXX XXXX XXXX XXXX, XXXX, NC XXXX Please correct my name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX My only employer is : XXXX I do not wish to have any telephone numbers on my report. 

Please remove all the other addresses from my report, as they are not deliverable to me by the U.S.P.S., and they are not reportable as per the FCRA, since they are inaccurate. I have sent this to XXXX, Equifax, and XXXX  several times and they are still reporting inaccurate addresses. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

XXXX   XXXX   XXXX   /Ocwen (   XXXX   XXXX   XXXX   XXXX   XXXX   ) an nounced back in   XX/XX/XXXX /  XX/XX/XXXX  that  my house would be getting foreclosed and I had to leave premises. There was an auction on my front lawn. I was told after to leave and I did. Later I received a  XXXX  validating the foreclosure and  seizure of   said home. Also calls directly from ban k I no l onger owned home. I then started receiving calls from police and neighbors of drug activity and other criminal activity at house. as well as calls from board of health. I kindly stated I no longer owned house. this went on for over a year. finally I was notified a   XXXX   XXXX     XXXX  offender was squatting at the home and I could be held liable. Then I went to registry and noticed something wrong with deed. Only to find out there was an " illegal foreclosure ''. The registry was ambiguous at best with fake and faulty assignments. the bank without notifying me unforeclosed, when they realized they did the foreclosure illegally. but by this time I had already moved. TO THE POINT A   XXXX   XXXX   REGISTERED AS LIVING THERE! I removed   XXXX   XXXX   and secured the house through out the years spending a great deal of monies. The bank started sending me bills as if there was never a foreclosure and I lived there the whole time. I tried to explain how unfair it was to have me vacate, tell me I do n't own it, send me tax certs saying I do not own it. I was only a few months behind originally when it was foreclosed. then years later. say I own it. and now I owe all the money plus fees etc. I tried to explain how this makes no sense. if you took  it ( foreclosed ) legal ly and I was only 3 months late. How can you tell me years later, Oh we made a mistake and you owe all mortgages since the beginning? So the original bank, was   XXXX   XXXX   XXXX   contacting me and now ocwen.
Product: Money transfer, virtual currency, or money service

I thought I was buying XXXX XXXX tickets through an old friend on XXXX but it turns out her XXXX was hacked and I was never actually talking to her. I sent whoever it was {$1000.00} and then they blocked me and took my money. The date was XX/XX/year>. I called my bank-XXXX  and made a dispute and they told me there was nothing they could do because it was zelle. Zelle also told me there was nothing they could do because it sent immediately
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention the presence of unauthorized and unknown inquiries on my credit report. These inquiries have appeared without my consent or knowledge, and I urgently request their immediate removal. 

Upon reviewing my credit report, I discovered the following unauthorized inquiries : I have not authorized any entity to access my credit information, nor do I have any business relationship with the entities listed above. These unauthorized inquiries are adversely affecting my credit score and financial standing. 

I understand the importance of accurate reporting and the need to protect consumers from identity theft and fraud. Therefore, I urgently request the following actions be taken : Immediate Removal of Unauthorized Inquiries : Expedite the process of investigating and removing all unauthorized inquiries from my credit report. 

Enhanced Security Measures : Implement additional security measures to prevent unauthorized access to my credit information in the future. 

Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the unauthorized inquiries. 

I kindly request your prompt attention to this matter to ensure the integrity and accuracy of my credit report. Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the removal of the unauthorized inquiries. I am asking for your assisstance to remove these unknown inquiries in my credit file : 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
Product: Credit reporting or other personal consumer reports

I moved to TN in XXXX I will double verify day and year when I got an apartment at XXXX XXXX it seemed great at first the complex was over run with XXXX the dishwasher had standing water in the the stove only cooked on high the AC leaked water all over carpet under air handler the bathroom ceiling started to cave in I had a caregiver when I moved in the management was aware my caregiver an I got approached by management and was asked to keep our ears open and let her know who is doing what and with who and we would pass apartment inspection when we declined nothing got fixed she went to the extent of banning and trespassing my caregiver denied me XXXX other caregivers when the hud inspection came the apartment failed for the doors for the ceiling they came and took all the doors including my bathroom door off the hinges I had to fight to get bathroom door put back on then covid hit and the management forced me to move out in the middle of covid the apartment passes their inspection 2 days prior to failing huds i have wrote to all the credit bureaus about it yet its on my credit report and background
Product: Debt collection

Original creditor   XXXX   XXXX   XXXX   XXXX  (   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX  , KS  XXXX  ), is reported on my credit report on all  XXXX  bureaus as a collection debt. This debt was paid on  XX/XX/2014    for  XXXX  to a debt collector  ( Ad Astra Recovery Services    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , KS  XXXX  ).  Ad Astra b ought the debt from   XXXX   XXXX  . I want this debt to be removed. They show inconsistent data across all  XXXX  credit bureaus and no visible account number can be seen.
Product: Credit reporting or other personal consumer reports

These accounts have no monthly historical data are reporting negatively in my credit report. These prejudices my rights to accurate information about my credit and violates my rights. Remove these immediately.