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

Mid-XX/XX/XXXXI received a letter from the XXXX XXXX, XXXX XXXX XXXX, XXXX, NE XXXX Fraud Prevention Department that they had placed a temporary block on my account because of suspicion of fraud and asked that I call them about the matter. Because I am XXXX XXXX I can not use the phone so responded to their letter by USPS mail telling them that I had not used the credit card involved in over 6 months and it indeed was probably a case of fraud. 
I received NO RESPONSE. 
Mid-XX/XX/XXXX I received an exact duplicate of their XXXX letter. 
Later in XXXX I received an invoice from XXXX XXXX MasterCard for {$180.00} with a transaction date of XXXX listed as a description " XXXX XXXX '' XXXX I noted on copy of invoice that it was a fraudulent charge and sent them a copy of my XXXX letter. NO RESPONSE. 
Asked my daughter to contact them by phone to settle the matter and get a replacement card. Received replacement with an expiration date of XX/XX/XXXX. Card no good. 
Daughter called again requesting a corrected card but card never arrived. Daughter called again and was told there was a balance due on card and new card could not be issued. Fraudulent charge had been deducted but interest they charged was still listed as a balance due. Daughter called again and asked to cancel card because of difficulty dealing with them, to which they agreed. 
The next day I received an email from credit card services telling me that my FICO score had been changed from XXXX to XXXX. 
XX/XX/XXXX I wrote to XXXX XXXX, Customer Care Sr. Specialist ( only name I had through all correspondence concerning the matter ) that they request my credit score be reinstated immediately because of their error or I would file suit against XXXX XXXX. It is now 14 days later and I have had NO RESPONSE. 
XXXX XXXX is deliberately jeopardizing my credit rating and I am contacting you for advice and help before I file suit against them.
Product: Mortgage

Wells Fargo sent me a letter stating that my mortgage had an escrow shortage. I paid it for a specific amount. Wells Fargo applied that amount to my principal instead of my escrow shortage. XXXX XXXX is the customer service agent. She stated that I did not provide any instructions with my escrow shortage payment. 
I have made all of the payments through my own personal bank for several years, including escrow shortages. Wells sent the letter with no instruction to me that I had to provide instructions for the payment. I never have needed instructions before. This letter does not say that I have to provide instructions. Instructions how exactly? I have never provided instructions before. 
XXXX told me that I did not provide instructions with my escrow payment. The letter did not state that I needed to provide instructions. XXXX stated that it is in the mortgage when I closed. Well, I did not close with Wells Fargo. I closed with another provider and Wells Fargo bought the mortgage. Now Wells Fargo has sold the mortgage to XXXX XXXX and I have to call XXXX XXXX. 
The Escow payment was applied wrong by Wells Fargo and now my mortgage payment has risen to where I am now paying off the shortage- which I paid and Wells Fargo messed up. 
XXXX stated that this they did not make the error because I did not provide instructions ... to paying money that they asked for ... and not telling me that I needed to provide instructions. Wells Fargo is terrible, unethical, and crooked thieves.
Product: Debt collection

See attached letter for more details. They have called and still call my cell and my mothers landline. I do not owe a dime. XXXX XXXX XXXX does and I am in no relation to her whatsoever. I havent spoken to her in years! There is also another company besides this one that is also calling me. Thats why I have two reports. Please note the two different companies however both are for XXXX XXXX.
Product: Debt collection

Under the fair credit act, Its a violation of the collection practices act for a debt collector to refuse to send a validation notice or fail to respond to your verification letter - I sent letter on XX/XX/2021 date VIA USPS certified mail. 

PORTFOLIO RECOVERY Last XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not informed that my personal information ( including my social security number, address, and other information ) was breached several months ago. I have still not been contacted, even after the news broke. I do not know, and it appears, have no way of knowing the full extent of what information of mine was breached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a few issue with old or inaccurate information and unverified accounts on my credit report. There is an account from XXXX XXXX XXXX # XXXX, is in current status and was never late please remove the 90 days late not accurate?? I have an account that was resolved with the original creditor. I never done business with XXXX XXXX XXXX # XXXX please delete. I have a unverified account XXXX XXXX XXXX OHIO DOCKET # XXXX this account is not accurate please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 


XXXX FI XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX ; XXXX XXXX XXXX ; Chapter XXXX Bankruptcy XXXX ;
Product: Credit reporting or other personal consumer reports

Checkr ran a background check on me in XXXX and it is now XXXX. XXXX is holding it against me and checkr won't run a new background check to show current information. Checkr keeps telling me to contact XXXX to initialize a new background check and XXXX keeps telling me to contact checkr to dispute any information on the background check. But there is no where to dispute the information because it's so old.
Product: Money transfer, virtual currency, or money service

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

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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

In XXXX of 2016 I turned in my leased vehicle ( leased by XXXX XXXX # XXXX ) to XXXX XXXX XXXX, XXXX. Since I turned the car in a couple of months early I had a balance of {$1700.00} left. On the day of my turning the car in my salesman and I talked to a representative of XXXX to tell them what I was doing and that XXXX was going to pay off the balance of the lease agreement. There was no problem and the transaction was given the go ahead. Lo and behold, in XXXX I started getting letters from XXXX demanding payment and threatening Collection. In XXXX I received an officious letter from SELIP & SDTYLIANOU, LLP demanding payment. Throughout all this time I had been in contact with my salesman ( XXXX XXXX XXXX XXXX ) who confirmed that XXXX had paid. In fact I am holding a copy of their cancelled check as I write this. On two occasions I have FAXED the above named company, I have called both XXXX and Selip but to no avail. I only became aware of how dire this situation is when I tried to open a Credit Card and was informed I had a severe overdue account. Hopefully, this situation can be rectified with the credit bureaus and all other entities. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX Selip & Stylianou , LLP XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, NY XXXX XXXX XXXX
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 XXXX 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 XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXXdays n 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

I had got behind on my payments. When I able to make payments, I logged into the website and it states that I am in collections with XXXX and to call them at XXXX and have to make payments through the collection agency ; {$920.00} for XXXX  months and they are adding monthly interest of {$76.00} back to my balance. I see the payment of {$920.00} was updated to my account but my credit report shows that I have not made any payment for over XXXX  months. That's incorrect. 

The website states that my next payment is due on XX/XX/2024 for {$120.00} which is not what was said previously. 

When I look up the debt on my credit report, it's for their previous company name, XXXX XXXX  XXXX. This doesn't even match who they are now. It shows I'm in collection but it is not coming up as a collection on my credit report. They are making even more money on me by adding back interest like they are a collection company. They are supposed to be helping small businesses like myself but are inactuality making money off of us.
Product: Money transfer, virtual currency, or money service

I would like to try transfer in domestic account ... 
but shows " Invalid account status '' which is active & current thus transfer is not available
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX Balance : {$180.00}, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$750.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

15 U.S. code {$1600.00} c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt its been 30 days and you are in violation of this law because I am a victim of identity theft!!! Please delete these items immediately!!!!!!

These accounts should not be furnished on my consumer report as they are in violation under 15 U.S code 1681b- permissible purposes of consumer reports ( a ) in general to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates I never gave any consumer reporting agency written consent to report anything on my consumer report which violates my rights as a federal protected consumer no consent is identity theft as a consumer I am demanding the deletion of the accounts listed immediately!!!!!!
Product: Credit reporting

During an evaluation of my credit report, I noticed a company by the name of XXXX billing which is in California. I contacted the company to find out what type of business they were and the rep told me they finance auto and home. She attempted to look me up in their system by using the last XXXX digits in my SSN and my last name. She could not locate me and I asked her why were they on my credit report and she said she did n't know but it could be a case of identity theft. She told me to contact XXXX and let them know. They would contact XXXX billing and XXXX billing would tell them I am not in their system. I did that. Now I 've received a letter from Equifax stating that XXXX billing is not reporting on the Equifax credit file. That is not my XXXX dispute and I made it clear to them. My dispute is why is this company on my credit file and I 've never done business with them?? I 've never heard of them. I want them off of my XXXX credit!!! I 'm sick of this!
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 Bureau 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 : Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Student loan

I received a voicemail asking me to call back to talk about changes to my student loan repayment options. The woman who left the message said her name was XXXX XXXX and said I could reach her at ( XXXX ) XXXX. I believe that this is a scam because the woman did not say my name or the name of my loan servicer in the message that she left.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claim adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Debt collection

While reviewing my credit report, I noticed several accounts that should not be on my credit report. I have written several letters disputing these accounts as they are in violation of numerous Federal laws. 

XXXX # XXXX XXXX XXXX XXXX {$1700.00} XXXX # XXXX XXXX XXXX XXXX {$1100.00} XXXX # XXXX XXXX XXXX XXXX {$1300.00} XXXX # XXXX XXXX XXXX XXXX {$830.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$99.00} These items were placed on my credit reports without any prior notification in Violation of the No Surprises Act. 

These accounts are also in violation of the precedent set by XXXX XXXX XXXXXXXX, which states that the burden of proof is on the reporting agency and not on the consumer and that they have a duty to actually conduct a real investigation, which they never do. 

And that is on top of all of the reporting violations and inaccuracies that I have found. 

I have never been provided any documentation by the reporting agency or the original creditor. Every time I request it, I am ignored. 

They say that the accounts were verified, when I know they have not been verified. I have been asking for months for them to verify the accounts with supporting documentation. As of today 's date, they have not verified anything, which makes the accounts unverifiable, which makes them inaccurate, which means they has to be deleted. 

I have written them several times, all to no avail. They willfully and continually violate my rights under Federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly stored my personally identifiable information and it was divulged in a security breach earlier this year. It will now be more difficult for creditors to positively identify me when I apply for credit for the rest of my life. This is entirely unacceptable and Equifax should be pursued to the fullest extent of the law. Equifax is currently only offering me help and restitution if I agree to waive my rights to legal arbitration, which is also unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$10000.00} XXXX XXXX Balance : {$970.00} XXXX XXXX Balance : {$640.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$49.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX ) XXXX Balance : {$1700.00}
Product: Debt collection

I have never heard of this company today. First National Collections Bureau , Inc texted me today for the first time. I have never received a validation of debt from them. I have no idea who they are or what debt they think I owe and from whom. This is a complete violation of the FDCPA. This is not a legal form of communication. I have attached a screen shot of the text message.