23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I filed bankruptcy XX/XX/XXXX and several debts that were discharged now show they were " charged off '' after the bankruptcy. My disputes for each account to the XXXX XXXX XXXX XXXX credit reporting agencies as well as attempts to resolve directly with the creditors have failed. Each agency and creditor refuse to correct the information and cite that it is " accurate ''. These accounts were not charged off prior to my bankruptcy. They began reporting a charge off after my bankruptcy. This results in each of the accounts being identified as derogatory with a charge off after my bankruptcy. This is a significant factor for lenders who review my credit report because they see accounts " charged off '' after bankruptcy which is misleading as to my credit worthiness. It is my understanding that the creditors may charge off an account after bankruptcy for their internal accounting purpose, but reporting a charge off after bankruptcy is a violation of credit reporting and bankruptcy statutes. I have sent correspondence multiple times, return receipt requested, with specific information that should be corrected. It remains in error and at this point they refuse to further investigate despite my repeated attempts. The credit agencies and creditors have also ignored my requests to provide their methods of verification after my disputes under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) ; it is my position that neither are unable to provide a method of verification because they are unable to do so. I have repeated the process of dispute when these charge off were reported after bankruptcy for each creditor that is reporting a charge off. Some are not only reporting a charge off after bankruptcy, they changed payment history to reflect a charge off prior to bankruptcy which is untrue. Prior credit reports show that the accounts were not charge off prior to bankruptcy. The credits retroactively changed payment history to charge off after bankruptcy. The creditors who are engaging in these actions XXXX. For example, all of these creditors are reporting that the account was charged off in XX/XX/XXXX -- -after bankruptcy. XXXX specifically retroactively entered charge offs prior to bankruptcy when accounts were not in charge off status.
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 resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss with dates ranging from XXXX to just recently this past year of XXXX.
Product: Credit reporting or other personal consumer reports

A federal court issued an injunction preventing the XXXX XXXX XXXX XXXX  from Implementing Save and IDR plans under various programs including PSLF. My account was placed into forbearance initially with XXXX when the injunction occurred and then with Ed Financial on the basis of this ongoing litigation. However, I have received several late payments on my credit report without any notification my accounts were being removed from forbearance nor did I receive a notification of incoming bill. This forbearance is said to last until this matter is settled. The injunction is still in place as of XX/XX/year>. I am requesting the no payments/late payments be removed on the basis listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Credit Report, I noticed there were accounts reporting to my credit that I did not open, when I started checking dates, I seen that the accounts were opened when I was on military leave. I wrote and called about my disputes and explained the situation, that the accounts are not mine and they need to remove them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Ss # XXXX XXXX XX/XX/XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, Ga XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Block and Delete Fraudulent Accounts under 15 USC 1681c-2 ( a ) Dear Equifax, I am writing to request the blocking and permanent deletion of fraudulent accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2 ( a ). I have been a victim of identity theft, which I believe occurred as a result of the data breach involving Equifax. 
Below are the accounts that have been fraudulently opened in my name and that I request be immediately blocked and deleted : XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$14000.00} XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$25000.00} XXXX. XXXX XXXX XXXX Account Number : XXXX ( Charge-off # XXXX ) Date Opened : XX/XX/XXXX Balance Reported : [ Insert Balance ] XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$2200.00} XXXX. XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$7200.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$4600.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$4600.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance Reported : {$1100.00} I have enclosed a copy of my identity theft report filed with the appropriate authorities, along with other supporting documentation ( e.g., a police report, FTC Identity Theft Report ) to verify my claim.

Under the FCRA, Equifax is required to block the reporting of information that resulted from identity theft within four business days of receiving my request and supporting documentation. Therefore, I kindly ask that you : 1. Block the reporting of the above accounts.

2. Delete any references to these fraudulent accounts from my credit file. 3. Send me written confirmation of the actions taken.

If you require additional information or documentation to process this request, please contact me promptly at the details provided above.

Thank you for your attention to this matter. I appreciate your cooperation in protecting my credit file from further harm caused by identity theft. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 : XXXXXXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX XXXXXXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX  Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account XXXX : XXXXXXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX XXXX has violated my rights .

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 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.
Product: Debt collection

LVNV, I am seeking to send an affidavit to you all register agent and need to have your registered agents information presented to the constable to serve papers. Please provide the register agents information through this CFPB portal. Marking this complaint as a duplicate will be used to notify the civil claims court that LVNV is refusing to provide register agent information to serve paperwork.
Product: Mortgage

Re case number XXXX. 

please either reopen the prior case or look into the problem in a new line of evidence I am XXXX XXXX. I got a loan of {$120000.00} from XXXX  XXXX for remodeling my house. I had to remodel my house only using XXXX  XXXX designated contractor who stole the money and didnt do the job which is proven by the court. The court affirmed that the contractor is a fraud. Please, see the attached documents. 

XXXX  XXXX should have removed their loan from my mortgage in XXXX  XXXX XXXX, but I continue to pay currently about {$2000.00} per month, resulting in over XXXX annually. 

It is not fair that I have pay a loan money that were stolen by the contractor, and my house still needs remodeling. 

The only job in the house was done was solar panel installation which costs {$13000.00}, but I have to pay {$65000.00} by contract. It is installed on the north side of the house which is not working. The contractor should have installed solar panels on the south side of the house. 

Last complain of mine got a response from a XXXX  XXXX XXXX which has nothing to do with my situation. Their job is only to get my money to pay XXXX  XXXX who put me in trouble. this is why XXXX  XXXX needs to remove my loan and request money from their contractor who practically stole them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, i made contact with XXXX XXXX XXXX XXXX Vice President/ Counsel with the intentions to settle the allege student loan debt by way of debt validation letter. In XXXX of 2019 XXXX sent me a threatening letter stating, they will take my earnings and money in private bank account if i don't pay up. Under duress and fear, I made payment XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 [ see receipts ] to date, XXXX reports inaccurate information, and fails to update their account. In XX/XX/2019, i made payment in full [ see receipts ]. XXXX continues to report inaccurate data, and continue to report the accounts as charge off/ failure to pay ; XXXX   agent XXXX receive notice from me with correct information [ see attachment ] but refuses to correct the record. I want XXXX to stop sharing my private data and information, without my written or express authorization.
Product: Credit reporting or other personal consumer reports

The personal information being reported on my credit report is not 100 % accurate. I only have XXXX name and spelling and XXXX address. My name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX XXXX XXXX. Any other names or addresses are inaccurate or no longer valid and must be permanently deleted from the credit report. Otherwise I can not be properly identified by banks and other institutions. I have already tried to resolve this issue and it seems that I was not heard. I have attached a copy of my identification for reference.
Product: Money transfer, virtual currency, or money service

2- {$1000.00} transfers were made between my XXXX XXXX  account and the Cashapp account I opened account number XXXX XXXX XXXX XXXX also known as Square inc. on XX/XX/2021. 

The funds were debited from my XXXX XXXX  account in XXXX New Jersey but Cashapp ( Square inc. ) states they failed to receive the funds and promised to resolve it but now has blocked my calls or attempts at contacting them. 

I have not been able to get Cashapp that also goes by XXXX XXXX  and Square to return the 2- {$1000.00} transfers. 

Cashapp will not answer the phone or answer any of my texts. XXXX XXXX  sent me the information showing the transaction took place. I believe that Square ( Cashapp ) and XXXX XXXX  has my {$2000.00} and both XXXX XXXX  and Cash.app are legally obligated to secure and return the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kay Jewelers is in violation of the Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports, and Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments. Kay Jewelers is reporting a 30 day missed payment on my credit report. Truth and Lending Act 162 15 U.S.C. 1666a Regulation of Credit reports states, " If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. '' Truth and Lending Act 163 15 U.S.C. 1666b Timing of Payments states, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

A LOAN WAS OPENED IN MY NAME AROUND XX/XX/2019 FOR {$20000.00}. 

ACCOUNT NUMBER XXXX I FIRST OUT ABOUT THE FRAUD AROUND XX/XX/2019 AND PROCEEDED TO FILE A REPORT WITH THE FTC FOR IDENTITY THEFT. 

I MAILED A DISPUTE LETTER TO PENTAGON FEDERAL ON XX/XX/XXXX REQUESTING TO CLOSE THE UNAUTHORIZED ACCOUNT AND TO TAKE STEPS TO REMOVE THIS ACCOUNT FROM MY CREDIT FILE. I PROVIDED A COPY OF THE IDENTITY THEFT REPORT, PROOF OF IDENTITY AND A NOTICE TO FURNISHERS OF INFORMATION. 

THIS WAS SENT BY CERTIFIED MAIL, TRACKING NUMBER XXXX AND RECEIVED XX/XX/2019. TO DATE THERE HAS BEEN NO RESPONSE FROM PENTAGON FEDERAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has reported my account 30 days past due which is false I send in a payment before XX/XX/XXXX and the company lost it in there system and today on XX/XX/XXXX the company reported my account 30 days past due and this company dont take debit cards and dont have a phone number to call to make a payment and I dont have a linked checking account and I sent them proof of my money order 3 times and I dont get a response back and some would told me they cant do anything to fix my error on my credit report both Experian and XXXX  this is hurting my credit and I dont want do any business with this company and I want them to fix the error and delete my account they give out small loans and they dont have a phone number and unable to accept both of my debit cards ..
Product: Debt collection

Over the five years since my bankruptcy, this debt collection company has called my place of employment telling co-workers and bosses that may wages will be garnished, and i will be served. I provide them with my lawyers name and number, but they never call. 

Today they called and left a message on the main number stating " this is XXXX XXXX and there has been a complaint filed against you. Please you or your attorney contact the age at XXXX. '' When I called they said a judgement was granted against me and they were going to garnish my wages now that they were able to verify my employment.
Product: Debt collection

TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Debt collection

My wife had been paying on a debt from XXXX money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented that she was XXXX She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay XXXX. She tried to contact them through mail for settling the debt and got no response. 

This year, XXXX money, and MJ elliot served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and MJ Elliot to see how to work this out and start paying again, The court said MJ Elliot had to drop it or take payments. We then called MJ Elliot who said they no longer had the debt, but yet they still had the summons that the court said only MJ Elliot could drop. 

When asked about this recently after XXXX complaints XXXX says they are no longer XXXX and are XXXX bank who states that MJ doesnt even have the debt. They are not only trying to get this money from us but so is Mary Jane Elliot. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent XXXX {$25.00} and the summons is still in place. XXXX Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to XXXX. It is enclosed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Theses company would not remove the following accounts from my credit profile. Theses accounts are not mines and need to be removed ASAP! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 

XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF ) XX/XX/2020 " Verified '' ( NO PROOF )
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX Number : XXXX including Accounts XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 


Experian Reference Number : XXXX IN including Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting this complaint to inform you again that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from the alleged identity theft. 
These following items listed below are unknown to me. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX