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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have unauthorized inquiries on my XXXX credit report from Truist on the following dates : XX/XX/year>, XX/XX/year> and XX/XX/year>. Someone used my social security number for personal gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, AND EQUIFAX are doing identity theft on my personal credit report by being deceptive. Fraud is deceptive. Deception means you are giving an appearance on something that is misleading. According to the FCRA, 15 USC 1692e, you can not use any deceptive/misleading representation. These practices can not be utilized on my credit report for PRIVACY. It is DECEPTIVE, because XXXX, XXXX, and Equifax are telling my private information to the public people without my consent. I have private information being publicized. A consumer reporting agency can not furnish anything unless it was initiated by the consumer, which is myself. Which I never authorized them, resulting in deception! 15 USC 1681b ( c ) ( 3 ), 15 USC 1681d ( 1 ), 15 USC 1681m ( d ) ( 1 ) ( D ) the consumer has a right to prohibit information contained in the consumers file with any consumer reporting agency from being used in connection with any credit or insurance transaction that is not initiated by the consumer ;, 15 USC 6802 ( e ) ( 2 ) go in further detail of how I've been deceived. These accounts are deceptive, they are breaking my privacy rights and need to be removed! Not just that, but they are reporting inaccuracies throughout my consumer profile!! According to the FCRA, everything has to be reported accurately. 15 U.S.C. 1681i 55 ( e ) Treatment of Complaints and Report to Congress ( 1 ) In general. The Bureau shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 603 ( p ) contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. These accounts are deceptive and inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEED THEM DELETED.
Product: Debt collection

Over 90 days ago, I wrote to the Aargon Collection Agency. I requested proof of validation. I have not received any correspondence. I have sent three follow-up letters, to no avail.

I have fully investigated my rights in this matter. Under the Fair Debt Collection Practices Act, if no proof is provided to me within 30 days, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the letters and dates as evidence of my requests. Under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
According to the Fair Credit Reporting Act, if the debt cant be verified within 30 days, then it must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

This is the SECOND time you have requested authorization that I have already given! Please investigate my disputes and respond to them via US MAIL asap!! 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian is breaking the law according to FCRA section 623 ( a ) ( 5 ) and I need my inquiries removed as soon as possible please. FYI XXXX delete it the same inquiries.
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 violates 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 comply with the 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 reddress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Equifax stating that their investigation into an account I reported as a result of identity theft had been completed. In the letter sent to me which I am including says that they are leaving the item on my credit report because they verified it as belonging to me. I have never had an account with them or XXXX. I want it removed or blocked from my file immediately. According to the FCRA in section 605 ( a ) ( b ) it is the responsibility of the credit reporting agency to block any information/account a consumer states is a result of identity theft upon written notice of the claim. Under the law, they have 4 days from the written notice to comply. I have sent them a FTC affidavit, an identity theft report and a written notice of my claim. Of course the company has my name, my social security and my date of birth right along with my address correct because they stole my identity. They used my personal information. The accounts that need to be removed from my credit report are the two collection accounts. 1 ) XXXX XXXX in the amount of {$150.00} opened on XX/XX/XXXX 2 ) XXXX XXXX XXXX in the amount of {$720.00} opened on XX/XX/XXXX Also, on XX/XX/XXXX I received notice that the XXXX XXXX account had been removed from my report but upon viewing my credit file it is still appearing there. I would like it removed as it was also a result as identity theft. Please remove these accounts immediately as they are a result of identity theft.
Product: Debt collection

this company is reporting debt that is not mine on my credit report. i have written letters directly to the address on my report and never received a response. This derogatory information has impacted my scores dramatically and this debt is not mine. I have asked on countless occasions for documentation to show where this debt originated from and signed literature showing this belongs to me and none has ever been provided. I want this erroneous information removed from my credit report. i do not owe this debt. 

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Product: Debt collection

On or around XX/XX/2023, and XX/XX/2023 I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Vance and Huffman. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Vance and Huffman has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.
Product: Debt collection

I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FCRA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had fourteen late payments on the below accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts that are listed below. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payments be updated to on time as they should be as I was NEVER LATE. Thanks... 

If, any reinvestigation under paragraph ( 1 ) of any information distributed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall... 

( 1 ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation ; and Account Name : XXXX Account number:XXXX Date opened : XXXX XXXX  Last reported date : XX/XX/XXXX  Last active date : XX/XX/XXXX  XXXX
Product: Debt collection

ASSET ACCEPTANCE IS REPORTING INACCURATE, INJURIOUS INFORMATION TO ALL XXXX CREDIT BUREAUS XXXX, XXXX XXXX AND XXXX. 
THE FIRST CONTACT I HAD WITH THEM IS WHEN I NOTICED THE INACCURATE INJURIOUS INFORMATION ON MY CREDIT REPORTS.I THEN MAILED A VALIDATION NOTICE TO THEM VIA CERTIFIED MAIL AND ASSET ACCEPTANCE RESPONDED STATING THAT THEY COULD NOT RECOGNIZE THE SIGNIFICANCE OF MY COMMUNICATION PERTAINING TO SECTION XXXX OF THE FAIR DEBT COLLECTION PRACTICES ACT.THIS COMPANY BASICALLY STATED THAT THEY DID NOT KNOW WHAT I WANTED THEM TO DO. 
THIS COMPANY IS BLATANBTLY AND INACCURATELY ATTEMPTING TO COLLECT XXXX FROM ME AND I HAVE NO KNOWLEDGE OF THIS ALLEDGED DEBT.THIS COMPANY IS ALSO REPORTING THIS DEBT AS A " FACTORINGACCOUNT '' AS THE " TYPE OF LOAN " WHICH IS FALSE! 
ASSET ACEPTANCE IS ALSO REPORTING THIS DEBT AS '' OPEN '' WHICH IS ALSO FALSE AND THIS COMPANY SHOULD BE HELD ACCOUNTABLE FOR REPORTING ILLEGAL, INJURIOUS AND FALSE INFORMATION THAT IS JEOPARDIZING MY CREDIT AND OVERALL FINANCIAL STATUS.I THANK THE CONSUMER FINANCIAL PROTECTION BUREAU IN ADVANCE FOR ITS ASSISTANCE IN WHAT IS A VERY FRUSTRATING SITUATION FOR ME AFTER HAVING TO FILE THIS COMPLAINT AND PLACE DISPUTES WITH ALL XXXX CREDIT BUREAUS.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Dear CFPB : The three major credit-reporting bureaus have become co-conspirators in FBI reported criminal fraud. 
Please read all attached evidences. 
Since my first fraud alert on XXXX XXXX XXXX each escalation has developed hard evidence for prosecutors. 
Im not their ordinary fraud target. I keep material evidence, and Im tenacious.

I beseech the CFPB to either prosecute or delegate this case explicitly to Arizona, New Jersey or Massachusetts to lead an investigation into the primary criminal actors who electronically transacted fraud in New Jersey from Arizona and Massachusetts, and potentially across the U.S. to others, as well.

This round-robin of referring consumers to each state, the U.S. Comptroller of Currency and other agencies with partial jurisdictions, only to refer it back to CFPB to transfer a benign paper trial without action, is exacerbating this fraud, encouraging more crime and further victimizing the victim. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and older were defrauded out of more than {$35000.00} each on average in white-collar shakedowns, not street muggings. And small frauds like mine are rarely reported, because of victim-shaming, so the true cost of frauds could be mindboggling. 
XXXX XXXX XXXX The failure to prosecute -- or to make even commonsense appeal to the corporate leaders raking in XXXX XXXX  because of fraud success -- is why fraud report figures grow seemingly exponentially every year, while other types of crime rise and fall. What would you choose as a major at Criminal University? 
The primary conspirators, this vendor and XXXXXXXX XXXX, did not just make mistakes or oversights. They are not uninformed about consumer rights in law. They are boss and bagman, clear as day dawns. 
These XXXXXXXX XXXX XXXX criminal conspirators are not merely apathetic to the crimes of the other. They ae steadfastly devoted to uplifting each others criminal roles. Why not? Its profitable, and very, very, VERY profitable to their CEOs to boast to investors to buoy Wall Street a win-win-win, as long as you dont think about all the seniors {$35000.00} annual XXXX to accomplish the achievements. 
In joining as XXXX XXXX  to fulfill the boss and the bagmans malicious attempt to shut me up and take my lickin for not succumbing to extortion, these three credit bureaus that are or wannabe XXXX companies assume all the same blame, as in any RICO conspiracy. 
They all do it because they can. 
They do it because government teeth and funding have been insufficient to nail the racket, so far. 
These are five big fish, CFPB. Im a little nobody struggling to stand my ground on a mere {$63.00} and XXXX XXXX  that I dont owe anyone, but all of us like me are the iceberg. Im not going to shut up and go away. 
CFPB and other watchdogs should not stand back and stand by while I give you this full view to see five big bullies bloody and beat me on the proverbial playground for my {$63.00} lunch money as part of the XXXX XXXX XXXX XXXX of each American for an average {$35000.00} a year.
Product: Credit reporting 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 COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Mortgage

We had XXXX XXXX from Huntington bank lied to us about how much we qualified for a fha loan he said we qualified up to XXXX then we it found our house we started the process and he wouldnt answer my realtor or our lawyer he kept saying everything was good to me. 7 days before closing he told us oh you have to pay off a bill and get it off your credit before we can move on. He prequalified us for a loan that we wherent qualified for. He was very rude to our realtor. We ended up having to find a new lender and putting 10 percent down when thats not what we wanted to do he also added credit cards to our credit without permission. Both me and my husband credit was ran way to many times by him. Now our credit is messed up and he has messed made it to where we paid way to much for closing cost. He also never wanted to email or text back he would only want to talk on the phone to try and cover his mess ups. He put the XXXX XXXX card not only on my credit but my husbands credit. He also made false Preapprovals saying we where good to look at houses when we really wherent. He really made my life a living XXXX for 3 months straight. 
This is where he works I have a lot of proof that of all the damage he has done to me XXXX XXXX and my husband XXXX XXXX The Huntington National Bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX huntington.com
Product: Credit reporting, credit repair services, or other personal consumer reports

When apply for a car loan, dealership put my loan application through other companies. Adding other hard inquires. 

also I'm seeing a hard inquiry from I believe to be XXXX. that I did not do. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I received a phone call on XX/XX/XXXX from SLS Specialized Loan Servicing llc Specialized Loan Servicing LLC XXXX. XXXX XXXX XXXX, CO XXXX XXXXcustomer care Telling me I owed them over XXXX on my equity line of credit. We didi a loan modification 7 years ago and we thought it was all combined into one as no one ( XXXX  XXXX XXXX ) never said anything to us about the equity line of credit. They said they had mailed a letter back in XX/XX/XXXX. I told them I never got the letter and never received any bills or phone calls from them until today. Needless to say I found out from HUD that XXXX  XXXX XXXX had sold our loan to a debt collector listed above. I was stunned. as we had had no contact for like 7 years. no 1098 forms nothing.. Right after the phone call I received a demand letter or they would foreclose in XX/XX/XXXX. They offered us a loan modification and required {$9600.00} down by XX/XX/XXXX. along with the 3 trial period payments we would have to make for XXXX, XXXX XXXX. Which we did. {$330.00}. They mailed us a contract to sign, notarize and mail back which we did and it said our first payment was due XX/XX/XXXX which we sent on XX/XX/XXXX. We were finally able to set up an online acct to which I tried to access our statements and could not. They emailed me a form because of our bankruptcy back in XXXX which allowed them to send us statements. ( WE get statements from our mortgage with no problem ). 1 month goes by and no statement. I called as I had received an email XX/XX/XXXX that they had received my email and it was under review. No one called or emailed me back saying the attachment was not with the email. XX/XX/XXXX I called requesting my statements again. Again the form was emailed and we both signed it and attached it to an email and sent it back on XX/XX/XXXX. I called a few days later to verify they did have it, yes it's in the system and it will take a week to get a statement generated. I was told I would only gets statements from the time the letter was signed. I said no way I want statements from the beginning of the loan as nothing is showing my down payment, principal or interest being paid. The online account shows only {$59000.00} balance and yet our loan papers {$80000.00}. The loan modification is like 11 pages all written out in paragraphs and very confusing. They use the terms 480 terms left and yet it is suppose to have a balloon payment XX/XX/XXXX. I want to have statements as i have no idea what my current balance is or how much of my payment is going to interest or principal. Is the lender not required to give a client monthly statements showing their payments? I also called XX/XX/XXXX requesting statements again and so far I have not received any in the mail or online. The account # XXXX for XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I used a PayPal credit account to purchase XXXX XXXX at XXXX $ On XX/XX/XXXX and XX/XX/XXXX, unauthorized charges showed up on the account for the amount of XXXX. I did not make these purchases and am unfamiliar with the vendor. 
I discovered and reported this to PayPal on XX/XX/XXXX date. 
I filed a police report on XX/XX/XXXX. 
On XX/XX/XXXX, PayPal informed me via phone of the review of the charges and determined that they were authorized. 
On XX/XX/XXXX, I submitted a copy of my police report to PayPal. 
On XX/XX/XXXX, PayPal informed me that upon secondary review, they determined that the charges were authorized. They informed me that they would be sending me written notice as to why they were determined to be authorized charged, however they have not done so. 

In addition to the fraudulent charges on the account, the charges have been accruing interest for which PayPal now claims I am responsible.

PayPal is not calling me multiple times a day in order to request that I pay the unauthorized charges. I have attached a call log of the frequency of these phone calls, which totals to more than 70 calls since XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This follow up was due to the several remaining items requiring attention. According to FCRA section 605, it is mandatory to remove any items listed on FTC REPORT XXXX XXXX. Previously, I have provided these items in a prior correspondence, and I am reiterating them here alongside my new FTC report XXXX XXXX I have apprised my legal counsel of my intentions, and they are prepared to pursue accountability should there be willful noncompliance : -- -- -- -- -- EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be advised that you have four business days to remove the reporting of any fraudulent items from my credit file. I do not consent to E-OSCAR or any form of automated verification. Your prompt attention to this matter and a response within four business days are appreciated.