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

This is my 17th 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX 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
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX I acquired an auto loan with capital one Auto and after making my first payment, the car was hit by a reckless driver from behind and the car was totaled on XX/XX/XXXX while resuming my present job, on XX/XX/XXXX my insurance made payment of XXXX plus to capital one and on XXXX the warranty refund was also given to capital one. Then capital one sent me an email that I am owing them XXXX and after investigation by my attorney, it was discovered that I am not owing them so my attorney asked me to pay the XXXX which I did and I finished paying that money in XXXX of XXXX. I was at home and capital one sent me a letter stating they owe me a refund ( see attached ) and I called and told them I also told you this from beginning that I do not owe you guys any more and instead you owe me money, Capital one then gave me XXXX as refund for access payment I made. time has gone by and this XXXX I worked 2 jobs and decided to get a better car only to realized capital one reported my account as write off ( That is I didn't pay them and they wrote the XXXX off for me and this has been affecting my life and as per attached it is very obvious capital one was paid and they lied just to make my life a living XXXX. all effort to reach capital one auto proof abortive as they are hiding and unable to reach see all attached document and I am ready for a public interview so the whole world can see what capital one is doing and only God knows how many peoples life capital one has destroyed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my Consumer Reports, I have discovered multiple inaccuracies involving accounts that do not belong to me. These accounts, which have been flagged as potential cases of identity theft, are listed under the following details : XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : XXXX XXXX XXXXXXXX Code : Individual Account Status : XXXX XXXX Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$2100.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$0.00} Credit Limit : {$0.00} Past Due : {$2100.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off as bad debt, Profit and loss write-off Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Account Type : Installment Account Type - Detail XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX : Closed Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX : {$3000.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : Closed Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX  XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$64000.00} No. of Months ( terms ) : XXXX High Credit : {$91000.00} XXXX XXXX : {$0.00} Past Due : {$64000.00} Payment Status : XXXXf Last Reported : XX/XX/XXXX Comments : Charged off as bad debt, Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Considering the severity of the situation, it is crucial for me to take immediate action to address these inaccurately reported accounts, which strongly indicate potential identity theft. I have already contacted XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX to request a thorough investigation into the matter. In addition to demanding the removal of these fraudulent accounts from my consumer report, I have insisted on receiving concrete evidence or proof validating their existence. 

It is essential to highlight that the inclusion of these disputed accounts on my credit report not only violates the Fair Credit Reporting Act but also poses a significant risk to my creditworthiness. As a victim of identity theft, it is my right to have these accounts removed if they can not be substantiated with irrefutable evidence. 

To summarize, I have taken immediate and necessary steps by reaching out to the relevant institutions to address the inaccurately reported
Product: Mortgage

I have had an offer on my house that is the amount Wells Fargo set as the purchase amount. That was XXXX months ago. They keep stalling and asking for the same paperwork over and over again. Why, I cant take care of the property any longer and am moving out as we speak. I would not be surprised if the potential new owners walk.Not my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

After working so hard building my credits history throughout the years. I have some of my pay off credits account closed by creditors, due to the accounts not being active, without my consent. 
Due to the creditors closing my accounts that have been paid off in full, I the consumer will lose all the payment history and credits records. I want to know what are my options in this case as a Consumer? 
Due to long term of unemployment or being underpay, its became harder and harder for me as a consumer to keep up with my regular monthly payments. By doing so, I am going to find myself into the following issues : Without having a job and paying my landers I will be sued by creditors, Banks, and negative information will be reported to the credit bureau. And If I am a renter I will be evicted from my apartment. And If I am a home owner, I will lose my home and facing the harassments from the banks and going into foreclosure. 
I the consumer will have a harder time to buy, rent, or get an approval for a new credit cards in future due to negative reports. In America we can pay our Monthly bills only if we are working. Since XX/XX/2008, Most us In the United States of America, have no jobs, or we are working but underpay. 
So, My question is Do we need credits reports to be better citizens in this country? 
If so, Why the consumers, are the victims on borrowing, being scams, and poor credits rating. Despites of paying your bills in past?
Product: Debt collection

I recently received a letter in the mail on XX/XX/XXXX from an outside independent legal entity notifying me that I was being sued by Midland Funding LLC/XXXX XXXX XXXX regarding a credit card account that was filed in Philadelphia Circuit Court on XX/XX/XXXX. 

I would like to make the CFPB aware of this occurrence as I never received a formal document from Midland/XXXX  XXXX notifying me of the possibility of a default judgment or documentation demonstrating the suit that was filed in the Philadelphia Municipal/Circuit Court for period XX/XX/XXXX through XX/XX/XXXX. 

I would like be contacted by a representative of either/or both XXXX XXXX & Midland Funding LLC via phone or email in order to facilitate a mutually beneficial payment arrangement as I would like to avoid a potential default judgment as I do not have any available PTO to attend the legal proceeding scheduled for XX/XX/XXXX and also do not have additional funds available to pay for legal representation. 

Latest updates are that I never received a letter from XXXX XXXX and XXXX regarding in XXXX as referenced in Midlands letter of response ( attached ) to my initial request to create a payment arrangement which was submitted through CFPB - and if I had not been contacted by an outside legal entity that I would not be aware that a court case was entered against my name. As a result of this discovery I have repeatedly reached out to XXXX XXXX XXXX and have left voicemail messages with XXXX XXXX and also physically spoken to a team member that promised they would have the attorney on the case call me back or email me on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. I still have not received a call/ voicemail message or an email in response to my request to create a payment arrangement. As I have not been given a file number yet due to no one reaching out to me - I am unable to establish a payment arrangement or initiate a payment. Can someone please advise me on whether I should initiate a payment arrangement with Midland if XXXX XXXX XXXX does not contact me via email/phone or respond to my phone calls prior to the XX/XX/XXXX court date? I do not have vacation/leave available to go to court or additional money available for legal representation and would like to establish and arrangement in order to resolve this issue. If I am unable to resolve this issue a judgment would put me into an even more arduous financial situation. I will continue to call XXXX XXXX XXXX as I would like to establish an arrangement as soon as possible. Please Advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. The 3credit bureaus must remove any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$1400.00} ; XXXX XXXX XXXX  XXXX Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I noticed that XXXX XXXX  XXXX reported that my mortgage loan increased by {$98.00}, causing my credit score to drop 30 points on XXXX and 31 points on Transunion. The loan amount that was reported on my credit reports was {$57000.00}. The correct amount according to XX/XX/XXXX 's XXXX XXXX  XXXX Statement is {$57000.00}. On XX/XX/XXXX, I submitted a dispute to XXXX, Transunion, and XXXX to reach out to XXXX and investigate the issue. On XX/XX/XXXX, XXXX concluded that XXXX reported the loan amount to be accurate. And on XX/XX/XXXX, Transunion concluded that XXXX. The dispute for XXXX is pending. The incorrect balance is still on my credit reports for Transunion and XXXX, and the issue has not been rectified.
Product: Debt collection

I sent a Debt Validation letter to Paragon Revenue Group and the sign and received it in their office on XX/XX/2020. I received correspondence from them and they did not validate the debt. They sent me a lot of printouts with very personal information that violated my medical rights. ( HIPAA ) No release forms or anything showing I consented to any of this. I am appalled that this is the way they are practicing in their business.
Product: Credit reporting or other personal consumer reports

Upon Reviwing my report dated XX/XX/2024, I observed several inaccuracies and incomplete entries. According to the Fair Credit Reporting ACT, consumer reporting agencies are required to maintain accurate information. However, the account in question ( XXXX XXXX XXXX ) is neither complete nor accurate. 

XXXX XXXX XXXX XXXX Incorrect last verified date, Incorrect date of last activity, Incorrect closing date.
Product: Mortgage

This is an issue that I have with LoanCare and my mortgage escrow amount. 

I went from paying around {$1300.00} a month including property taxes to being charged over {$2100.00} because of the wrong amount being reported by the county I live in ( XXXX Co, SC ). This happened XX/XX/XXXX. I had the issue resolved with the county but since LoanCare had already payed the incorrect amount to the county for the XXXX tax year, I agreed to have a 36 month escrow spread with LoanCare and the county issued me a refund as well as a statement with the correct property tax amount on it. I forwarded this statement to LoanCare XX/XX/XXXX and was told that a reassessment for taxes would not take place until XX/XX/XXXX. I contacted LoanCare in the fall when I saw my mortgage amount did not change. I was then told that it would be assessed this Spring. It has now been a year of me overpaying and when I call I can not get through because of the current Covid situation. My account has also been deactivated on their website for no reason so I can not submit a complaint again. 

I understand that because of the escrow spread of 36 months that my amount per month would be higher, but I am currently paying {$1800.00} a month and that is still wrong. I can not get anyone to answer why this is still incorrect or when/if a real reassessment will take place. This has caused a financial burden on me for over a year and I can not continue to overpay. 

I am attaching the signed copy of the corrected property tax amount from XXXX County, an additional copy of taxes paid to XXXX County at the end of last year from LoanCare which is the correct amount ( so they are aware of what it actually is, they just haven't adjusted anything else ), as well as a screenshot of the incorrect amount the county charged for XXXX that was subsequently corrected.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 a money transfer via ZELLE was supposed to be made I was supposed to be sent {$110.00} and the app made the lady send me {$110.00} plus {$400.00} and wanted me to refund the {$400.00} but no money was put into my account to make sure I could refund the amount. I emailed the company notifying them that I had insufficient funds in my account to be able to send {$400.00} I got a email reply stating to send {$200.00} and with verification email and that they would send me half of the amount that was paid to me, I received none of that amount. So I emailed the site stating I would like the {$200.00} or what is owed to me and they requested another {$200.00} be sent in order to receive any funds but I had originally stated that I got scammed out of the {$200.00} and was left with {$26.00} witch is an insufficient fund and I would have to over draft my bank account in order to meet there standers. When selling an item I should not have to pay. I want my money back this app has left me broke and gave the other person with my money
Product: Debt collection

I received a notice from XXXX that a collection agency named Credence Resource Management was trying to collect a bill for XXXX XXXX XXXX in the amount of {$2700.00} I explained to this credit agency that I dont have an account with XXXX  XXXX XXXX and that this bill was not mine. I pressed this company for information on this bill and they provided an address in XXXX, NC from where the account was created. I have not lived in North Carolina nor have I ever had an XXXX XXXX XXXX Account. I was also told that this account was created in XX/XX/year> and I was never notified via mail or phone or any contact. This account, in its entirey, is not mine.
Product: Debt collection

Navy Federal claims to have reviewed customer call ( XX/XX/XXXX ) regarding closing the checking account. On the call the representative presented the option to close both checking and savings which was not the initial request/purpose for the call, or the best option for long term sustainability of the credit card that was attached to the savings account. I initially only inquired about closing the checking account. 
XX/XX/XXXX I received a letter from Navy Federal stating they will cease and desist all future communication and will not move forward with any future action they will wait for correspondence from me for any further actions. 
XX/XX/XXXX Navy Federal is moving to sue me in court in XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX/XXXX XXXXXXXX XXXX, XXXX. 
XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX N/A XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Debt collection

I have been waiting for over 90 days. I am filing this complaint because SEQUIUM ASSET SOLUTION for violation of FCRA 611 - 15 U.S.C. 1681i, they have had 120 of days to investigate the account and have received no response which they have ignored with is a violation of your consumer rights under 611 - 15 U.S.C. 1681i
Product: Money transfer, virtual currency, or money service

I am filling 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, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX , XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Received a letter from the mortgage company stating that I do not have insurance coverage and therefore they purchased a policy on my behalf. 
They never notified me until this letter that they did not have my insurance information to give me a chance to provide it to them. 
I always maintained insurance coverage as can be seen in the attached policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an account on my report from the XXXX XXXX XXXX. XXXX   has remove this account from my report. I have requested this account be removed because I have never had a " loan '' with this company or had a " charge off '' with the XXXX XXXX XXXX. I have requested a Section ( 609 ) of the Fair Credit Reporting Act investigation and the credit bureau has NOT met the requirements of my requestion. Please sanction Equifax and XXXX  for NOT responding to my dispute request in accordance with Section ( 609 ) of the Fair Credit Reporting Act. 

My SSN is XXXX and my DOB is XX/XX/1963.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. 

DPT ED/XXXX XXXX {$11000.00} DPT ED/XXXX XXXX {$4000.00} DPT ED/XXXX XXXX {$6300.00} DPT ED/XXXX XXXX {$4900.00} DPT ED/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX {$10000.00} XXXX XXXX {$250.00} XXXX  XXXX {$1900.00} DPT ED/XXXX XXXX {$2300.00} XXXX XXXX XXXX XXXX {$3500.00} XXXX  XXXX {$810.00} XXXX  XXXX {$1200.00} XXXX  XXXX {$260.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$2000.00} XXXX  XXXX {$250.00} XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX {$250.00} XXXX  XXXX  XXXX {$2700.00} XXXX/XXXX  XXXX {$440.00}
Product: Debt collection

I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit account with your institution. After reviewing my recent credit report, I noticed that there have been recorded instances of late payments on my account. 
WELLS FARGO DEALER SVC XXXX I want to emphasize that these late payments were not due to negligence but rather a temporary challenge that I have since overcome. I kindly request your assistance in removing the late payment entries from my credit report. I believe that this adjustment would more accurately reflect my creditworthiness and commitment to meeting my financial obligations. 
I appreciate your consideration of my request. If needed, I am willing to provide any supporting documentation to validate the circumstances that led to the late payments. 
I kindly request that you investigate this matter and, if appropriate, take the necessary steps to have the late payment entries removed from my credit report.