23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

: Request for Blocking and Deletion of Fraudulent Accounts Under 15 U.S.C. 
1681c-2 ( a ). Dear XXXX, I am writing to formally notify you that I have been a victim of identity theft, related to the widely publicized XXXX data breach. As such, I request your immediate assistance in addressing fraudulent activity associated with my credit report.
Product: Credit reporting or other personal consumer reports

My credit report has unauthorized hard inquiries listed, violating 15 USC 16c-2. These errors are affecting my credit, and I request they be removed immediately.
Product: Debt collection

I have legal court documents that were filed regarding the debt. It was a court order for garnishment to the company Speedy cash loan. It shows amount paid in full. INCLUDING court costs, filing fees etc. My bill was XXXX XXXX I ended up paying over XXXX XXXX XXXX I have REPEATEDLY REPORTED AND DISPUTED THIS THROUGH THE CREDIT BUREAU AND XXXX XXXX. DESPITE THE PROOF, THEY WILL NOT REMOVE IT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

4 hard inquiries have appeared on my credit report that I do not recognize and I believe are fraudulent. Two of : XXXX XXXX XXXX XXXXXXXX of : XXXXXXXX XXXX, and another of : XXXX XXXX XXXX
Product: Debt collection

I try to call four times their answer machine keeps hang up on me AndI try to email them twice. 
Zwicker + Asscociates
Product: Debt collection

I explained that I had this account removed before. It was on my report and I acted to have it removed and it was. The original open date was XX/XX/year>! This account is over 10 years old AND HAS ALREADY BEEN reported and found out to be fraud. Please remove this from my credit report. And if there is a way to sue these people please email or inform me. This has got to be illegal?
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 ( XXXX ). 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 XXXX XXXX These acts have caused significant inconvenience and financial loss and I seek appropriate redress.
Product: Debt collection

Hello! A company called CCS on behalf of XXXX XXXX in XXXX, MA. placed a collection in the amount of XXXX on all three credit bureaus. Their phone number is ( XXXX ) XXXX. 
I've completed a dispute a fraud alert for all three credit bureaus. In addition, I've contacted XXXX fraud department and are in the process of sending them the fraud claim paperwork attached with the information from this fraudulent company. XXXX has stated to me that I don't own them any money, and have been a customer for over 10 years in excellent standing. They will be conducting an investigation as well, because this collection agency does not represent them.
Product: Credit reporting or other personal consumer reports

Congress finds there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I am the authorized representative and original creditor on behalf of : XXXX XXXX XXXX Upon review of my credit report, I have noticed discrepancies in the information reported by XXXX, Equifax and XXXX. It appears that there are inaccuracies regarding the debts owed and listed on the consumer report. As the original creditor, I request a thorough and FULL investigation into these discrepancies and a FULL disclosure of the consumer files you have on record. In accordance to FCRA the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. ALL listed accounts are an invasion of privacy and extortion of credit. XXXX is not in compliance with FCRA and are reporting inaccurate, unfairly and impartial information causing the consumer harm in extending credit and defamation of financial character. XXXX, Date of Account XX/XX/2017, XXXX, I would like to receive the PROMISSORY NOTE connected to my line of credit in demand for accord and full satisfaction of the principal loan amount. Securitization of the assets was not disclosed to the consumer which would have essentially affected the consumers conscious decision making on the goods or services from XXXX. This would constitute Non Full Disclosure and unfair or deceptive acts or practices and a host of other violations listed below : FCRA SEC. 5 : unfair deceptive acts or practices 12 CFR 1026.13 15 U.S. Code Credit Billing : 1666. Correction of billing errors 1666a. Regulation of credit reports 1666b. Timing of Payments 1666c. Prompt and fair crediting of payments 1666d. Treatment of credit balances 1666e. Notification of credit card issuer by seller of return of goods, etc., by obligor ; credit for account of obligor 1666.f Inducements of cardholders by sellers of cash discounts for payments by cash, check or similar means ; finance charge for sales transactions involving cash 1666g. Tie-in services prohibited for issuance of credit card 1666h. Offset of cardholders indebtness by issuer of credit card with funds deposited with issuer by cardholder ; remedies of creditors under State law not affected 1666i. Assertion by cardholder against card issuer of claims and defenses arising out of credit card transaction ; prerequisites ; limitation on amount of claims or defenses 1666i-1. limits on interest rate, fee, and finance charge increases applicable to outstanding balances
Product: Credit reporting, credit repair services, or other personal consumer reports

On X/X/2017, XXXX XXXX XXXX filed a credit inquiry without my authorization. I have n't had any need of purchasing a car and this is a fraudulent inquiry that I would like taken off of my XXXX credit reports. I 've already reached out to them directly but to no success.
Product: Debt collection

On XX/XX/2018 I received a letter in the mail as a response to my debt validation request. AR Resources, INC did not provide me a HIPAA release form that releases my medical information to them. Therefore providing me with medical records is a violation of my HIPPA rights. I am a litigious individual and I am willing to seek legal remedy to file suit against AR Resources , INC . I am also willing to file a complain with HHS and OCR for the violations of my HIPPA rights. I urge AR Resources, INC to take this serious and to remove this debt from my credit report. AR Resources INC does not have permission to contact me by email, phone, or us mail. All communication is to be done through this cfpb portal.
Product: Prepaid card

I have a {$300.00} prepaid American Express card that I am unable to use. I received it from my work and they said to contact American Express directly. I have contacted American Express and they are unable to locate the card or provide the balance. They had no direction for me. 
When attempting to use at a store, the card doesn't register - as if the numbers don't work. 
When attempting to use online, the card shows invalid. I have called retailers and they are unable to process a purchase. 
The card is not expired.
Product: Credit reporting, credit repair services, or other personal consumer reports

previously I have filed cfpb complaints on the three credit bureaus XXXX Equifax and XXXX before so this process is not a new process.. 
Equifax in 2017 had an Equifax data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an Equifax free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX XXXX acct XXXX XXXX Account name : XXXX acct # XXXX Account name : XXXX XXXX/Transunion acct # XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX acct # XXXX Account name XXXX XXXX XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX acct # XXXX has violated my rights.

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: Student loan

I took a {$5000.00} loan from Sallie Mae. I faithfully made payments for 5 years. My father passed and I had to quit working and move in with my mother. The loan defaulted. They are now demanding I pay it in full and will not offer reasonable loan repayment options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many unverified items that need to be DELETED. 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 DELETED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I refinanced my home with CashCall Mortgage in XX/XX/2019. They transferred loan servicing to XXXX effective with the first payment on XX/XX/2019. I set up autodraft for the payment, and the first payment was successful. Two weeks later I received notice that the loan had been sold to XXXX, and the servicing was now being transferred to XXXX XXXX   where I also set up a new autodraft. The notification from XXXX states in bold letters across the top : No action is required on your part. 

On XX/XX/2019, the prior servicer, XXXX, pulled a payment in the amount of {$3300.00} for a loan they no longer held servicing rights to. On XX/XX/2019, XXXX pulled their regularly scheduled payment as they now hold servicing rights to the loan. 

I contacted XXXX, authenticated in the IVR, opted to speak to an agent ( who required full authentication AGAIN with the same information! ), shared the information above and asked how this would be resolved. He said that since this was no longer showing as an active loan in the system, he had no information including the payment drawn on XXXX XXXX. He recommended that I write to XXXX to request a refund. 

I have reached out to XXXX as directed, and am also lodging a complaint here as this should not have been necessary on my part based on the formal letter received from XXXX.
Product: Vehicle loan or lease

ON WEDNESDAY XX/XX/year> MY HUSBAND XXXX XXXX AND I WENT TO XXXX XXXX XXXX, XXXX AND I WERE TAKEN ON A XXXX  AUTO XXXX XXXX LOAN THROUGH CAPITAL ONE, THEN THE DEALERSHIP CALLS BACK, LIES, AND HAD TO COME UP THERE TO MAKE " THE PAPERWORK DISAPPEAR '' XXXX THE MANAGER HANDLED TOWARDS THE END. I WANT MY CREDIT SCORE RESTORED BACK, XXXX FALIED TO TELL US ABOUT A XXXX THAT WAS SERIOUS TO WHERE THEY HAD TO TAKE IT BACK
Product: Credit reporting or other personal consumer reports

To Whom It May Concern XXXX XXXX XXXX XXXX XXXX, CA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX To Whom It May Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item ( s ) listed below are as follow : PLEASE UPDATE MY PHONE NUMBER TO MY FRAUD ALERT : XXXX Please update to the correct address XXXX XXXX XXXX XXXX, XXXX, FL XXXX I HAVE BEEN LIVING THERE SINCE XX/XX/XXXX THESE NAME VARIATIONS DO NOT BELONG TO ME XXXX XXXX PLEASE UPDATE MY CURENT ADRESS, THESE ADDRESS DO NOT BELONG TO ME XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX THESE EMPLOYERS DO NOT BELONG ON MY PROFILE EMPLOYMENT INFO DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a bill with my Name and current address. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to EQUIFAX andXX/XX/XXXXin compliance with the CRA on XX/XX/2020, again on XX/XX/2020, and on XX/XX/2020. 
They have failed to remove information that was affiliated with personal details that were challenged in the past, along with none verification from the collection agency XXXX XXXX XXXX ) Acct # XXXX I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

I have been an ongoing customer in good standing with Citibank for more than 7 years and their services had always been great! In 2004, I paid off all of my debt. I held on to my Citicard in case of an emergency, but I had no intentions of using it right away because of the high APR ; However, I received credit checks from Citibank offering me a lower APR. I used one of the checks to make a purchase during the XXXX season unaware that Citibank had decreased my line of credit without ever notifying me beforehand. As a result of this unbeknowst credit decrease, I was plunged into a horrifying court case where I was forced to plead guilty to fradulent check writing. I had to pay {$200.00}, to prevent incarseration. Once I paid the unexpected court cost and the fradulent check charge. I believed that this situation was finally behind me, but to my surprise after attempting employment and housing, I was shocked to learn that this bad check charge had kept me from being hired and achieving stable housing for me and my family year after year. At this point I realized that I had been done unjustly by Citibank because my payments were on time and up-to-date. They sent the low APR credit checks for me to use in any way, as long my line of credit was enough to cover the amount of the check that was written. My line of credit was {$3400.00} and my available line of credit was {$1200.00} which was more than enough to cover the amount of the check at {$130.00}. Even to this day when I am applying for employment, my background check comes back as a reason why I am denied employment.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at Account number XXXX .... 
Recent balance {$25000.00} Date opened XX/XX/XXXX Account name XXXXXXXX XXXX Account number XXXX Recent balance {$11000.00} Date opened XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of XXXX Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I asked the the bureau for a full verification of all information on all accounts and they did and I found inaccuracies from my name to fraudulent accounts .according to 15 U.S.C 1681 I all false information should be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

During the years 2020. I went on XXXX and XXXX and promoted myself as a XXXX XXXX trying to inspire, motivate, and encourage anyone who watches the information and entertainment of my videos, to wear masks and social distance during the peak of covid-19. 

When I utilized XXXX, the most controversial thing was to be bold enough to run in the president election as XXXX. During that year, I was on the least amount of funds such as many other people. I had a smart phone and tripod and alot of courage to present myself as transparent. 

I had alot of negative criticism, from many I know and some I didn't, yet the perseverance of trying to make my mark as well as a difference. Lead to ; much good in my community. 

My identity theft level went sky rocketing and from a highest fico score of XXXX In one year dropped to XXXX. I am in dire need of a consideration from the credit bureau of the United States, ask how even with late fees? How can it drop so low? Is it a average adjustment due to the lack of employment. 

I worked so hard to keep XXXX XXXX score in a ok or good place. 

Please help me, by looking into my fico score as see the major issues as serious. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX my XXXX  tried to make my mortgage payment for XX/XX/XXXX but Mr Cooper Mortgage XXXX system would not display my mortgage loan account. I tried to diss ; ay my mortgage loan account online on XX/XX/XXXX to make my XX/XX/XXXX mortgage loan payment and received a message saying : Good Evening, XXXX Congratulations, your loan is fully paid off. I had read an article about Mr Cooper 's systems receiving a cyber attack so I assumed perhaps my account was compromised, therefore prohibiting me from accessing my account. I contacted the online Mr Cooper chat representative on XX/XX/XXXX to request an explanation for not being able to make my XX/XX/XXXX mortgage loan payment. The rep 's chat reply was that a letter had been sent to me on XX/XX/XXXX and as of XX/XX/XXXX my loan was transferred to XXXX XXXX and to reach out to them at XXXX and this is the reason I can not make a payment online with them. I contacted my estranged husband whom I own the property with in joint-tenancy to learn that he never received a letter or notice from Mr Cooper pertaining to the transfer of our mortgage loan. I did not call XXXX ( XXXX XXXX XXXX, XXXX ) because incorrect information could possibly be given out over the phone and a payment could possibly be lost. There is a federal law regulating transferring mortgage loans so I am requesting that CFPB assist me in the deceptive and bad business practice by not informing me and my husband of the transfer and leaving us without documentation and the new XXXX XXXX  loan account #. Please help us not to be penalized with late fees for the XX/XX/XXXX mortgage loan payment and please request that Mr Cooper expedite the legal documents to both me and my husband who have different addresses on file with Mr. Cooper. 
Thank you for any help we can get in this serious matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly contacted XXXX XXXX, XXXX, EQUIFAX AND XXXX, regarding this erroneous and fraudulent Bankruptcy that they continue to report on my credit file. I have sent in evidence that this bankruptcy - case # XXXX does not belong to me. Can your company please help me resolve this matter ASAP. Thanks.
Product: Mortgage

On XX/XX/2019 we were closing on our Mortgage refinancing loan with Village Capital & Investments, LLC. I changed my mind and sent by fax the NOTICE OF RIGHT TO CANCEL on XX/XX/2019 before the cancellation deadline. When I spoke with my current lender I was told they no longer had my loan that it had been funded by someone else Village Capital. I spoke with the agent at Village Capital but he only tried to convince me to stay but I do not want to stay with them I dont trust the business practice. I also called the office only to get told they would email someone but no one has contacted me and I am frustrated and worried about whats going on with my home mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX