23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XXXX 2016 I sustained weather damage to my residence. My insurance company issued a check for the repairs in my name/lender. I contacted Specialized Loan Servicing damaged property department on the procedure in getting the check endorsed by their company. The representative gave several documents that was required, to do list, that was needed with the check. I mailed the check endorsed by husband and myself with the to do list documents via federal express. I verified the check and documents received by the loss draft department which was received on XXXX XXXX, 2016. I waited several days after not receiving anything in the mail to make contact with the loss draft department of SLS. The representative told me I was missing the XXXX items which was the contractor 's waiver of lien and the signed copy of contract. I explained to the representative that this document was not apart of the to do list given by the first representative. The asked about the procedure again to be sure I understood what to expect next. The rep. stated my check was deposited into an account and once the check cleared a check would be made payable to the contractor and myself. I asked about the interest on the check and she stated its deposited into a non-interest bearing account, so no interest is paid to me nor to the lender. I stated, that really did n't sound like accurate information but.. whatever. I forward the XXXX outstanding documents to them to release the check. I once again verified receipt of the documents, received on XXXX XXXX, 2016 by loss draft dept. I did a follow-up call with SLS, loss draft department again on XXXX XXXX, 2016 informing them the work will be completed on the XXXX and funds needed to be released. I also requested the final inspection from their inspector since the rep. informed me it would take two weeks to get an inspector to sign off. The rep. informed me i would be getting the funds via fedex and provided me with a tracking #. I did not get the funds on the XXXX as promise so another call made on Monday XXXX to XXXX office XXXX XXXX. I explained my problem to his assistance that I 'm trying to get funds released to pay my contractors and not getting any cooperation from Loss Draft Dept. She forwarded me to Executive Services to be told that Loss Mitigation ( Draft ) department is not their area and could not help me. I make another call to XXXX XXXX office today XXXX and was told the same thing that XXXX XXXX can not retrieve my loan information and can not help me. I called Loss Draft to inquire once again about funds. I told them the money was debit from my impound account on XXXX XXXX, 2016 ... why have n't i received the funds? It has been since XXXX XXXX until present XXXX XXXX, 2016, I cant get funds released and no interest on a very large deposit to SLS account. 
SLS, Loss Draft Dept. is making a large return on other individuals insurance claim checks. Where 's the interest on my insurance check and where are my funds?
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report. I have been a victim of identity theft and these accounts and inquiries were opened or conducted without my knowledge or consent. 
As per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the removal of the following accounts and inquiries : Fraudulent 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

XXXX XXXX account XXXX : XXXX, account ending in XXXX, has violated my rights. 

XXXX XXXX Services account ending XXXX, has violated my rights XXXX XXXX capital has violated my rights XXXX Confirmation # XXXX Has violated my rights XXXX. XXXX : account number ending XXXX, has violated my rights XXXX XXXX XXXX account XXXX XXXX, has violated my rights. 
XXXX XXXX team : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING
Product: Debt collection

Consumer Financial Protection Bureau, I had two auto loans for a truck and car with Ally Financial back in XX/XX/XXXX and during a transfer to a new Federal job I had a lapse on the payment for a XXXX XXXX XXXX. Despite my attempts to negotiate with Ally to make payment a few days later, the company refused and repossessed the car. Needless to say some months later I received notice that Ally sold this car to a reseller and I still owed the difference from the purchase price. XXXX XXXX is Account : XXXX, Reference XXXX. Since that notice I have been making monthly online payments from my bank bill pay this XXXX XXXX. Last year I also paid off the truck loan and received title as scheduled with no problem. 

I have made numerous attempts to contact Ally Financial collections department to request a written notice for the balance to pay off this XXXX XXXX. My most recent phone call was on XX/XX/XXXX where they confirmed receiving my payments, but then refused to tell about my payments, my balance, and send written debt, balance, and pay off information. In addition Ally Financial told me my XXXX XXXX was sold to another debt collection company, but then refused to tell me the company, address and contact, and balance or payments transferred to this company. I have made repeated attempts to pay off this debt, but every time I have contacted Ally Financial collections department they have refused to provide my balance, my payments, written statement of balance, and not allow me to pay off this XXXX XXXX. 

I simply want written or email notification of my balance so I can pay off this Sale Debt and stop Ally Financial from continuing to degrade my credit report and FICO score. Ally Financial has repeatedly refused to provide my balance and allow me pay off this debt. -- Thank You
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 15 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in 4 days.These are causing defamation of my character and my public appearance. 
15 U.S.C 1681 section 602 A. States I have the rights 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 I will have no choice but to seek litigation in small claims court if this isnt fixed. 
see attachments
Product: Money transfer, virtual currency, or money service

I dont have the transaction anymore. Idk why it doesnt go back that fat, but in XXXX someone got into my account or something and sent daysha on cash app {$200.00} I dont remember the exact dates, and in 2020 month of XXXX a fraudulent transaction of {$310.00} was done and I contacted them right away cash app and they didnt help me. I never got those funds back. I went to XXXX XXXX and was scammed for money by a car rental place and I never got that money back and more recent on XXXX, a transaction XX/XX/XXXX. I bought a vacuum I never received and I disputed it and I was denied my refund. The total amounted to {$100.00} and I never got that item. Front office of my apartment couldnt find the item if I didnt receive an item why am I not able to receive my money back. I contacted cash app support and nothing was done. The said to contact my bank to resolve it. But none of my banks mattered in this transaction the vacuum was a house warming gift my aunt sent me money to buy a vacuum. I never XXXX got it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is being reported inaccurately and incorrectly on my credit report. I see multiple 90-120 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Product: Credit reporting or other personal consumer reports

I contacted discover to tell them the account opened is not mine. They have now updated my credit report with some XXXX cell phone number that is not mine. The only phone number that should be to my name is XXXX with the name XXXX XXXX XXXX. Nothing else. 
And the address should only be XXXX XXXX XXXX XXXX 
All others are fraudulent and my information has been stolen. 
Why would I report accounts I owe nothing on!!! Think about it!!! Its fraud, please update the 2 accounts I flagged that are not mine and the phone number.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : Account numbers : OPEN DATE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXX XX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXXXX/XX/XXXX DEPT OF EDUCATION XXXXXXXX XXXX  I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of XXXX, so I do not need Transunion to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human XXXX  or XXXX XXXX  if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self attestation to you TransUnion. 
Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion received a letter from me in the mail around XX/XX/2022. The letter was an FCRA 605B letter stating that they needed to delete all fraudulent accounts within 4 days of receipt of this letter. Inside the letter, I included a summary of what needed to be removed, the FCRA 605B clause, a copy of my XXXX XXXX police report from XX/XX/2022 citing identity theft and naming each individual alleged account with each alleged account balance, a copy of my ID and social security card, as well a copy of my Transunion credit report showing all fraudulent accounts that need to be removed or blocked by Transunion. XXXX of the accounts was not blocked or removed from my credit report. That is XXXX XXXX ( XXXX ) account # : XXXX with a balance listed of {$1800.00}. All other accounts have been removed except this one, and XXXX XXXX already received a copy of my police report back in XX/XX/2022 as well as several phone calls about this fraudulent account opened in my name and XXXX. 

Additionally, Transunion mailed me a strange letter, accusing me of working with a credit repair company, and I have not worked, nor even consulted with any credit repair company. I know my rights, I know the law, and I know that FCRA. Like I said, I am a document in victim of identity theft. 

This fraudulent item needs to either be blocked or deleted from my credit report immediately or legal action will immediately follow. This is a violation of the FCRA ( XXXX ). Attached is a copy of my police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is reported that I was 30+ days late on a Bill. On XX/XX/XXXX the company listed above charged me a fee of {$39.00}, prior to that day this account had a XXXX balance. 

On XX/XX/XXXX, I received a notice from a credit monitoring service that a delinquency was reported to my credit history by XXXXXXXX XXXX XXXX. I signed into my account with XXXX XXXX XXXX and observed that they charged me this {$39.00} fee which had a due date of XX/XX/XXXX. I immediately paid the balance. However, I never received a paper bill, an electronic bill, late notice, and/or a phone call that I had this balance with them. 

I contacted XXXX XXXX on XXXX XXXX and spoke with a representative and advised that I never received any notice of this bill. The representative advised that no bill was mailed or no electronic statement was sent. The representative advised a dispute would be put in to have the delinquency removed and advised it would take up to 14 days. 
On XXXX XXXX the delinquency was still showing so I followed up with XXXXXXXX XXXX XXXX and spoke with a representative who advise that the dispute was approved and should show removed. 

On XXXX XXXX the delinquency was still showing, so I contacted XXXXXXXX XXXX XXXX  again about the matter and was transferred to a supervisor. The supervisor advised that the dispute was denied. After providing all the above details to the supervisor, she advised that no notification was made because the email on file was not valid. I provided her with my email of XXXX, and she advised that email was the one they had on file. Also in the past Ive received previously from XXXXXXXX XXXX XXXX electronic statements. She also advised that someone attempted contacting me at XXXX ( my cellphone number ) on XX/XX/XXXX at XXXX pacific time ( XXXX central time my time ). I check my phone records and did not have an incoming phone call at that time. The supervisor advised that she would put in another dispute form based on the above information. 

On XX/XX/XXXX the delinquency was still showing, I contacted XXXX XXXX XXXX again. I was again transferred to a supervisor. The supervisor advised that the dispute was denied. I was instructed to mail a letter to dispute the matter. 

I am requesting an investigation into this matter and requesting that these delinquencies be removed from my credit history. Its apparent that an error occurred in regard to notify me of the bill, which I was capable of paying if aware of it, and I am paying the consequence of that error. I have never been late on any of my bills since being with XXXXXXXX XXXX XXXX  and Im willing to take this as far as necessary to have this removed because this is a very serious matter to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX does payday and installment loans under " Check n Go ''. Every time you borrow money from them they go into your credit report even if you pay on time or have never had any problems with them they will put a new inquiry on your credit report. For example I just recently borrowed money from them and my loan will become due in three weeks they put an inquiry on my credit report the same day. In fact they will not let you get a loan or refinance a small loan without going into your credit report. They do it every single time you get any money with them big or small. 

They are unethical and ruthless with their practices. Do not use they 're services you will regret it when you see how many times they will put an inquiry on your credit report.
Product: Credit reporting or other personal consumer reports

In my previous dispute, there was an unfortunate oversight where incorrect documentation and mismatched CFPB dispute documentation were submitted. Despite this error, it is imperative to address the inaccuracies on my credit report to ensure compliance with federal regulations. I have included the correct documentation with this letter and expect immediate action to resolve these matters. 

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern : I attempted to resolve this issue with TransUnion on two separate occasions, on XX/XX/XXXX, and XX/XX/XXXX. Now, nearly a year later, the credit bureau has still not responded to my complaintsI, as a consumer, am not heard, but I am affected by their indifference. 

I am requesting help from the Consumer Financial Protection Bureau ( CFPB ) to resolve my complaint with the TransUnion credit bureau for failure to investigate, failure to respond within 30 days of my request ( on two separate occasions ), and failure to properly validate the process they used to prove that these inquiries are valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, PORTFOLIO RECOVERY add a derogatory marks on my credit report per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA PORTFOLIO RECOVERY has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

Looked at my credit report via XXXX, XXXX, & Experian and seen a lot of different inquiries that were unauthorized by me. The standing of my credit thankfully helped the them be denied on each of these inquiries. I Also had a collection ( XXXX XXXX XXXX ) I knew nothing about, so I don't know if this was from the same person or not but Im definitely a victim of identity theft.
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. 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 EFTA and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.