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

Upon reviewing my Equifax credit report I noticed a bankruptcy that is not mine. I contacted Equifax in XXXX about this matter and have continuously called about this matter. I sent a ftc report as asked to them on XX/XX/22 in order to get this item removed. I am a victim of identity theft and the listed bankruptcy reporting on my credit report is not familiar to me I have no knowledge of this public record. I have asked them to investigate and remove this based on the grounds of identity theft. From my understanding they have 5 days from the receipt of the ftc report to remove the fraudulent items I have listed in the report. They refuse to even acknowledge they received this item. I am attaching a copy of the report and my license for verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX account # 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

On XX/XX/22 I transferred {$290.00} to my PayPal account. It was my own personal funds so I could pay for my father 's groceries online. PayPal locked my account gave me no reason for doing so and then advised me that I wouldn't have rights to the account and that they won't give me my money back until 6 months from now. I feel that if they don't want to do business with someone they should return the money promptly and I believe that this is aligned with US law. I don't believe that they have a right to essentially get a {$290.00} interest free loan from me for 6 months without giving me account options or availability to my funds. I believe that they make up their own rules and no one in the government has had an opportunity to check on their operations to ensure that they're conducting themselves the way they should. They also use customer service from the XXXX that doesn't understand the laws of the US for financial institutions and they are rude. They don't maintain a solid customer service presence on their website and it's cumbersome dealing with them. They should have to hire appropriate customer service to cover the demands of dealing with people 's money in addition to researching the laws for financial institutions instead of thinking that their made up policies are sufficient enough to constitute law with no chance to dispute them. They believe that customers don't have a right to dispute anything with them and that's not the way we do things in America.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of identity theft resulting from a data breach. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2 ( a ), I am requesting that the following fraudulent accounts and credit inquiries be blocked and permanently removed from my credit report : Fraudulent Accounts : XXXX. XXXX XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$0.00} XXXX. XXXX XXXX - XXXX - XXXX : XX/XX/XXXX - {$1000.00} XXXX. XXXX XXXX - XXXX - Reported : XX/XX/XXXX - {$1100.00} XXXX. XXXX XXXX XXXX ( XXXX ) - XXXX - Reported : XX/XX/XXXX - {$1600.00} Fraudulent Inquiries : 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 XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  ) - XX/XX/XXXX
Product: Debt collection

This company previously reached out to me on my telephone XXXX at which point I asked for proof of debt, which I received by mail. I hadnt had a chance to follow up with them yet when I received an email outlining settlement terms. Before I could reach out, they attempted to contact me by calling the following phone numbers. 
XXXX XXXX XXXX XXXX There was no need for them to contact other phone numbers belonging to my family or friends, as they already had my contact information. I attempted to reach out to them to request the removal of my phone numbers, but I was hung up on twice. The representative then claimed he could not locate my information, even after I provided my contact details five different times. I was subsequently placed on hold and hung up on again.

This behavior is now bordering on harassment, and I would like to pursue legal action against this company. In addition this was truly embarrassing and the people they reached asked why a debt collector was looking for me knowing I pay my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021, Ally Financial offered an Extension Agreement for my automobile loan for one month as follows : A scheduled payment of {$150.00} will be due XX/XX/2021 and the remaining scheduled payments of {$370.00} each will be due on a Monthly basis beginning XX/XX/2021. 

Ally Financial followed up this Agreement in writing ( see attached letter dated XX/XX/2021 ). 

Payment in the amount of {$150.00} was paid to Ally Financial on XX/XX/2021 as agreed. 

XX/XX/2021, Ally Financial emailed me a notice stating that I am 27 days past due. 

I have tried to contact them via telephone and by email ( see attached ) dated XX/XX/2021 to correct this past due status. 

How can you be 27 days past due one day before payment is due? 

The collection department states I am {$860.00} past due as of XX/XX/2021 and the Customer service department states I am {$1200.00} past due. I can not get them to agree to the terms they agreed to in writing with me. 

XX/XX/2021, Ally Financial sent a letter apologizing for incorrect due date on the extension however, they have reported their error on my credit report and in their records and expect me to adhere to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to protect my identity
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. XXXX  XXXX {$460.00} XXXX  XXXX {$470.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account Number # XXXX, XXXX Account # XXXX, XXXX  Account # XXXX, XXXX  XXXX  XXXX account # 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: Bank account or service

On XXXX XXXX, USAA Federal Savings Bank notified us of suspicious login activity on one of our accounts. Someone had changed my password and PIN. As a result, they froze our accounts and denied us access to even see our balances. They said it would be two business days before the issue was resolved. After two days, they let us in to see our accounts, and we saw that someone had transferred money from savings to checking, and had committed XXXX unauthorized withdrawals. When we notified USAA, they told us they were going to keep our accounts frozen for another week while they investigated. Since then, we have had no access to either of our checking accounts or to our savings account, and every time we talk to USAA we get told they need " two more business days '' to investigate. We have been living off our credit cards for 14 days now as a result, and no one from USAA will call us back. 
In addition to the $ XXXX+ stolen by the criminals, we are now having multiple payments declined because of our frozen accounts, and are beginning to rack up penalties from creditors. We received a shut-off notice from our electric company yesterday afternoon. USAA 's inaction and refusal to communicate is beginning to cause damage to us financially.
Product: Credit reporting or other personal consumer reports

I am requesting removal of a really old debt that is still reporting on all three credit reporting agencies by XXXX XXXX ( XXXX ). This account has reached its statutes of limitations because it is over 7 years old. I want this account removed off all three credit reporting agencies XXXX, XXXX, and Equifax immediately as it has been having a negative impact on my credit report and stopping me from applying for other extensions of credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and CMRE Financial. The Account Opened is CMRE Financial Account Number : XXXX Date Opened : XX/XX/2019 Balance : {$110.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONTINUATION OF XXXX  AND AG COMPLAINT! 


XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX  XXXX XXXX  ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX XXXX XXXX XXXX ACCT : XXXX AMT : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX shows they had to write off/profit and Loss for XXXX. I paid this off XXXX XXXX reporting to the credit bureaus all three that this was a writeoff. I provided proof and sent the proof to all three bureaus and they all three advised me that the creditor has to remove the current status to list it as paid in full. When I spoke to the creditor they stated the bureaus have to remove. No one wants to correct my credit. I need your assistance to get this corrected. Please see the attached bank statement showing a payment of XXXX paid in full. 

XXXX XXXX Account number : XXXX XXXX
Product: Checking or savings account

Recently the XXXX approved forgiveness for my second round of XXXX loan. Accordingly, The funds were dispersed to US Bank. However due to the US Bank not assisting me with the forgiveness application in the past, I was forced or obligated to make payments on the outstanding balance. The balance of the loan produced by the payments made by me. When the XXXX  approved the forgiveness they dis disperse the entire loan amount to US Bank. However the balance was less than the original amount given to me. Now US Bank has the additional funds and is refusing to disperse them to me. according to XXXX  guidelines and provisions any payments made in excess of the balance of the XXXX loan shall be returned to by the lender. This US Bank has not done so
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 
Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these absurd violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on my experian credit report, it's not showing on XXXX  nor XXXX, I have two accounts that are not mine and needs to be deleted
Product: Credit card or prepaid card

I have made payments through my bank, and Comenity Capital Bank does not process my payments upon receipt resulting in daily interest charges and late fees. 
My most recent example is a payment from my bank to be received by Comenity Capital Bank on XX/XX/XXXX. Today is XX/XX/XXXX, and Comenity Capital Bank has not processed my payment. 
This has happened twice before with a payment to be received by XX/XX/XXXX. Comenity Capital Bank charged me a late fee on XX/XX/XXXX and processed my check on XX/XX/XXXX. I was charged a late fee once before in XXXX of XXXX with a similar delay in processing. 
I do not have this issue with any other companies or credit card companies. For example, I sent a payment to another XXXX XXXX XXXX XXXX through my bank to be received on XX/XX/XXXX, and the payment was processed the same day. 
Comenity Capital Bank is fraudulently holding my payments and possibly others to increase interest charges and late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a copy of my credit report and there were accounts reporting negatively on my report. I attempted to address this matter with the consumer reporting agencies, but they did nothing and continued to report this inaccurate information. This problem has become crippling to my ability to obtain credit and adequately provide for my family. It is unfair and irresponsible that these agencies recklessly report this information with out the written consent of the consumer to report this information. 
In accordance with the Fair Credit Reporting Act, XXXX ( ACCT # XXXX ), XXXX  ( ACCT # XXXX ), XXXX XXXX XXXX ACCT # XXXX ) HAS VIOLATED MY RIGHTS. 15 U.S.C. 1681 section 602 A states that I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 states a consumer reporting agency can not furnish any account without my written instructions.
Product: Mortgage

Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX  TX XXXX  RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately.

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}.

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.

..

I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX   attorney ; the Chapter XXXX  bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}.

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX  Nationstar Mortgage Number -- XXXX
Product: Consumer Loan

The agent for the company, XXXX, called my references after I was less then 1 week late on making my payment. They only made XXXX attempt to contact me which was by calling my home phone at XXXX when I, like most other people was at work and did not leave a message. When she called my references She gave detailed information as to why she was calling to my references so to embarrass me I assume. They were not given permission to contact or discuss my account or situation with anyone other than myself.
Product: Debt collection

Asset recovery solutions of XXXX Il. repeatedly calls and asks for information about another person including account numbers, credit card numbers, phone numbers, addresses, etc. I have asked them to stop. They are rude and seem to have a comprehension issue. My wife asked them why they do n't just send out a bill to this person, they responded " you tell me '' ... XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ). It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX and TransUnion Credit Bureaus last XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit Karma ran my credit on XX/XX/year> and on other dates after that day without my permission. I believe I am a victim of Identity theft and would like th credit check off of my credit report because I did not personally authorize.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX XXXX alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX XXXX has niether corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX 's inaction violates federal law and my rights as a consumer.
Product: Debt collection

This debt was not mine it was us 2011 and it was not mine I someone use my credit and received and apartment under my name which I did not get one. They never check who was the person they were hurting for people and that person who received my ss they used it to get a apartment. I demand it of right away or I will have a Cease order file against this creditor and sue them to the fullest. I want it off in XXXX   and XXXX.