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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX WY XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance XXXX : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$84.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This letter is a request of the steps that your company took when investigating the disputed item. Please send me a detailed explanation of how you obtained these results. Did you receive written notification from the company or was it a verbal confirmation? 
Also, I would like the address you mailed the request to or the phone number you used to contact them. Please do not send me a generalized response showing the normal investigation procedures. I am requesting a detailed explanation of how you received these specific responses. 

I am also requesting the date that the supposed delinquency incurred, which should have been given to you by the companies. I know that it typically takes XXXX years for a trade line to be removed, but I would like to know the specific month and year that this trade line will be removed. 

ACCOUNTS XXXX XXXX XXXXXXXX and 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. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX  of  2017, I was trying to refinance my house. Currently, my student loans through   XXXX   are on deferment. When applying to refinance, the loan company is reporting wrongly and it has majorly lowered my credit score and it is affecting me not being able to refinance. The way   XXXX   is reporting to the credit company, it is showing that I am over my limit with them and delinquent when I am not because I have permission and have taken the right steps forward in making sure I did that process correctly. Due to it showing that I am delinquent ( when i am not ) and over the amount of the loan ( over the total amount I am allowed to borrow is how I was told ), it is making it look like I am way behind on payments. I do call   XXXX   in  XXXX  2017 and   they said that is how it gets reported and there is nothing they can do. They have also not worked with my to try to lower the amount I owe per month and it could cause me to lose my house because I ca n't get a lower payment and I now ca n't refinance my house because of how it is being reported to the credit company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the validity of the debt associated with the accounts reportedby XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to the credit reportingagencies. I have strong reason to believe that this alleged debts is fraudulent, and itsinclusion in my credit report is both inaccurate and damaging to my creditworthiness.As per the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit ReportingAct ( FCRA ), I am entitled to receive validation and verification of this debt uponrequest. I hereby request that you provide me with all necessary documentationvalidating the debt, including a copy of the original contract or agreement, anystatements reflecting my obligation, and the chain of ownership demonstrating howyou acquired the alleged debts. All accounts listed in Identitytheft are opened not byme and follow the law must be removed from credit report immediately. Furthermore, I request that you cease all collection activities related to this account until you haveprovided the required validation. Any failure to comply with this request within thestipulated timeframe may result in legal action, including but not limited to a lawsuitfor violations of the FDCPA and FCRA. Please be advised that I am aware of my rightsunder the FDCPA and FCRA and will not hesitate to pursue legal recourse ifnecessary. Additionally, I have already filed a report with the Federal TradeCommission ( FTC ) and law agency regarding this fraudulent account.
Product: Debt collection

I pulled my credit report and noticed that Credit System was reporting on my credit report, I never received an early warning notice, I sent a notice to them letting them know that I never received an early warning notice and how can they place it on my credit report, no response, they just continue reporting on my credit report
Product: Credit reporting or other personal consumer reports

In accordance with section 4021 of the cares act my account was not recorded as current while making accommodations with my creditor on paying payments late. I have wrote multiple letters to the creditor as well as to the credit bureaus on rectifying this problem. All payments on the installment loan from Capital one from the day of XX/XX/XXXX to XX/XX/XXXX should be marked as paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

On me TransUnion XXXX XXXX credit there is a phone number on my personal information that is not mine that number is XXXX I do not no who this is Ive never seen this number before Ive as TransUnion and XXXX XXXX to remove but they have not don remove the XXXX The only numbers I have of is XXXX and XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was contacted multiple times by the company regarding a debt. I told the company that the debts are not mine. I was told that it is mine and I need to pay now and was offered a reduction. Each time they were rude and even laughed. 

I was not told that I can dispute or even how to dispute the file within a specific timeframe or any information except to pay the debt.
Product: Debt collection

I am repeatedly getting calls and voicemails with a recorded message telling me to contact Harris and Harris , Ltd. by calling the provided number. When I finally was able to reach a live person, I was informed that the company was trying to collect on a debt. When I asked for the name of the person and the address they were trying to collect from, they refused to give me the information. They then asked me for my name and address, which I obviously am not going to provide to a company that can't even tell me who they're trying to collect from. I am not delinquent on any debt, and Harris & Harris , Ltd. has provided no means for removing my phone number from their call list.
Product: Debt collection

XXXX says we still owe {$50.00} from XXXX. 

In XXXX we rec 'd a collection notice from XXXX, stating if we paid {$32.00} of the XXXX they would resolve the account. I paid that amount on XX/XX/XXXX. 

This week ( XX/XX/XXXX ) we rec 'd a collection notice from Waypoint Resource Group saying that we still owe the XXXX from XXXX. The person I spoke to said she's talked with other customers who have a similar issue. I asked to appeal, saying I've already paid what was owed. She said that several XXXX account debts from XXXX have resurfaced.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion, and XXXX have allowed identity theft and fraudulent accounts to remain on my credit report,
Product: Debt collection

Unified Recovery Services for XXXX XXXX on a credit card, stating I owe {$1000.00}. I do not. I was mailed a letter from XXXX Office manged by XXXX XXXX and I responded by USPS mail within 30 days of that letter yesterday on XXXX/XXXX/2016 and also by fax. I told them I disupte this debt and that I am contacting the FTC. I dispute this debt.
Product: Credit card or prepaid card

Barclay Wyndham Visa Card - company clearly states on their statements the total to be paid monthly to avoid interest charges, you pay it, then they still charge interest - I have had to call repeatedly to get these erroneous interest charges reversed, always pointing out to them their own documentation outlining what is to be paid to avoid interest, which I pay monthly- this is time consuming & I am sure most people don't bother for that reason, but it is the principle of this practice. I have spent numerous hours on the phone with them as this happens every couple of months and in spite of me asking them to resolve the issue ( the charging in the first place ), it continues to go unresolved ( although they do always reverse the interest once I call and wait on hold, etc. ). 

Interest erroneously charged on XX/XX/23, XX/XX/23 most recently this year, in spite of their page XXXX of prior month statement stating amount to pay to avoid interest, which I paid in both cases. XXXX, XXXX, XXXX & XXXX statements attached for your review where you can see this.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX my complaint con XXXX credit report theirs three adverse negative accounts that are fraud it's supposed to be removed theirs a federal trade commission identity theft report on file. And XXXX  credit report theirs is one negative account that's fraud it supposed to be removed from XXXX credit report I have a federal trade commission identity theft report on file and equifax Credit report their is one negative item that's fraud it supposed to be removed from my equifax Credit report theirs is a federal trade commission identity theft report on file
Product: Mortgage

To whom it may concern : Please see information attached which shows I signed and agreed to a modification on XX/XX/XXXX. Due to unemployment until XX/XX/XXXX, per the attached agreement I informed XXXX of my Employment and on several occasions contacted the office to put my loan back in good standing as Promised.Instead I now have a higher interest rate and also added interest separated from my principal in the amount of over {$37000.00} since XXXX I have paid more interest, and I have interest which is waiting for me to pay the loan in full. My loan was paid up by XXXX XXXXXXXX XXXX until i got a Job. When I started back to work the loan was caught up. I have tried to correct this for over 4 years. I am reaching retirement with my mortgage, in a situation that I was promised that the loan would be Refinanced or modified by XXXX, however when I called they told me they had no authority to do what they promised. I feel the promise was just to get me to sign the paperwork.Speaking to Representative after Representative then Mortgage transferred to still getting no help. Phone call after phone call has caused me so much frustration, I do not think at XXXX  years of age I should have this battle, therefore I am really hoping to get this settled with help from CFPB. This is my second request for help, my property value is not increasing, and the home needs some repairs.I will be retiring in XXXX, and would like to do so in peace. I am providing the attached information. Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed inaccurate personal information. According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following names, and addresses are inaccurate : NAMES : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX FM XXXX XXXX XXXX TX XXXX. Also, according to 15 USC 1681s-2, 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: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Enclosed are : my drivers license, my social security card, proof of my current address, my Federal Trade Commission Identity Theft Report, and a copy of SECTION 605B of the Fair Credit Reporting Act. I am writing to request that you remove/delete and place an immediate block on the fraudulent information listed below from my credit file within 4 days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information listed below does not relate to any transactions that I have made ; therefore I am requesting that these items be completely removed/deleted and blocked from my credit file. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft Please remove and block the following information from my credit report pursuant to section 605B of the Fair Credit Reporting Act within 4 days. I am requesting that the following fraudulent items be deleted and blocked from my credit file. 

Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$400.00} INQUIRIES : XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX These items are either reported incorrectly or have already been resolved, and I ask that they be thoroughly investigated and corrected. I have already reached out to both the credit reporting agency and the data furnisher, but the issue persists. Ive attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please address this matter promptly and update my credit report with accurate information.
Product: Debt collection

In XX/XX/2023 I contacted Blakely Witt to inform them they were furnishing inaccurate information on my consumer report due to me being a victim of identity theft. You can also see in the letters that I have attached that I requested a method of verification. Verification still have not been received.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details, exact Prohibition : a law or regulation forbidding something.

I did not make any of this up, this is directly from congress!
Product: Debt collection

Another bogus collection from identity theft. 

My name is not XXXX XXXX The company that issued credit did not screen this frauder I told the collections and now I have to spend my time proving this to them. 
XXXX Transworld Systems INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 XXXX  financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXXXXXX and Account XXXX : XXXX .... has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

and according to 15 USC 1681eb they are supposed to ensure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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: Mortgage

To whom it may concern : Back in XXXX XXXX, I was laid off from my job at XXXX XXXX for a year. My last mortgage payment was XXXX XXXX. 
While urgently trying to seek employment I worked every week for over a year with BOA in hopes to secure some sort of modification and/or assistance, since I was unable to make my mortgage payments. For the first XXXX months, I depleted savings and borrowed money from family and friends. Unfortunately, after XXXX+ phone calls, emails and letters to the BOA , FL State Attorney General, Congress , XXXX, Office of the Comptroller of the Currency, etc. the list goes on and on I could not get anyone from BOA to assist me properly. 
Finally, in XXXX XXXX XXXX XXXX hired me back but the job was a project based in XXXX. I left the United States XXXX XXXX and returned XXXX XXXX. 
I hired an attorney to assist me as I was not getting anywhere with BOA to modify the loan. There were times I was told I was approved, I sent payments that would be returned. Then XXXX XXXX, we were due to go to mediation and BOA dropped the lawsuit stating my loan was satisfied ( see attached ). My attorney attempted numerous times to contact BOA to advise them of the mistake and no one would look into the situation. 
I then was contacted by BOA XXXX XXXX stating I needed to bring the loan current. I worked with my attorney and submitted several application packets. 
XXXX XXXX, XXXX we met for a response to complaint unfortunately I was faced with another lay off as of XXXX XXXX, XXXX and found a job in XXXX XXXX but recently changed to XXXX XXXX XXXX XXXX. 
I would like to retain my home and have recently had a motion to withdraw my council in hopes to work together more efficiently. I have a HUD counselor but I 'm not getting too much support. 
My intention was NEVER to drag this process out. I logged XXXX of calls, XXXX of applications and received promise after promise but now they have an XXXX XXXX, XXXX forclosure date. 
My loan was a no docs/interest only adjustable loan with Countrywide. There were XXXX class action law suits that I quailed for additional funding support and BOA has repeatedly ignored my request. 
If you have any questions or require further information, please do not hesitate to contact me at XXXX. 
Thank you for your consideration and I appreciate any help you can offer me.