23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please see attached dispute letter. 

Also, this account was previously deleted with XXXX XXXX Account Number XXXX ; XXXX XXXX, Account Number XXXX ; and XXXX XXXX XXXX XXXX Account Number XXXX. I am not sure why the account keeps getting resold when it was legally deleted from my credit report for violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Everyone I have disputed it with as deleted it because they have failed to provide proper validation and verification.
Product: Mortgage

This mortgage company is deducting money from my escrow for payments other than insurance or taxes. The following month they are claiming an escrow shortage. I have requested an audit showing all money transfers or cancelled checks and have been refused.
Product: Credit reporting or other personal consumer reports

Never get any responses to disputes, inaccurate information remains on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts falsely reported to my credit report. I complained to the FTC, and directly to the credit bureaus. I submitted copies of my DL, SS Card, Current Bills, ETC all to prove my identity. I asked them to match the signatures on my DL with the signatures on the accounts falsely opened in my name. 

-XXXX XXXX XXXX XXXX XXXX : {$3400.00} -XXXX XXXX XXXX XXXX XXXX XXXX {$120.00} -XXXX XXXX XXXXXXXX : {$330.00}
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 XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : Unknown Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries 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 or other personal consumer reports

I paid off the full balance of my XXXX XXXX XXXX XXXXXXXX ) credit card ending in XXXX. I requested all cash back dollars to be paid out in XXXX of XXXX. I requested that the account be fully closed in approx. XXXX of XXXX via phone. The account was REMOVED from the online banking AND app banking systems. Statements were NO LONGER BEING PRODUCED. To my knowledge, the account was closed successfully. The absence of this account on ANY records, support that they began the process of closing the account, but did not report it in a timely manner to credit bureaus. 

In XXXX of XXXX, I was notified that they were closing my account : which was supposed to have been closed several months prior. I relayed this to multiple representatives, none of whom were able to assist in any notable capacity. 

XXXX is refusing to correct their tardy credit reporting. They are refusing to audit the account history. They are refusing to supply documents to me to review personally. 

After attempting to resolve issue in XXXX of XXXX, I did not receive any new emails or letters about this account ending in XXXX. Now after months have passed, they are YET AGAIN showing this account as active in email messages : this demonstrates their inability to properly monitor and document the status of this account. ( see attachment )
Product: Credit card

Called in XXXX to get my account caught up due to falling behind from personal circumstances. They told me if I paid XXXX months in a row the account would re-age. I made all the payments. Called back again in XXXX and I was told there was never a re-age on my card. She stated I was told incorrect information. She then set me up on a payment plan that would stop all interest and late fees. When I was told I was being put on a reage plan my account continued to accrue interest and late fees. This NEVER would have happened had they done it correctly the first time. The rep said she would file a dispute on my behalf. I have called and called and called. NO ONE can give me an answer as to what is going on. I get told something different EVERY TIME I call. They then tell me to call a number that NO ONE answers and a recording comes on stating they cant take calls. This last time I called the lady lied and said she tried calling the number and it went through. Not even possible as Ive called it over and over again and never goes to anyone. I finally filed a complaint with the XXXX. A lady named XXXX then called. She said she had to look into it and would call me back. Took her weeks to call me back. When she finally did she was of no help and refused to listen to all the calls I made where I was told the wrong information. I then requested to speak to her XXXX, and she stated that she would have them call me. That has been weeks ago. I have not heard from anyone. I have left numerous messages for her, but she never responds.
Product: Credit card or prepaid card

XX/XX/2019 My credit card was charge twice. {$5000.00} and {$3000.00} I tried to dispute it since then no luck. I wan na file a complaint towards my credit card company for not crediting it back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Credit reporting or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1600.00}.
Product: Money transfer, virtual currency, or money service

I am filing a complaint 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 Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

the account was not my account fraud account i disputed with XXXX  and XXXX  but no result
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX Dear XXXX XXXX XXXX XXXX replying to your communication regarding a debt youre attempting to collect. You reached out to me via phone/mail and provided the following account details : XXXX XXXX XXXX XXXX I am informing you that I dispute the debt youre claiming I owe.

If you have reason to believe that Im still responsible for this debt, kindly provide the following details to ensure I have all the necessary information : The creditors name and address who is currently requesting payment The original creditors name and address ( if different from above ) The amount owed The account number Documentation that proves there is a legitimate reason you think I owe the debt, i.e., a copy of the original contract The most recent billing statement the original creditor sent to me An itemized list of any additional interest or fees An itemized list of any payments since the most recent billing statement If youre providing this data to a credit bureau, please report that Im disputing this debt. 

Sincerely, XXXX XXXX
Product: Credit card

XXXX XXXX XXXX issues credit cards under the prosper brand. I had fraud on my card so i filed a police report and reported it to the bank at least 5 times now. Every time i contact them, they tell me i can not speak to a fraud representative on the phone as they dont have phones. The fraud transaction occurred on XX/XX/XXXX for {$510.00} and is still on my account as of writing this. My statement is coming up due on XX/XX/XXXX and the bank representative urges me to pay at least the minimum statement balance, which im not doing. If this affects my credit i will be filing a lawsuit against this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a two late payments on my credit report from Comenity/XXXX XXXX which I never be contacted through phone call or email before it happen due to an error on my automatic payment schedule with my bank, if you verify all my account have an excepcional payment up to 5 years ago, and this account continue up to date on payments after I be aware of the situation, it is hurting my current credit report and it is no fair without a previous alert from the lender, I would like to remove this two late report.
Product: Debt collection

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Account # XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX, ( XXXXXXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that NATIONAL CREDIT SYSTEMS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NATIONAL CREDIT SYSTEMS & the original creditor, notarized and sworn under penalty and perjury NATIONAL CREDIT SYSTEMS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.

Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
Product: Credit reporting or other personal consumer reports

XXXX attempt- requesting the removal of the attached closed accounts. XXXX XXXX and XXXX XXXX added Remark codes which dropped my score down to about 40pts!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items and remove negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX  XXXX ; XXXX XXXX ; XXXX XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my property in XXXX XXXX had some hurricane damage, and my mortgage company, XXXX XXXX XXXX ( XXXX ), offered me forbearance for 3 payments that would be added on to the end of my mortgage. I accepted forbearance, and in XXXX, just as the forbearance period ended, XXXX transferred my mortgage to XXXX XXXX XXXX. The XXXX   agreement stated that XXXX  would accept and complete the forbearance agreement made by XXXX. XXXX  harassed me and finally added a modification onto my loan, but instead of a forbearance modification, they processed it as a foreclosure modification, which showed up on my credit report as my being delinquent with mortgage payments. They pressured me, giving me one day to sign which allowed no time for legal review, threatening foreclosure if I did not sign. I disputed it with the credit bureaus later who did nothing to correct it, and it ruined has my credit score. XXXX refused to correct their mistake and I have been turned down for refinancing my mortgage because of the mistake XXXX   made and the delinquency on my credit report. Changing the forbearance modification to a foreclosure modification is an unfair bait and switch practice, and has cost me my credit. At the time I didn't know the difference in the modifications, but now I understand what has happened and I am requesting that the delinquency be removed from my credit report and my mortgage be corrected due to this unfair practice. This has damaged my financial reputation and cost me money. I tried to refinance with XXXX  again and they just told me yesterday XXXX they can not proceed until this mistake is corrected. I have paid almost {$1000.00} in fees for appraisals and application and my loan is denied now because of XXXX XXXX mistake. As a senior citizen I feel this is unfair, and I deserve punitive damages from XXXX now that I have figured out what they actually did is illegal. I was entitled to federal forbearance from a natural disaster and they defrauded me to accept a foreclosure. I can not even refinance my house and get away from XXXX because of the mistake they refuse to correct on my credit report. XXXX agreed to take the loan from XXXX " as is '', then switched it to a foreclosure. They refused to correct the balance or give me credit for all payments made in XXXX. There have been no delinquent payments, and I have submitted receipts to XXXX  and the credit bureaus. XXXX documented the 3 months of forbearance as 3 delinquent payments and threw me into foreclosure and forced me to agree with a foreclosure modification and did not explain the difference in a federal disaster forbearance modification and a foreclosure modification. Please help me straighten this out and get the delinquency off my credit report so I can get away from this unethical mortgage company. The mortgaged property is at XXXX XXXX XXXX. XXXX in XXXX XXXX, where I hope to retire to. I live and work in XXXX and my address is XXXX XXXX   XXXX # XXXX XXXX, XXXX XXXX Thank you. XXXX XXXX XXXX XXXX-XXXX.
Product: Credit reporting or other personal consumer reports

I contacted ( XXXX XXXX  ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at the address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within XXXX business days of the completion of the investigation. 
Thank you for your help and assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Received a email this morning stating that my account was being closed cause of a deposit account agreement without notice
Product: Credit reporting 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 BANK XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$40000.00} XXXX XXXX Balance : - XXXX  OF XXXX XXXX XXXX : XXXX XXXX BANK XXXX  XXXX Balance : XXXX XXXX XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX CARD XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX  XXXX Balance XXXX - XXXX XXXX  XXXX Balance : - Bankruptcy chapter XXXX-discharged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX XXXX XXXX XXXX XXXX Bankruptcy chapter XXXX-dismissed Filed on XX/XX/XXXX Reference number XXXX XXXX Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NA Inquired on XX/XX/XXXX XXXX XXXX BANK NA Inquired on XX/XX/XXXX XXXX BANK XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX Balance : - XXXX  OF XXXX XXXX Balance : - XXXX  - XXXX SERVICE XXXX Balance : - XXXX  XXXX XXXX XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX DEPARTMENT OF XXXX XXXX Balance : - Bankruptcy : Dismissed XXXX Filed on XX/XX/XXXX Reference number XXXX XXXX Court : XXXX XXXX CT Bankruptcy : XXXX XXXX Filed on XX/XX/XXXX Reference number : XXXX XXXX  XXXX BANK XXXX Inquired XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$92.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : - XXXX OF XXXX XXXX XXXX : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX  CARD XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX DEPT XXXX XXXX XXXX : - XXXX  CARD XXXX XXXX : - XXXX XXXX  XXXX Balance : {$1700.00} Chapter XXXX bankruptcy discharged Filed on XX/XX/XXXX Reference number : XXXX Court : XXXX Bankruptcy XXXX Chapter XXXX bankruptcy dismissed XXXX on XX/XX/XXXX Reference number : XXXX Court : XXXX Bankruptcy XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose. 

XXXX XXXXXXXX XXXX XXXX Capital One XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent the letters to 3 credit bureaus the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. that means the 3 credit bureaus has NOT complied with the Fair Credit Reporting Act XXXX. REMOVE OR BLOCK THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX