23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Identity Theft Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to formally express my concerns and frustration regarding the Experian data breach that occurred in XXXX  As a victim of this incident, my personal and financial information has been compromised, leading to significant distress and ongoing issues with identity theft. Experian is inaccurately reporting my Social Security Number, posing a significant risk to my financial security and identity integrity. You have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | may presume that no proof of the alleged debt nor therefore any such debt in fact exists.

Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

FCRA Violation : This misreporting violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires furnishers of information to provide accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft and been a victim of identity theft for 11 years. I have fraudulent and unauthorized hard inquiries listed on my Trans Union, XXXX and XXXX credit report. The following hard inquiries are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX/XXXX, XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX
Product: Mortgage

My escrow payment went up and i did not know it, so on the 4th month Carrington Mortage decided to suspend my payment for the month of XXXX. When i received the letter at the end of XXXX stating that my mortgage payment was not received, i immediately checked with my bank to find that the check had been cashed and was in a 'suspense ' account at Carrington XXXX Due to their system i could not just pay that shortage amount i paid the past due escrow amounts plus my XXXX mortgage payment. 

Today i get a letter in the mail stating that i owe another XXXX. When i call customer service they told me it was a fee assessed on the same day that i made the payment. 
It was a collection type of fee, that i was not told about when i made the payment on line. 

In order for me to get this fee removed i must write to their other department. i can not speak to anyone about this. 
They have assessed a late fee which i have already paid when i paid on XXXX. 

In general, they are extremely difficult to communicate with.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of an account and associated inquiries listed below, as I am a victim of a data breach. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have fraudulent information resulting from identity theft removed from my credit report.

Fraudulent Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am writing to express my profound disappointment, anger, and disbelief regarding your handling of the fraudulent account that has appeared on my credit report. Despite my numerous attempts to resolve this issue and my diligent submission of all required documentation, including the FTC Identity Theft Report, this fraudulent account remains unresolved, and my credit report continues to reflect inaccuracies that are severely impacting my financial standing and peace of mind. 
I brought this fraudulent account to your attention because I was assured that an investigation would be conducted, and the account would be removed if found to be fraudulent. Since then, I have written multiple letters and provided all necessary documents, including : A detailed explanation of the fraudulent accounts. 
The completed FTC Identity Theft Report. 
Copies of my identification documents. 
Any additional information requested by your office. 

Despite my compliance and the clear evidence presented, I am deeply frustrated to find that my efforts have been in vain. The account in question remain on my credit report, and I have not received any satisfactory resolution or clear communication regarding the status of your investigation. 

It is disheartening to experience such neglect and lack of responsiveness from an institution that plays a crucial role in safeguarding consumer financial information. The continued presence of this fraudulent account is not only unjust but also a severe breach of my rights as a consumer. I expect prompt and decisive action to rectify this situation. 


XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX.
Product: Debt collection

I want to try this again since this company 's response is always the same. I do n't feel that this company is looking into this at all and I feel they are running an illegal practice in their collection agency. 
I have recently relocated to Mississippi for work and was informed by my attorney that this claim needs to be taken off my credit report per Mississippi Law. I have been fighting this company for over a year now with this claim. IT 'S NOT MINE. I am trying to buy a home as I am currently living with a coworker and trying to XXXX with me. So for the last time before I get my attorney involved take care of this claim. 
You claim you ca n't find me in your system, well here 's your info My account number with you is XXXX Your clients account number is XXXX
Product: Debt collection

Within the past two years, I have received collection notices from several companies representing a debt with XXXX. I have disputed with all of the companies and now they have, once again, placed the account with another collection company by the name of AFNI. The XXXX collection efforts violates the FDCPA federal debt collection practices act as they are stating that this debt needs to be paid or threatening legal action if I don't. I have not had any dealings with XXXX or its subsidiaries in over 13 years. These debts, if any, are time-barred. Additionally, they continue to harass me to make payment by phone and mail multiple times. Furthermore, they are also in violation of FCRA laws as they are inaccurately reporting this debit on my credit which has caused a negative impact on my score.
Product: Credit card or prepaid card

In XX/XX/XXXX, I submitted a rebate offer from XXXX XXXX XXXX XXXX XXXX. In XX/XX/XXXX, I received two prepaid Visa cards from North Lane Technologies. One was for {$4.00} and one was for {$6.00}. The cards were valid for one year, with an expiration date of XX/XX/XXXX. 

In XX/XX/XXXX, I tried to use the cards, only to find out there was only {$.00} balance on one and {$3.00} on the other.

In the fine print, North Lane charges a maintenance fee of {$3.00} after 6 months, wiping out 70 % of the balance. On XX/XX/XXXX, I called North Lane and requested they reconsider this policy and restore the small amount on my cards. I was met flatly with, No, its in our terms and conditions.

This is a terrible and deceptive practice to claw back money for absolutely no reason.
Product: Money transfer, virtual currency, or money service

I have money on my cash app card I've reached out to cash app about this problem and they stated to contact Unemployment I spoke with unemployment and they said that they can not retrieve the money and tell cash app to return the money back to unemployment which they have not done I can not reach cash app to resolve this issue they have lock my cash card and will not allow Me to get my money off My Cash Card
Product: Credit reporting, credit repair services, or other personal consumer reports

This is 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 letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE THIS ACCOUNT FROM MY CREDIT REPORT : XXXX  XXXX XXXX
Product: Mortgage

I closed on my home refinance in XXXX XXXX XXXX. At this time on XX/XX/XXXX my LTV is around 68 % or less. My home loan balance is XXXX and my estimated value is XXXX. I contacted flagstar bank to let them know I would like my PMI removed and they are stating the loan has to have the PMI for 11 years. I asked for paperwork with proof of this requirement and they were unable to provide none on XXXX My loan number is XXXX.
Product: Debt collection

I have been dealing with First Financial Asset Management ( FFAM ), for several months about a bill from XXXX XXXX XXXX XXXX. FFAM says I owe {$300.00} total, {$250.00} for car damages to a side window and {$50.00} for an administration fee. Now the rental car did get broken into and I had to pay the repairs up front before I could even rent a new car. I sent the credit card statement to FFAM showing where I paid and my receipt from XXXX XXXX. Plus, you have to have an active credit card on file with a car rental company. In XX/XX/XXXX FFAM said that that the damages I paid for originally wasnt the same thing that they are trying to collect on. I then asked for an itemized list of the charges and they said I should have it within 3-7 business days. They did not even mail it until XX/XX/XXXX. Then the invoice in the letter was the one that I already paid and not even this {$300.00} that I owe. So I called FFAM on XX/XX/XXXX and was told that I have the invoice. Also, I realized the account number they claim is mine from XXXX XXXX isnt even my account number. I have gathered that there is no invoice for the {$300.00}, but they said they would mail it and I should receive it within 3-7 business days. However, when I ask for them to give me details about the invoice for the {$300.00} they just say that they are looking at it. I know they likely make commission off collecting this debt, but I want someone to just get rid of this debt that never existed to begin with. I know these individuals are just trying to do their job, but I want this over with.
Product: Credit reporting or other personal consumer reports

There was a fraudulent purchase on my XXXX XXXX XXXX  account. XXXX credited my account and sent me a new card. XXXX has yet to restore my credit rating. The unauthorized purchase led to a 30 day late that should have been removed from credit report after the investigation ruled in my favor.
Product: Credit reporting, credit repair services, or other personal consumer reports

My heart sank as I received the disheartening news : my dream of buying a home had been shattered due to the discovery of identity theft. The shock washed over me like a wave, leaving me feeling vulnerable and betrayed. How could someone steal my identity and jeopardize my aspirations? The sense of violation and injustice consumed me as I grappled with the harsh reality before me. In this moment of despair, I knew that I had to gather my strength, reach out to authorities, and take immediate action to rectify the situation. It was time to rebuild not just my credit, but also my trust in the system, and ensure that my dreams would not be forever deferred.
Product: Debt collection

Dear Sir I received a letter in the mail from this company called XXXX XXXX XXXX, and Convergent Outsourcing inc for a debt. They say I owe XXXX dollars for a debt they are trying to collect. The reduced amount is XXXX to settle the debt. I lived in the XXXX XXXX XXXX XXXX for 31 years I paid my bills on time I am a veteran and I worked for the XXXX  XXXX   XXXX XXXX  for XXXX years and the monitored my debt activities and I had to keep my bills paid on time so t could keep my job with the XXXX. I paid my home loan with XXXX  XXXX XXXX and auto loan with XXXX XXXX bank. I kept my credit monitored back XXXX XXXX because I was a victim of credit fraud. And the XXXX  offer credit monitoring for employees. This letter I received in the mail from them on XXXX/XXXX/2020.
Product: Credit reporting or other personal consumer reports

I requested that my name, address, date of birth, and place of employment to be updated. Letters were sent out to all three bureaus, via mail. I have yet to receive anything that has shown the update.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.
Product: Debt collection

Company name : XXXX XXXX XXXX ( Original Creditor : KORNERSTONE CREDIT ) Date account open : XX/XX/2022 Amount {$1900.00} I was reviewing my Credit report and noticed a fraudulent account that was on my credit report. I called the number that was on the report regarding the account and asked them if they could remove it from my account due to it being a fraudulent account. They stated this is your account. I asked them for the original contract. Within days of me asking for the contact. I received phone calls asking how I want to pay for this balance. I then notified them agian the account is a fraudulent account and the signature on the contract wasnt mine, and i never open this account. Can they remove this from my credit report cause this fraudulent account Is affecting my ability to buy my dream home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXXXXXX XXXX  XXXX XXXX XXXX XXXX Account XXXX 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: Debt collection

NEVER had/ have any dealings with this company. 
I don't owe them anything!
Product: Mortgage

1. I refinanced my old loan issued by Nationstar with a new loan from XXXX XXXX NA. The settlement of refinancing was done on XXXX XXXX, 2015 with a settlement company named XXXX XXXX XXXX XXXX ( " XXXX '' ). 

2. The new loan was issued by XXXX XXXX on XXXX XXXX, 2015 ( see Exhibit1 ). 

3. On XXXX XXXX, 2015, XXXX XXXX ( apparently using XXXX XXXX XXXX ' account ) wire transferred {$240000.00} through the XXXX XXXX ( which is XXXX ) to XXXX XXXX XXXX ( which is Nationstar 's bank ) as instructed in the payoff quotation issued by Nationstar on XXXX XXXX, 2015 ( see Exhibit 2 ). 

4. On XXXX XXXX, 2015, XXXX XXXX received a request for information from XXXX XXXX demanding information about me ( date of birth, place of birth, and so forth ) ( see Exhibit 2 ). On the same date, XXXX XXXX sent the requested information about me to XXXX XXXX Bank by email ( see Exhibit 2 and for the attachment to the email, see Exhibit 3 ). 

5. On XXXX XXXX, 2015, XXXX XXXX XXXX released the funds to Nationstar ( see Exhibit XXXX ). And on the same date, XXXX XXXX demanded Nationstar to pay off the old loan as of XXXX XXXX, 2015 since it was the date on which Nationstar 's bank received the payoff amount ( see Exhibit2 ). 

6. On XXXX XXXX, 2015, Nationstar told me that the wired fund was short of {$170.00} to pay off the old loan, and the loan was still pending and would keep accruing interest of {$39.00} a day ( see Exhibit 4 ). Nationstar explained to me that it did not apply the funds to pay off the old loan because the old pay-off quote was valid only until XXXX XXXX, 2015 ( see the Payoff Quote in Exhibit 2 ). 

7. On XXXX XXXX, 2015, Nationstar called me again and demanded additional interest amount of {$470.00} to pay off the old loan ( see Exhibit XXXX ). XXXX XXXX wire transferred the shortage amount to Nationstar 's bank ( XXXX XXXX XXXX ) ( see Exhibit 7 ) on the condition that I reimburse XXXX XXXX 's additional cost ( see Exhibit 6 ). On the same date, I sent out a check of {$470.00} to XXXX XXXX ( see Exhibit 8 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent a certified letter to XXXX XXXX XXXX showing that my wife and I refuse to pay the debt they are trying to collect. My credit reports were pulled from annualcreditreport.com is still showing a negative item from them and shows that I am disputing the account. How can I be disputing the information AND refusing to pay the debt. I've attached the receipt, the letter, and a credit report showing the information. 

They are also trying to charge interest on the debt. My lease with the apartment complex does NOT have any language stating that interest may be charged in any event. That is against California state law.

I demand that this be removed from my credit reports due to many errors. Laws state that they can only report things that are accurate.
Product: Debt collection

I mailed Genesis Credit Management a Debt Validation letter on XXXX I checked the tracking on XX/XX/ and the post office is returning the mail due to their XXXX XXXX being vacant. Now when I check checked my XXXX report to write them a dispute XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX is listed on my credit report as their address. Please see attachment. So I wasted my my hard earned money on mailing a letter to this company that claims I owe them money. I never received the paper in the mail that statesI can dispute the alleged debt. Please see all attachments
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, debtor, and holder in due course pursuant to UCC 3-306, I am asserting my right to acquire documentary evidence in accordance with 15 U.S.C. 44 for the books of account as defined in IRS Publication 583 in regards to Account Swiss Colony Account # : XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
I will need this documentary evidence to insure that your office isnt using unlawful extortionate means, as defined by 18 U.S. Code 891, with forethought and malice to bring harm to me and my financial reputation by making any false claims of securities, causing a tax liability. This documentation showing my legal obligation to pay you would insure me that there isnt any unlawful theft by deception, bank fraud, and creation of the false and deceptive form is in the act of taking place to a federally protected consumer, beneficiary, debtor, and holder in due course pursuant to UCC 3-306.

Also note that if your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit reporting agencies ( XXXX, XXXX, or XXXX ) this action may constitute fraud under both Federal and State Laws. 
If your offices can provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will not hesitate in bringing legal action against you and your client. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to these accounts must be deleted and completely removed from my credit file, if applicable, and a copy of such deletion request shall be sent to me immediately.
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 proces : 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 Money
Product: Credit reporting, credit repair services, or other personal consumer reports

Dates:XXXX  XXXX, XXXX XX/XX/2021, XXXX XX/XX/2021 Several inquiries were reported and placed on credit report without knowledge to the consumer that credit checks were being acquired. None of these inquiries resulted in established open accounts. Requests to have these inquires removed have been ignored by the companies and credit bureaus.