23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Halsted Financial Services , LLC XXXX XXXX XXXX XXXX, IL XXXX Dear Sir/Madam, I am writing to dispute the collection account listed on my consumer report, which was reported by your agency. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Consumer Financial Protection Bureau ( CFPB ) regulations, I have the right to request validation of this debt and to dispute its accuracy. Failure to Provide Validation Information : Under CFR 1006.34 ( b ) ( 5 ), it is required that collection agencies provide validation information upon request. To date, I have not received any validation information from your agency regarding the debt in question. Therefore, I am disputing the validity of this debt until proper validation is provided. Denial of Opportunity to Dispute Account : According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers have the right to dispute inaccurate information on their consumer reports. However, I have not been given a chance to dispute the account before it was reported to the consumer reporting agencies. Violation of Consumer Rights : I believe your agency has violated my consumer rights by engaging in false, misleading, and deceptive practices in attempting to collect this debt. Such practices are prohibited under various consumer protection laws. Lack of Authority to Furnish Account Information : It is my understanding that your agency has no authority to furnish any account to consumer reporting agencies without providing all required disclosures by law, as outlined in 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). As such, the reporting of this account without proper disclosure is in clear violation of these regulations. I hereby request that you cease all collection activities related to this account until the validation information is provided and I am given the opportunity to dispute the accuracy of the debt. I am also requesting to revoke all communication via Email, Phone calls, or Text. I am also requesting the purchase agreement between the collection agencies and the original creditor. I am also requesting that you furnish proof that collection agencies are licensed and bonded. Failure to comply with these requests may result in further action being taken to address these violations of consumer protection laws. Please provide the requested validation information and respond to this dispute within XXXX  days. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have initiated a multiple disputes with EQUIFAX over the past few months to remove unauthorized fraudulent accounts that they have failed to fully validated belongs to me. It has been well over the 30 days given for the EQUIFAX to respond with validated proof to REMOVE / DELETE these accounts per the Fair Credit Reporting Act which are hurting my ability to gain employment, qualify for apt/home and credit. I have provided all requested documents to EQUIFAX including my filed Identify Theft Police Report and proper identification to get this issue resolved in which they requested. I have also reached out to the creditor " XXXX XXXX XXXX '', " XXXX XXXX '' " XXXX XXXX   XXXX '' but they have also fail to fully validate ( wet-ink ) signed contractually the account belongs to me. Below is the reporting unauthorized/unknown account that should be REMOVED / DELETED from my EQUIFAX credit report. Attached is a copy of my police report for your records. Should you need any additional information please let me know.

Reporting Accounts : 1 ) XXXX  XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 2 ) XXXX XXXX - Account # : XXXX Opened : XX/XX/XXXX 3 ) XXXX XXXX XXXX Account # : XXXX Opened : XX/XX/XXXX Thank you for your assistance in resolving this matter. 

Regards,
Product: Credit reporting

Through my XXXX XXXX Credit card, I have access to credit tracking using TransUnion credit information. Recently, TransUnion moved from TransUnion New Account Model where my credit score was around XXXX ( XXXX ) to XXXX XXXX where my score dropped to XXXX ( XXXX ). The new model shows excellent for on time payments ( a strong impact on your credit score ), excellent on oldest credit line, average on credit used, average on New Accounts, XXXX on Available Credit, and XXXX XXXX on recent inquiries which has a low impact on a credit score. I can not figure out how I can have a below average score with average to excellent scores on XXXX factors and XXXX below average on a factor that has low impact on a credit score. 
I contacted TransUnion for clarification and was told 'the computer calculates the score ' so there is nothing that can be done. i tried to explain the computer can only do this, if there is a human creating the parameters for the computer to make the calculations. The computer can not make decisions on its own but must be told how to make the calculations. I asked for a manager to call me back so I could discuss this. After a week of waiting for a call, no one has called me back. This type of error costs the consumers a lot of money from increased interest and or points on loans. In addition this XXXX XXXX product is pushing the consumer to pay for a credit monitoring service. If the credit scores were calculated appropriately many people would not need credit monitoring services. 
I need someone to look into this credit score calculation. Without regulation, these services have become very lucrative businesses
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and update from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXXXXXX XXXX
Product: Mortgage

Bank america wrongly foreclosure my home XXXX XXXX, denied my making home affordable loan program, lost mitigation Va loan, knowing my home was going to sale and I needed urgent immediate help to stop sale. Bank of america used communication tactic, harassment, lied and denied about application and the paper work, also claimed loan specialist whom I was communicating with does n't exist, then called me and told me my home was to be sold XXXX XXXX XXXX yelled at me saying that i need to get my own lawyer and sold my home XXXX XXXX XXXX .Destroyed another XXXX XXXX and XXXX over 8 years .I am retired soldier fought for my country over 20 years and still working XXXX spending my own time and money XXXX XXXX i need help now.Bank of America DESTROYED my credit took my 20 years home memories and dreams now I am homeless Veteran.
Product: Mortgage

I contacted Midland Mortgage in XXXX, during the XXXX XXXX, to inform them I was unable to work due to economic shutdown. I was approved for a program that put a hold on monthly mortgage payments. 

However, that program expired after a certain time period and I was informed all of the back payments were due to be paid. 

Unable to pay arrears to bring the loan current, I applied for a loan modification program to re-finance the mortgage. Unfortunately, I became XXXX  and no family member could afford to make the initial instalment required to process the modification. 

Unable to process the 1st loan modification, I later re-applied for a 2nd but Midland Mortgage refused to process the modification until XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were received with the paperwork. 

In order to " get ahead '' of the required modification instalment, I applied for a 3rd loan modification and was recently denied due to the property being vacant.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted multiple disputes to XXXX to advise the accounts listed are not mine. I have even provided a police report. The report has been damaged as I was in the direct path of Hurricane Michael but I sent what I had and they refuse to remove these accounts.
Product: Mortgage

A mortgage commitment letter was issued by better.com on XX/XX/2021. Better.com then rescinded that commitment and I was forced to find another lender. This delayed closing on the subject property by one month causing me {$2500.00} in damages. 

Better.com had no reasonable basis for rescinding a legally binding agreement issued by them. They claim they made a mistake. Fair enough ... however, when your mistake causes someone else harm, you should reimburse them for that harm caused.

Better.com has refused to provide reimbursement for the damage they caused.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I submitted disputes to the credit bureaus about fraudulent accounts. Till date I still havent received any responses or updates to my credit report. This agency is in violation of 15 USC 15 USC 1681i, in your repose to my dispute you claimed that the account XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX You have validated inaccurate information and this account is hereby disputed. 
The information on this account being furnished on my consumer report is inaccurate. 15 USC 1681i ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX. XXXX XXXX - Account Number : XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy. 15 USC 1681 section 6 O 4 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

GRAIN TECHNOOLOGY - XX/XX/2022, XX/XX/2022, {$80.00}
Product: Credit reporting or other personal consumer reports

The following accounts I wanted to be disputed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a true identity theft/ Fraud Transunion has once again refused to remove these account and they are violating the XXXX  credit report act law and leaving them on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report was requested by someone other than me but claiming to be me. I called the credit agencies and verbally requested the ip address and any other identifying information regarding who fraudulently pulled my credit report. I have a suspicion it was my ex spouse. When I went to pull my credit report, there was a record of another pull and that was not me.
Product: Student loan

I have repeatedly provided a plethora of evidence to the CFPB and nelnet proving it impossible that I attended the school they claim I did in 2012. Both the CFPB and NELNET are refusing to help. This is criminal and needs to stop now. I will not stop filing complaints until the issue is addressed.
Product: Credit reporting

Experian ( Report No. XXXX ) re-inserted/reported a charge off XXXX Credit Card Account ( No. XXXX .... ) after previously agreeing to correction. It has been repeatedly mis-reported with false information. The previous correction only came after multiple disputes via their online system, paper letters, the XXXX and CFPB. Debt is illegally re-aged as evidenced by IRS 1099 also previously showed a balance due for the wrong time period ( s ). I learned of this only because my credit card company sent me a letter stating that I had a delinquency and as a result they were cutting off my credit. I have been damaged by the reckless mis-handling of this XXXX entry that is not only improper but violates Experian 's own internal policies. I attempted to file an online complaint on this change but their online system blocked it as having already been addressed despite allowing the creditor information to be added. I did navigate to their upload option but it was unclear whether the dispute was active or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-XX/XX/2019 I requested a loan to purchase land on XX/XX/19. I knew i had good credit, good income, and over 40 percent of the downpayment ( more than necessary ).  However, on XX/XX/2019 i get a decline notice. I was told to please wait 24 hours to view my decline letter. On XX/XX/2019 I get my decline letter and it states four reasons, I immediately knew that some of the listed items were incorrect, such as not having enough income, But i went ahead and ordered my XXXX credit report, the same agency they used to obtain my information. After obtaining my credit report, i see that my credit scire has only improved, that there arent any collections like they say i have, and that my seven credit cards are almost ar zero balance with only my care payment if XXXX a month. My oldest credit goes back 18 years, and most accounts average 8 years which. Additionally, my only other bill is rent of XXXX a month. I am a XXXX XXXX who makes XXXX or more a years. So I emailed them back saying their reasons make no sense ( all four if them ), but they emailed me twice saying just open your decline letter I feel that if they want to decline then do so on other basis, but their basis for declining me are incorrect. Also I dont want my scored lowered from them if they dont want to get this letter to be accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sold an account that I had with them to Caine and Weiner, which is a collection agency. After I purchased the auto insurance policy, I kept receiving letters raising the premium, so I cancelled the policy. From what Ive found online, XXXX XXXX should not be reported to the credit bureaus. Auto insurance is a financial product that is purchased to secure against legal liability in case of an accident. When you enter into an auto insurance contract, youre agreeing to pay the premium in exchange for coverage. Since auto insurance payments arent reported to the credit bureaus, credit history is not affected. 

My report shows that Caine and Weiner placed this item to the credit bureaus in XX/XX/2019. Balance {$240.00}. 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 & 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 violations.
Product: Credit card

I bought XXXX XXXXXXXX XXXX with extra attachments on Sunday XXXX XXXX, XXXX. 
I never opened the box and after they arrived I saw videos and reviews that said that people with thin hair have had their hair damaged after a year of use because of it, so I returned it and the tracking number for XXXX is XXXX XXXX XXXX. It was delivered on XXXX XXXX, XXXX. I paid {$630.00}. When they recieved my return, I was only sent back {$65.00}. I called them and they said they will have to look at everything again, but that I would have to call them back in 10 days. I called my bank ( Wells Fargo ) and I sent them everything. They gave me the credit for it which is {$560.00} on XX/XX/XXXX. Then they charged back the credit of {$560.00} on XX/XX/XXXX. They said they never recieved anything from me.
Product: Money transfer, virtual currency, or money service

This is not a duplicate complaint, but I filed a complaint here, requesting to be contacted by PayPal Support. I have attempted multiple times to use their 'Message Us ' option provided on the website, but it does not allow me to ask a specific question, and so there is no way to leave a message there. I could not find an Email address to attempt contact that way. If I call the number provided, no human beings answer, and it is just an automated recording telling me there is nobody to help me, and then hanging up. 
From what I have gathered fro others, leaving a message on either XXXX, or XXXX, never gets a response. So, I am at a loss of how to contact PayPal Support, if there is any way to reach a live PayPal agent anymore.
Product: Checking or savings account

Hello. On last XXXX, I disputed XXXX  life insurance charges that were fraudulent and all were resolved except for XXXX of them for XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX ). All the details were heavily noted in my account, as I spoke to XXXX  reps. 
The XXXX  XXXX must have read and comprehended XXXX  the notes and approved charges in a timely manner. I was told by XXXX of your reps that the XXXX  XXXX on XXXX  case just accepted the paperwork sent from the insurance companies WITHOUT weighing the whole premise of the case : i never signed XXXX  document with a wet signature. Of course the companies would provide " evidence '' of a document signed but it was NOT MY SIGNATURE. 
I spoke to a rep shortly after understanding the denial and was told to submit my signature and ask for the XXXX to take a XXXX  look. I was not given a time limit. ( You can listen to the call for this proof. ) When time permitted on XX/XX/23 and XX/XX/23, I provided a wet signature plus all the notices Navy Federal sent me, the XXXX application so you could see the signature did not match, and explanation to your XXXX center in the app just as I was instructed. To my surprise, I was told they would not do XXXX  and for me to contact the merchants. Of course, I contacted the merchants and they are XXXX  and passing the XXXX. This is why I got Navy Federal involved. 
I am writing you to assist with getting all my funds back since the reps are not on the same page and no one even took the time to contact a XXXX or even the dispute department. Sometimes cases are not XXXX and XXXX  and require a little more effort and critical thinking. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. 

These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. 

XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX/XXXX   XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX  | XX/XX/XXXX XXXX   XXXX  XXXX | XX/XX/XXXX XXXX XXXX  XXXX  | XX/XX/XXXX
Product: Student loan

XXXX was being sued about predatory practices on my student loan, and they snuck it away to Aidvantage to avoid it being discharged DESPITE THE FACT MY LOAN WAS TO BE DISCHARGED DUE TO THE SETTLEMENT. I need this loan officially discharged and my credit report fixed because I just lost 100 points and am starting to get calls for Aidvantage likely demanding payment. 

I was scammed out of my money and am not paying for ANYTHING pertaining to this student loan, XXXX is guilty and by extention of this my loans are null and void, and any attempt to transfer this loan to another servicer needs to be viewed as contempt of court.
Product: Money transfer, virtual currency, or money service

I have XXXX stored on BlockFi digital wallet. Per XXXX  they can not use those funds or lend it out yet I am now unable to access my wallet or transfer out of it.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX concerning their inaccurate reporting practices to the Consumer Reporting Agencies. My complaint pertains to the following issues : 1. Inaccurate Reporting to Credit Bureaus : XXXX XXXX XXXX XXXX has reported a collection account on my credit report, but it does not appear on all three major credit bureaus ( Experian, XXXX, and XXXX ). Specifically, the account in question is reported to only TWO of the three bureaus, leading to incomplete and inaccurate information on my credit reports.

2. Impact on Credit Score and Credit History : The lack of reporting to all three bureaus is negatively impacting my credit score and credit history. Accurate and complete reporting is crucial for maintaining a fair and accurate credit profile, and the omission of this information from one of the bureaus is causing undue harm.

The reporting of these account ( s ) is/are violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates.

I have been disputing the following account and it keeps getting validated. XXXX XXXX XXXX XXXX Account XXXX is in due fact reporting INACCURATE and Experian has a DUTY to report only ACCURATE information. 

I have attached my mailing receipts/ Exhibits to this Complaint proving the inaccurate reporting. 


USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX USPS CERTIFIED MAIL : XXXX XXXX XXXX XXXX XXXX XXXX It is ILLEGAL to retain or report misleading or unproven information, especially considering a composed consumer complaint notifying you of said issues so please DELETE the aforementioned illegally expressed allegation ( s ) here and now. Do not confuse my credit file with people of similar name, address, or SSN. Verify all identifying information. ALL claims, undoubted or not, must be confirmed to be currently and fully true, CORRECT, COMPLETE, TIMELY, of my OWNERSHIP, of my RESPONSIBILITY, and or compliant to all applicable reporting laws and mandated standards, which is currently the FCBA, FCRA, FDCPA, METRO 2 COMPLIANCE STANDARDS, and others, letter laws and requisite reporting standards, you or any entity are in infringement of my rights. Should you continue to maintain and/or report any chicanery-based subterfuge even upon my declaration of a composed consumer complaint, therefore, eradicate immediately and in entirety any and all allegations which are not demonstrated in clarity to be veridical, correct, complete, timely, mine, my responsibility, or else wise fully compliant. 




XXXX : XXXX, Beneficiary WithOut Prejudice