23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 section 602 a, it is emphasized that consumer reporting agencies such as Equifax and XXXX must exercise their responsibilities with fairness, impartiality, and respect for consumer privacy rights. As a consumer, I am protected under 15 USC 6801, which states that financial institutions have an ongoing obligation to respect customer privacy and safeguard their nonpublic personal information. Moreover, 15 USC 1681 section 604 a section 2 states that consumer reporting agencies can only provide a consumer report with the explicit written consent of the consumer. I have not given my consent for the furnishing of this information to credit agencies such as Equifax and XXXX. Furthermore, 15 USC 6802 ( b ) ( c ) specifies that a financial institution can not disclose nonpublic personal information to a nonaffiliated third party without informing the consumer about their right to request nondisclosure. The entity providing information to credit agencies did not inform me of this right. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in a consumer report without proper authorization. This information is being reported against the law. According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is unlawful to furnish inaccurate consumer information to a consumer reporting agency. Equifax and XXXX are failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which is designed to prevent violations and restrict the furnishing of consumer reports to specific purposes. Lastly, as per 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Product: Debt collection

I was laid off during XX/XX/XXXX and during the COVID-19 outbreak I fell behind payments and XXXX  which is XXXX charged off my secured credit card without giving me a chance or assisting me without any payment plan. 

One I began working on a contract, I contacted the debt collector hired by XXXX XXXX Radius Global ) on XX/XX/XXXX and setup a bi-weekly payment plan of $ XXXXPayments started on XX/XX/XXXX and bi-weekly payments continued until XX/XX/XXXX. 

On XX/XX/XXXX, I called Radius Global who was the debt collector for XXXX and ask for an settlement, they agreed on $ XXXXand I aid with my debit card which immediately was withdrawn from my account. 

Radius Global explained within 48 hours of the payment that they would notify XXXX of the payment that the account was settled. I then disputed my account with XXXX  and uploaded the settlement letter and the payments. On XX/XX/XXXX XXXX updated my XXXX  account stating that I the balance is now {$1500.00} and no payments were made on my account. 

XXXX is falsely reporting to the credit bureaus instead of reporting the account was settled and most of all that bi-weekly payments were being made on the account.
Product: Mortgage

I am employed as a XXXX XXXX for a XXXX XXXX XXXX  XXXX  XXXX/XXXX XXXX in California. From XX/XX/XXXX to XX/XX/XXXX, I handled 4 mortgage closings for this company, which was subcontracted by XXXX XXXX XXXX. I have yet to be paid for these closings. I have requested payment from XXXX XXXX and XXXX XXXX XXXX, which has not responded. The total owed to me is {$250.00}.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am making this complaint because I opened a bluebird prepaid account with the intent of having Unemployment funds direct deposited into the account. I waited 2 months for the unemployment funds to go through. When they finally did. The unemployment agency from the state of Arizona deposited funds into the account in the amount of {$12000.00}. I was notified by the bluebird agency through email that the deposit had taken place. When I went to check my card, the balance said XXXX. I then called the bluebird agency. Who then informed me that my account had been locked, but would not tell me why or what I had done. They would only say that I violated some agreement, but wouldn't tell me what it was. They then told me that the only way that I could resolve the issue or get an answer was to write a letter to the corporate office in Georgia. I have done this twice, and I have received no response, except for an additional E mail stating that I had needed to write a letter to their office, which I have done. It has been a month and I ever recieved no statement from the company and they have not released my funds This company is holding funds that I desperately need, and that were awarded to me from the state of Arizona 's unemployment office. Any assistance you could provide me in this matter would be greatly appreciated. I would like my funds released to me as I desperately need them. You can Reach me via phone ( XXXX ) XXXX or via email XXXX Thank you I hope to hear from you soon. I have also Uploaded a copy of the letter that I sent to the company
Product: Credit reporting or other personal consumer reports

I paid off a loan from XXXX XXXX on XX/XX/year> I have receipts and now Trans Union and XXXX XXXX still say my loan is still active and I havent paid it. Ive been denied additional financial assistance because a creditor report shows that its delinquent in trans union and XXXX  and XXXX XXXX and XXXX XXXX. Ive disputed this on email and ohone and now and keep getting noticed that I still have an account balance. it says that my information is inaccurate. I have receipts showing that I paid off {$23000.00} to XXXX XXXX and its still showing up after my disputes. The account is now showing delinquent and its now lowered my score. Its been 2 months.
Product: Debt collection

I was contacted by XXXX XXXX with the Department of Investigations and she told me that a debt I thought I had paid off in 2013 had n't been paid off and that if I did n't pay {$440.00} today, she would have me arrested today and prosecuted for theft by deception. Scared, I called a lawyer friend and she told me to bring all information to her. On the way, they called and left a voicemail and I called back. I recorded the conversation, this time with a XXXX XXXX, so I did n't forget anything. I played these for my lawyer friend and she said that she thought it was a debt collector pretending to be law enforcement and that they could n't do that. She called and asked to speak XXXX XXXX, and to her supervisor when she was told that XXXX was out in the field. She was transferred to a woman named XXXX and then to XXXX XXXX. She told XXXX XXXX that the threats violated the Unfair Debt Collections Practices Act and then XXXX started yelling that she was n't a real lawyer and hung up. She called back and spoke with XXXX XXXX, who told her that she would have to fax a letter of representation to ( XXXX ) XXXX, but when she started asking XXXX  the name of the company, their address and the state in which they were incorporated, XXXX hung up on her. Unfortunately, when they first called me, I was so scared that I gave them the names and numbers of 2 references and the name and number of my employer. Now I 'm afraid they will contact them. Please follow up as I understand these practices violate the law and may even be a crime. XXXX  did say before she hung up that the company 's name was XXXX XXXX XXXX and that they were a corporation located in XXXX, Ohio.
Product: Debt collection

I noticed this collection on my credit report through XXXX XXXX today, XX/XX/2020. I never received notice from this company regarding this debt. I disputed the validity of the debt By contacting the number in the credit report. I advised to verify or validate this debt in writing. The call ended. I have disputed the debt with XXXX the dispute is on file with XXXX XXXX as reporting inaccurate or non valid information on my credit report. I should receive an update from XXXX in 30days.
Product: Debt collection

In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have 2 accounts ( kohls & Capital One ) on my credit report I have tried getting them removed. Due to being fraudulent accounts. These fraudulent accounts do not belong to me, I have no knowledge of these accounts and I didn't receive anything dealing with neither of these accounts. I have file several FTC 's reports to get them removed and nothing. I have called customer service for experian and both of these accounts and nothing they can do to help me or get them removed. No one can give me an answer on how to get them out of my credit report. This is really have been fraustuating. I been trying to get them removed since XXXX, 2020. I ask for you support and help. I want these fraudulent accounts to be removed from my credit profile. I will file police report if I have too. 

Kohls {$640.00} Acc # XXXX Capital One {$830.00} Acc # XXXX
Product: Debt collection

I am filing a complaint against Jefferson Capital Systems LLC for failing to validate a debt they claim I owe and for continuing to report this unverified debt to credit bureaus. 

Their reference numbers are redacted as below : XXXX XXXX On XX/XX/23, I formally disputed the alleged debt and requested permissible evidence to validate it, such as original contracts with my signature, fingerprints, or other permissible proof that the debt is owed to them. Copies of statements or bills from an alleged third party are not sufficient evidence. Jefferson Capital Systems LLC failed to provide any original documents or permissible evidence validating I owe this debt. Yet they continue to damage my credit standing by keeping these accounts on my record and reporting them to credit bureaus. This is a violation of multiple fair debt practices laws.

Despite giving them ample time after my dispute, they have taken no action to validate the debts through legal means or to retract the unverified credit reporting. This false reporting has hurt my credit reputation and caused me humiliation.

I demand Jefferson Capital Systems LLC to permanently delete these alleged debts from their records, retract any credit bureau reporting, and cease any further communications regarding these unvalidated accounts.

Please assist me in ensuring they comply within 15 days of receiving this complaint, or further legal action will be necessary. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows : Personal Information Current Address XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Current Address XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XX/XX/XXXX Current Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Previous Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection/Charged Off XXXX XXXX  XXXX XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXXXXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$1400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$140.00} XXXX XXXX ( XXXX XXXX : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$7900.00} XXXX XXXX XXXX XX/XX/XXXX {$6200.00} Late Payment XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is a collection agency that reported that I owe them {$320.00} I sent a letter requesting a copy of the original purchase agreement showing proof that they purchased the alleged debt showing my correct information. They failed to provide any information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to buy a house so I recently checked my credit report and I saw a couple of accounts that were fraudulent and not opened by me. This is hindering me from buying my first home. Below I have listed below the account information and amounts of each fraudulent account as well as the inquiries. 

Account # -XXXX XXXX XXXX XXXX XXXX Date Open- XX/XX/ Amount- {$44.00} Account # XXXX Date Open-XX/XX/2018 Amount- {$5000.00} Inquiry- XXXX XXXX, XXXX, XXXX, XXXX, and XXXX
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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : o XXXX XXXX XXXX XXXX  XXXX Balance {$360.00} o XXXX XXXX Balance {$0.00} o XXXX XXXXXXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

The financial obligations to this XXXX XXXXXXXX, account XXXX was affected as a result of an declared disaster. 
As to date the account have been paid on time and all payments should be marked as Paid As Agreed especially since the declared disaster was not as a result of my own doing. The dates are of XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. Many people accounts was affected as a result of XXXX and I do not feel that it is at all fair that I would have to wait until XXXX of XXXX to have these late payment removed from my credit report.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX. 

XXXX XXXX : XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXXs : XXXX, XXXX Bank : XXXX, XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Lending : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MILESTONE : XXXX, XXXX XXXX SERV : 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 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: 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 effectively measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations. 
XXXX XXXX  Is my XXXX XXXX
Product: Debt collection

On XX/XX/2018. IC Systems was added as a collections account my credit report. I have not received any written notice informing me of such debt or allotting my 30 day time to dispute the accuracy and validity of said debt.
Product: Money transfer, virtual currency, or money service

My cash app account has been frozen since last night. I am unable to use my card, withdraw money, cash out, transfer, send or receive funds. My entire paycheck is on this account and theyre giving me XXXX access to my funds. They said a fraud team is investigating my account and could take 72 hours or longer but they would email me once the investigation ends. They have not contacted me in any way to ask me about any of my charges or anything. Theyre also telling me I have no consumer rights with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I identified discrepancies with this account and validation was requested as I informed the company that this debit was not valid and paid off by my car insurance, I even provided paperwork. I reviewed my credit report again and the account continues to reflect on my credit report. I have not received any correspondence from the creditor to validate this account. Please strike and remove this account from all three credit bureaus until adequate validation has been received. 

Dispute XX/XX/2022, amount {$650.00}
Product: Mortgage

My mortgage payment is {$1500.00}, which {$510.00} is for the principal account, for the {$830.00} interest, and {$210.00} escrow ( taxes and insurance ) on my XXXX payment I noticed that my new payment was {$2000.00} I called my mortgage company to get an explanation of charge which they told my that I had a deficit in my escrow balance - {$3700.00} and my new payment divided as follow {$510.00} for principal, {$830.00} for interest, and {$700.00} for escrow. Fifth third one told me I can change insurance company until I pay the deficit in the account. 

I purchased my home with a FHA in XXXX payments were around {$1700.00} until I refinanced in XXXX and due to home equity my home loan became a conventional loan and my payments were {$1500.00}, which {$150.00} were for the escrow ( taxes and insurance ) XXXX XXXX is the insurance company used by fifth third for my escrow home owners insurance. The XXXX document says my policy premiums were {$2200.00}. For XXXX my policy premiums is {$3500.00}. My XXXX policy payments were around {$1400.00}. When looking and those number the escrow account increased due to the insurance since XXXX until XXXX a future prediction for XXXX a total of {$6500.00}. 

After XXXX Even though the housing market is protected to avoid similar issues in the economy this simple prediction I just shared about the increase in my mortgage payment is telling us where most home owners will be affected in this economy. This is not a {$10.00} to {$20.00} increase {$240.00} per year this a {$500.00} per month a {$6000.00} a year increase in unexpected mortgage payments.
Product: Credit reporting or other personal consumer reports

I have reported several accounts that Ive had no knowledge of and the accounts keep coming back as accurate. I have requested information used to determine these accounts are accurate and have no heard anything!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th try to inform you that I am a victim of identity theft and I complain to question particular records in my document coming about because of some negligence. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or permissioned. Assuming no one cares either way, block the noteworthy of any information in my credit file that appeared due to alleged fraud. 
XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3400.00} XXXX DEPT ED XXXX Balance XXXX {$4800.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$8400.00}
Product: Mortgage

Please read attachment. Wells Fargo defraued my fiance and I out of $ XXXX, intentionally delayed our process, misled and misrepresented information about my loan, made gross accounting mistakes about the qualifications of the loan, gave us financial advise ( which we followed ) and later denied us for the very advise they gave us. They fire our Loan Officer who filed a complaint on our behalf against his own Company saying he's never seen a loan file handled so badly by a mortgage company as what happened to us. We were temporarily homeless/living out of XXXX because of the actions by Wells Fargo and they won't have the decency to compensate us for our financial losses. Even though they admitted fault. 

Please see attached letter from my attorney highlighting all the mistakes Wells Fargo made.
Product: Mortgage

Husband received XXXX and had to move. Contacted XXXX ( originator of loan ) and was told that mortgage qualified for XXXX short sale and I needed to work with PHH who now owned my loan. PHH loan specialist mislead ( in writing ) that our first and second mortgage was covered in closing documents and that this was a XXXX short sale. The closing documents also misrepresented this fact. A few months after closing, XXXX creditors came at me stating loan was not included for which I continued to pay on for over 2 years. PHH put in writing that this was indeed 'all included ' only to retract after the fact. Now after almost 5 years, we applied for a mortgage loan and was told that it was not a HAFA but a regular short sale and that we do not meet the criteria. All communication to date has stated otherwise. This has been extremely XXXX and frustrating. And to top this off - the Title Company now wants the money from the 2nd mortgage payoff.
Product: Debt collection

XXXX agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from XXXX stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.