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

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX Balance : XXXX ; XXXX XXXX XXXX XXXX Balance : {$690.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$89.00} ; XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX Balance : {$940.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2100.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Incorrect personal information on credit file. 
Incorrect personal information associated with debt belonging to XXXX XXXX XXXX, XXXX. 

I have contacted XXXX from XXXX XXXX XXXX to advise that the personal information such as the social security numbers listed on my credit file do not match, do not belong to me, are incorrect and belong to my minor children. Also, the social security numbers on file are linked to debtor accounts that do not belong to me and should be therefore deleted. 

Below are the social security numbers : SOCIAL SECURITY NUMBER XXXX Incorrect Personal Information XXXX Incorrect Personal Information I have provided the correct social security number in the form of proof of identity via a social security card. 

In XXXX of XXXX, I contacted XXXX XXXX XXXX requesting validation of the debt via the social security number on file. However, they have refused to provide the information related to validation and verification of the debt.

Debt validation includes the following : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed?
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance {$XXXX} XXXX  XXXX XXXX Balance {$XXXX}
Product: Credit reporting or other personal consumer reports

There is a couple names being reported that is not mine. 
The names that are not mine are the following : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
My legal and birth name is XXXX XXXX XXXX. 
I've been trying to get these inaccurate names deleted by contacting the reporting agencies, but they failed to do so.
Product: Credit reporting or other personal consumer reports

These are some of the TransUnion, XXXX, XXXX. companies to eliminate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I notified XXXX and Equifax that the creditor XXXX A/R Solutions listed as a collection account on my report is not mine. The collection was shown as being for an XXXX XXXX account for XX/XX/2021. I have never had an ambulance account. The only ambulance I have been in, last XXXX, was covered by XXXX. I am a military dependent. 
XXXX account number XXXX is reported as being accurate. Do I need to take this to legal action? Equifax has not responded. XXXX has. When I called them yesterday, they said my option is to contact you. I am very angry!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time my identity has been compromised. I don't understand why this continues to happen to me. Please remove these fraudulent unknown accounts from my report as soon as possible. XXXX XXXX XXXX {$4200.00} XXXX XXXX XXXX XXXX {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX  XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( XXXX ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe XXXX has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and LVNV FUNDING LLC, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. XXXX, XXXXXXXX XXXX, and LVNV FUNDING LLC, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax on XX/XX/XXXX and XX/XX/XXXX on two accounts that have been paid, Equifax have been refusing to correct the information. I asked Equifax if they could change the payment status to paid rather than for it to say late. I provided them with all the information to prove that these accounts were paid and no longer late, they still refused.
Product: Mortgage

We met with our loan officer and established a closing date 60 days out and were told that was a reasonable amount of time to have our loan processed. We repeatedly inquired as to the status on our loan and were told that everything was ton track. Our loan officer informed us that all was set with the loan 2 weeks before closing. We then terminated our lease with our apartment complex to be ready for moving out. One week later ( one week before closing ) we were told that the loan would take another month. The loan officer then was not available to be contacted for another 4 days. My family was displaced, had to put our personal belongings in storage, and had to continue to wait. The loan officer had 60 days to complete the loan but had not even cleared it from underwriting by the end of the 60 days. A week after the closing date we were informed the loan had finally cleared underwriting and was submitted. We waited another week, inquired once more as to the status, and found out the loan had actually still not been submitted. It then took another week to submit. We submitted a complaint and the loan officer said they would lower our interest rate. We then received a good faith estimate in the mail. The interest rate was lowered, but the closing costs were then increased ( which we were not informed would happen ). We complained once more and spoke to the loan officer 's manager who informed us that they would credit some of the closing cost increase, that nothing else could be done, all actions by the loan officer were in compliance of their standards, and that we would not be reimbursed for any of our related expenses. We complained once more to a third party and were again told that nothing else could be done. We incurred storage costs, rent costs, transportation costs, and XXXX during this whole experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Customer service and spoke with a represitative and a supervisor at Transunion and they would not help take care of the negative inquiries reported on my credit report they were very dismissive and rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NV XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX : {$2500.00} XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX This account has never had any late payments made by me. I have always had this account on autopay to take atleast the minium payment. I have not been in any sort of financial troubles. The current company is not the company that reported that missed payment. My account was sold to this company. I asked the furnishing company, XXXX, XXXX and XXXX to provide me valid proof of a 30 day late payment. All these companies simply responeded by saying the account is valid and reporting accurately. I submitted a compalint back in XXXX of XXXX  and the furnishing company just responded by saying the account is reporting accurate. I have also disputed with all 3 credit bureaus. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$110.00} XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting an account that not my account. I have made several attempts to get this account removed, but there are coming back Certified with no information as to why this is not my account. You will see the supporting documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax asking for validation of debts on my credit report. They received my request XX/XX/XXXX and I gave them enough time to do an investigation, but they never responded back.

I sent a second letter on XX/XX/XXXX asking for details, such as how they are verifying the debt, who is in charge of my account and what documents they may have used to verify any of the debts listed on my credit report. I also asked if they could not validate the debt, then they are required under law to promptly delete the information. They received this request on XX/XX/XXXX, but did not respond within or after the 30 days of the return receipt.

I sent a third letter on XX/XX/XXXX asking for the removal of all the derogatory items on my credit report as they did not follow validation of debt procedure and failed to respond twice. I did not ask for validation, but rather the deletion of all derogatory information that was disputed.They received my letter on XX/XX/XXXX and I still have not heard from them.
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 practice, which violates the consumer financial protection act ( CFPS ). Specifically Cash App failed to take timely and effective measures to prevent an 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 air resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I am seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX  # XXXX XX/XX/XXXX -- {$10000.00} XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I have disputed with XXXX several tems from my credit report and they are still showing. These tems need to be removed. These accounts are Affirm, XXXX XXXX XXXX, XXXX XXXX Credit Card.
Product: Student loan

I informed my private student loan company Navient that I have had health issues that caused me to lose employment. My health issues started in XXXX  and I am still pending another XXXX. Last year I had XXXX XXXX. With that stated I told Navient that I could not afford to pay my loans as we are only on one income which is my husbands. After rent, utilities, car payment, car insurance, cell phone, bills and including the student loans payment we are left with nothing for groceries. They asked me how much I can afford to pay and I have stated XXXX XXXX dollars and yet they still did not take that into consideration. Each time I am on a new payment plan they hike up the payment significantly. Why are they so misleading in acting like they will work with me when really they won't. So now we moved to Indiana and due to the move it set us back financially. Now I need to go in to a deferment to give me us time to recover financially from our move.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, TRANSUNION Reported Accounts : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXXXXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the basis of unverifiable second hand data otherwise known as XXXX. The above bureaus have collected data from the above sources. They compile this second-hand information into credit reports without directly verifying themselves independently each piece of information which is essential considering credit is a very big factor to accessing essential needs such as money and housing. While they believe they are collecting data from reliable sources it is not first hand knowledge which ignores the voice of the one being reported on. I am a housing choice voucher holder. I have put my 60 days notice into the current unit I am in to move to a safer and bigger unit. I have an excellent rental history and in addition to being a voucher holder I also make sufficient income working with a government contractor. I have been applying to several units, spending countless applications fees only to SOLELY be denied due to headsey on my credit report. I have only 30 days left in the current unit I am. I tried to rescind my notice to vacate only to find out that they have already reserved the units that I am in. So I have to be out by XXXX. The credit is the only stumbling block and if I do not secure a place to live in time I will be homeless and out of a job because I work at home. The places I have applied to and been denied housing is solely using my credit against me even though rental history is not reported to the XXXX major bureaus and not considering other qualifying factors like good rental history, sufficient income and holding a voucher which is a guaranteed portion of the rent.One of the complexes is XXXX stations managed by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was recently checking my credit report and saw inquiries I did not initiate. I was informed sometime ago about an XXXX data breach, but did not think anything would happen to me as a result. I now have inquiries reporting to my account that don't belong to me. The inquiries are from XXXX - XXXX XXXX XXXX XXXX  XX/XX/XXXX ; and for Transunion- XXXX XXXX XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; and XXXX - XXXX XXXX XX/XX/XXXX. I have contacted creditors and have also file an FTC report # XXXX.
Product: Mortgage

My mortgage is through Penny Mac Loan Services. 
I made my XXXX payment. They tried to withdraw the payment twice from my checking account. I had to issue a stop payment for the second payment. They messed something up in their system and have not been able to post the first payment that cleared my account. My account shows delinquent when it's not delinquent. I am being charged interest and a late fee for my XXXX payment that is incorrect. 
The rep who I spoke to told me that they changed systems and this is what caused the error on their end. They acknowledged that they received my XXXX payment, but told me that it would take about 20 days to resolve. This is completely unacceptable. They've had my payment and there is no reason it should take 20 days to post correctly. 
This issue has been going on since XX/XX/19. 
This was their mistake, not mine.
Product: Money transfers

I am a victim of a online scam. I used money gram to send the money and after finding out that it was a scam I contacted money gram to see about recovering the money, they wo n't give me info. And are n't trying to help recover the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Had numerous problems filing credit dispute with Equifax. Claim they were concerned with fraud which is so humorous in that they allowed so many accounts to be hacked. Finally spoke to supervisor XXXX on XX/XX/2019. She took my dispute over the phone and gave me claim number and said she would acknowledge opening up discpute by email. No email sent. Tried their dispute automated hot line which  after having to listen to all their ad hung up on me. Did if four times and got a hand up each time. Finally spoke to a rep and supervisor and both refused to send me a note, email, letter of fax acknowledging they opened up a case and the date it was opened. Very reasonable request on my part and they are robots who only read of a list of what they will do even when it has nothing to do with the request