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

I sent in my police report and my notarized affidavit to the three credit bureaus and XXXX  I received paper work from XXXX showing they have deleted the fraudulent account Transunion keeps sending me results saying the Company verified this fraudulent account when that is not true the company XXXX XXXX provided me documents and letters stating they did not Verify any thing i even called them and spoke to a rep who looked at my XXXX XXXX file and stated they are not reporting any Bankruptcy on my file and requested all three credit bureaus to remove the inaccurate and fraudulent account. I have Enclosed all documents and corraspondence with this Compliant. I called last month and talked Trans Union Fraud department who asked me to send in my fraud package. After sending to them they did not comply with anything and said they dont have to block the fraudulent account even after going to XXXX XXXX police dept and filing a police report in person. They sent me some generated latter saying if i want to block the fraudulent account to send in my Police report affidavit that i have already provided. I have done everything in my power to fix this fraudulent information that has caused me great damage and embarrassment also with emotional distress, Defamation of character. Enclosed is the 3 updated credit reports showing that XXXX and XXXX are not reporting this fraudulent information Transunion is the only reporting agency who is knowing and willingly reporting the inaccurate and fraudulent information. Please not they are not investing anything and just responding with some auto generated letters.
Product: Student loan

I filed a PSLF 4 months ago and FEDLOAN Servicing keeps refusing to process it intentionally in order to deny me the protections afforded to me by the XXXX XXXX. They ignored the application I consecutively filed 9 times. Attached is a photograph.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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 looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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. 

And according to 15 USC 1681s-2 they are suppose to 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

This is my 10th attempt to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  XXXX Balance : {$1900.00}
Product: Credit reporting or other personal consumer reports

The account listed is not mine and was open without my consent
Product: Debt collection

ICON Equities sued me in the State of Alabama and received a Default Judgement. At the time of the filing and judgement, I was not notified nor was I living in the State of Alabama, I was living in North Carolina, where the statute of limitation on debt is 3 years. I contacted the Firm XXXX XXXX XXXX, XXXX representing ICON Equities on XXXX time XXXX Eastern  spoke with a XXXX XXXX who told me the case was closed due to me being in North Carolina the firm has my correct address. I contacted XXXX XXXX XXXX today on XXXX. The court explained to me that the judgement is still open. ICON Equities has not withdrawn the case.
Product: Debt collection

I had my house foreclosed on XX/XX/XXXX for {$78000.00} and sold for {$38000.00} which left a balance of XXXX. I recently received a letter from a debt collector for {$56000.00} with daily interest of {$7.00} on remaining balance which the letter was delivered XX/XX/XXXX.
Product: Checking or savings account

I deposited a check from a friend for {$21000.00} into my account. They have since closed my account and refuse to release the funds even though my friend and the issuer of the check are going through hoops to verify that the check is legit. They said the only way to verify my friend is through a cell phone that is registered to his name. He tried the one he had and then went and bought a new phone and still they said their computer program they use will not verify those numbers. They say that it could take 6 months for the phone to get verified. Ive had to get a new bank account and change my bills over to the new account. Countless visits and phone calls have just been a waste of time and my friends {$21000.00} is stuck in a closed account with no explanation how to get it released.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Balance : {$7200.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX XXXX  Balance : {$5200.00}
Product: Credit reporting or other personal consumer reports

My husband and I have filed disputes with the credit reporting agencies because someone changed our address fraudulently with the US post service. This fraudulent address shows up on our credit reports at all three agencies. The agencies refuse to remove it, even though it was part of an identity, theft scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

A credit card account was opened XX/XX/2019 and {$830.00} was spent on the card over several months. I never knew about this account until about a week ago which I immediately disputed using my XXXX account. Please my credit report and know that the only negative items on on my credit report was for late payments on my sons student loans that I co signed for. After my son missed the second payment I took over paying that bill and not ever been late making any payments. When I called the credit card company and provided my information none of it matched the account in question. The lady recommended that I contact XXXX and let them know of fraudulent activity. I then contacted XXXX and stated a dispute. The only other information that I have on that account is what I got from my credit report and is as follows : XXXX XXXX. Thank you for your assistance.
Product: Credit card or prepaid card

Please help - I have tried calling to find out the status of my Way2Go debit card at XXXX for over two months and can not get a representative on the phone. I requested a debit card for my unemployment funds in XXXX and have not received it. The directions say to call the company to let them know. When I enter my social and date of birth, the automated message says try again later and hangs up. Please help!! 
Mrs. XXXX
Product: Mortgage

Our loan is with XXXX XXXX Bank. We were on Covid impacted forebearance from XXXX 2021 through XX/XX/2021 for a total of 9 months. 
We were approved for the XXXX payment deferral at the end of our forebearance of 9 months. 
However, XXXX did not calculate the the XXXX XXXX XXXX accurately. On my monthly statements, the amount of the interest bearing XXXX is actually the XXXX XXXX. This means I now, per XXXX of PA, owe them the forebeared amount as well as the Gross XXXX so I am paying my suspended payments twice instead of once at the end of the loan. The amount of XXXX on the first statement after our foreberance ended is actually the forebeared XXXX plus the interest bearing XXXX. Furthermore, because the forebeared XXXX has been added to my interesting bearing XXXX, interest is accruing on the incorrect amount, and the amortization is not the way it should be and my excess to principal monthly from my monthly payments since XXXX XXXX through XXXX XXXX has been calculated incorrectly. 

I have attached my account activity from - - please see the calculations- and you will see the forebeared amount being added to XXXX and then subtracted again. On my statements, you will the XXXX is actually the gross XXXX and the forebeared amount a couple of lines below - reflected that I owe both. My unpaid principal balance when I went on forebearance was {$95000.00} ( attached XXXX 2021 statement ). XXXX ended XX/XX/2021. We were off forebearance and were approved for Covid payment deferral - I made our first payment after forebearance ( {$820.00} on XXXX ) and after principal was deducted from that payment, the XXXX is {$95000.00} - which is actually the Gross UPB of {$95000.00} ( not the XXXX XXXX XXXX ) minus principal from the XXXX payment of {$140.00} ( also attached ) At this point, I am not even sure that the escrow shortage amount I paid in XXXX 2021 ( XXXX ) and my forebeared amount are accurate and/or have been calculated and credited accurately. 
XXXX of PA needs to recalculate all of the amounts ( forebearance XXXX, Gross UPB, escrow shortage, escrow owed, what and how what I paid has been credited or applied ) provide me with the amortization to review amount of forebearance. There are many calculations, debits, and credits that don't make sense. 

I have attached the activity on my account and you can see the where they added a forebearance amount to the Gross UPB then subtracted it and determined that result to be the XXXX. A lot of the calculations don't make sense- so I am also concerned regarding calculations of all amounts. I would like to provided the amortization schedule and have all amounts reviewed with me as they are recalculated. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

I am writing to inform you that I have sent letters to creditors asking for documentations, but have not received any response. I am concerned that the creditors are not responding to my requests, and have not received the requested information till this day. I also provided in the letter where to have the requested mail to. 

The first letter was sent on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX '' delivered XX/XX/XXXX '' XXXX XXXX XXXX I have enclosed copies of the letters I sent to the creditors and all of the relevant documents that I believe are necessary for the CFPB to review my case.
Product: Debt collection

Dear DNF ASSOCIATES I am writing to formally notify you that your attempts to collect on the alleged debt referenced above violate the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX which stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date, there have been no arbitration proceedings. As a direct result, this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I assert that you have no right to collect on this alleged debt. I am writing this as I humbly seek to resolve this discrepancy promptly and amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove them, the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts?

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending dispute letters asking for these egregious accounts from XXXX   XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX to be removed from my report as they have not provide the original credit agreement or original contract I supposedly signed for these supposed debts.
Product: Checking or savings account

Someone calls me from chime and claims to be from fraud dept ... ..already has account info. Knows about disputes in progress and updates. Knows wording that representatives use and when and what emails and texts say. They Phish for info. This happened many times and chime refuses to look into it or inform me of what they are doing. Scam is TOO GOOD to be anything other than employee or ex employee who has had phone training and still has access to the company portal. People working are remote workers. Just seems off and someone took over {$6500.00} from my account by moving money from savings to checking
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/2022 to Experian, XXXX and XXXX. However it's been more than 30 days and the credit bureaus failed to send my investigation back. I don't know what's going on. 

According to the law 15 U.S. Code 1681i -Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Also I am a natural person. living breathing with blood flowing through my veins. I'm writing this myself and not by some company or other entity. I DEMAND ITEMS BE REMOVED IMMEDIATELY AS WELL AS NAMES AND ADDRESSES BE CORRECTED. I AM A VICTIM OF AGGRAVATED IDENTITY THEFT
Product: Debt collection

We have an agreement with the hospital and have been paying the hospital ever since we received this bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account name : XXXX  XXXX, Inquiry Date : XX/XX/2022. 
Account name : XXXX XXXX, XXXX Date : XX/XX/2022 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 an account without my written instructions.
Product: Checking or savings account

I used this betting app called XXXX sports won over XXXX dollars wasnt using the app I work every XXXX days of the week ( mon- fri ) I gave my phone to my niece wanted to be a cool nice uncle let her use my phone since she doing well in school, Im thinking shes on XXXX XXXX XXXX playing XXXX XXXX but whole time she was spending my money on my account I first noticed it my money was gone XX/XX/XXXX instantly reached out to my bank Chime on the XX/XX/XXXX explaining to them in tears that my niece made unauthorized payments on my account I wouldnt do that, I wasnt notified from chime didnt get alerts chime told me to contact merchant and explain what happened I did as told reached out to the merchant explained whats going on told to merchant told me via email Thank you for contacting XXXX XXXX XXXX XXXXXXXX XXXX and I hope this email finds you well and safe! 

To further assist you, please provide us the purchases details made and the age of your niece. Apologies I called back chime told them what was being said they made effort to start my dispute then the next day ended my dispute I called back again I asked to speak to a supervisor in there department they put me on the phone with XXXX she told me why you guys stopped the dispute said lack of evidence would need to file a police report I explained to her that my niece is XXXX XXXX and made the purchases Im post to make the report on her then said I see here what you can do is speak back to merchant let them know whats going on I said I did let them know whats going on she proceeded to say ( XXXX supervisor from chime ) call merchant while on the phone with her I explained that I cant have two customers service on the phone at once then says again well contract merchant let them know once there notify give us a called back did as told once again reached XXXX didnt mind called back chime gave my dispute file number said they closed my dispute lack of evidence during investigation I explained thats not what XXXX told me and shes you guys supervisor they told me write out and email whats going on I said Im not written it out when Ive been called explaining for days whats going on I asked to speak to another supervisor in the dispute department his name was XXXX was more helpful he told me he gon na email me keep me updated with the dispute if I have email showing proof that I tried reaching out upload it then I proceeded to do it then my dispute opened back up then they closed it back after 5 days after this been going on from XX/XX/XXXX till now
Product: Credit card or prepaid card

Back in XXXX and XXXX was a very hard time for me. I lost my job and was having a hard time finding a job. In result of me not having a job I was late on my credit card payments XXXX, XXXX, XXXX and XXXX in XXXX and XX/XX/XXXX. Since then I have not been late on any payments and my cards are paid down to less than 11 percent. This really impacting my credit cards in a negative way. I was look to receive good will and erase those late payments that's reporting to my credit report.
Product: Debt collection

I am in receipt of United Revenue Corporations letter informing me that they are handling the collection of the account # XXXX for {$950.00}. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between United Revenue Corporations & me, legally listing you/your company as a person/company entitled to enforce a commercial claim against me. I mailed a letter demanding verification and validation. This was a demand for proof of contract to substantiate United Revenue Corporations claim. I legally demanded you/your company to provide me with a certified copy of an original contract, BEARING MY WET SIGNATURE, specifically naming the above company as a person entitled to enforce a commercial claim against me. My legally demanded requested information was ignored and United Revenue Corporation continues to report this fraudulent and unverifiable item on my XXXX, XXXX and XXXX reports. Furthermore, as stated in United Revenue Corporations letter, this is a " medical account ''. Therefore, this is a violation of my HIPPA. United Revenue Corporation has NOT provided a underlying credit agreement, no proof of ownership and provided no legal basis to report " late payments '' or any information to consumer reporting agencies. As a ramification due to this fraudulent account, I was discriminated against & denied my right to be extended credit. Nevertheless, I have suffered emotional and mental stress because of this false and negative credit bureau reporting.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a data breach. 
Unauthorized accounts have been fraudulently created in my name. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be blocked and deleted from my credit file immediately : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$7700.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$2400.00}
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 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 of these violations.
Product: Credit reporting or other personal consumer reports

These accounts are reporting inaccurate and are fraudulent. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so tired knowing that my concern was not attended by XXXX!! I keep sending letters and did not get anything from them!! Not a single account was deleted nor proof as to why they wont delete the account! So frustrating! The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX , XXXX XXXX XXXX
Product: Debt collection

I have debt collection company attempting to collect an unknown debt and reporting false information on my credit report.