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

I have sent these documents to the reporting agency 3 times in the past 12 months. My information has exposed in the XXXX data breach, and I have waited 30 days for an investigation. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XXXX XXXX I am writing to formally request that fraudulent information resulting from a recent data breach be blocked from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I became aware that my personal information was compromised in a data breach. As a result, unauthorized accounts or inquiries may have been placed on my credit report. I am requesting that you block all fraudulent information associated with this data breach, as provided under 15 U.S.C. 1681c-2 ( b ). The Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( b ), allows consumers to request the blocking of fraudulent information from their credit report if the information was the result of identity theft. As such, I have attached a copy of the police report I filed in relation to the identity theft and the data breach, which serves as proof of the fraudulent activity. I understand that under the law, you are required to block the fraudulent information within XXXX business days after receiving this documentation. I request that you promptly remove any fraudulent accounts, inquiries, or other data associated with this breach from my credit file and provide me with confirmation that these actions have been taken. I would appreciate it if you could send me a copy of my updated credit report once the fraudulent information has been blocked. If you require any further documentation or information to process this request, please let me know. I look forward to your timely response, as required under the FCRA. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX [ Enclosures : Copy of Police Report, ID, SSN CARD, PROOF OF ADDRESS ]
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted a request for an investigation into my credit report because there are so many accounts listed fraudulently. I have never dealt with these companies there are no contracts bearing my wet ink signature. I want a manual investigation do not send me an automated response, do your job according to 15 USC 1681i disputing procedures you are not allowed to continue to furnish information that can not be verified. If you can not provide me with any evidence I want these items immediately deleted unless you can provide sufficient proof that these accounts belong to me. As A victim of fraud I want to be the first to say it has cause extreme hardship in my life but now I am getting things back in order starting with investigating these accounts and their validity. You are held to a higher standard regarding the information you furnish. These are the accounts that I want investigated because they are fraudulent. 
XXXX XXXX XXXX - XXXX : {$4400.00} XXXX XXXX XXXX - XXXX : {$540.00} XXXX  - XXXX : Collection {$3900.00} XXXX  - XXXX : Collection {$7100.00} XXXX  XXXX - XXXX : Credit card {$7200.00} I have contacted the FTC and filed an identity theft report as well. I included a copy of the complaint along with my ID and SS.
Product: Checking or savings account

1. XXXX XXXX, unauthorized charges deducted from my account for purchases and subscription through XXXX XXXX ( XXXX and XXXX ). Credits were issued, but not accurately posted back to my accounts. Done as a bank transfer to other account, XXXX XXXX XXXX Account ending in XXXX with Exp XX/XX/2018. Has transferred over {$5000.00} by use of XXXX account by placing said XXXX XXXX XXXX Card on account and removing XXXX XXXX Debit Card Account. Just want money back from XXXX Account and credit from a XXXX Purchasr for unauthorized use and access with a fraudulent card/account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these accounts from my report. Any accounts referenced in an identity theft report must be blocked by the credit bureau, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. XXXX XXXX  XXXX Balance Owed : {$5900.00} ; XXXX XXXX  XXXX Balance Owed : {$950.00} ; XXXX XXXX  XXXX Balance Owed : {$1300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to late payments and per ; 15 U.S Code 1666, 'A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ' Under the FCRA they cant report late payments. I demand that they update it to the CRA.
Product: Debt collection

Everyday since XX/XX/XXXX Portfolio Recovery continues to harass me. The originally contacted me back in XX/XX/XXXX about a credit card issue from a store card issued by XXXX XXXX. I had had issues with the card issuer as I closed all my cards that were with that bank. In the shuffle of paying off all 3 between XX/XX/XXXXand XX/XX/XXXX they didn't apply payments correctly, one was a settlement that i had to fight them to honor because they were still stating that money was owed and it wasn't, one card was paid in full per the terms and then the express credit card debt which Portfolio Bought is not the correct amount. when I was initially contacted I explained that the amount was Not the correct amount that I needed more information from them regarding this debt, when they purchased it, and to notify me in writing the gentleman that i informed of this was extremely rude, very threatening telling me that i had to make the payment now or i would end up in jail and was very vulgar with the language.. I never received anything from them and the calls stopped after I mailed the letter around XX/XX/XXXX. Then they started up again in XX/XX/XXXX, I spoke with a lady, and explained that i never received the information that I requested regarding the amount and validity of the debt, and she kept pressuring me to give her my account information so they could take the payment and be done with it. I had explained I was out on a medical from work at the time and they were having me file for XXXX. Then she started harassing me with well if i wasn't working how was I surviving ( food stamps and my company was still providing my medical coverage and i had family helping with my XXXX XXXX XXXX childrens medications and their child support was providing for their schooling and clothing and supplies ). She kept battering me on well i should have something to give them over the phone right there. Kind of hard when you have XXXX cents in your checking account and still waiting for XXXX. I informed her one more time that I was filing for XXXX, I had no funds and I never received the paperwork I had requested in XX/XX/XXXXregarding proof of the validity of the amount. Calls stopped up until XX/XX/XXXX. Since then they are calling everyday 4-20 times a day on my landline and my cell phone, as well as harassing family members and have even continually contacted my former employer even though i'm no longer there, and they are spoofing numbers. They are calling from over 40 different numbers and only 1 number will come up Portfolio recovery on the caller ID but they are using other companies like plumbers, medical labs, local numbers and when you call back your connected to the actual business and not Portfolio. This has to stop. I'm still waiting on XXXX, trying to make sure my kids have food and their medications as well as my medications and the anxiety of these constant phone calls because they aren't following the law is making me sicker. I see they have been reprimanded on a few occasions for the same tactics that they still are continuing to use.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, ( XXXX ), ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account at XXXX XXXX XX/XX/XXXX account number XXXX, XXXXXXXX XXXX XX/XX/XXXX account number XXXX, XXXX XXXXXXXX XXXX  XX/XX/XXXX account number XXXX, XXXX XXXX XXXX on XX/XX/XXXX account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ), ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 percent accurate accounts on my credit report. Unauthorized use of my credit report.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I paid it off and is still on my credit my information is going to other 3 party companies
Product: Debt collection

Debt Validation was not received. My rights were violated his Account is in XXXX. 
According to FDCPA 5 U.S. CODE 605 5 U.S. CODE 604 ( B ) 15 U.S CODE 6801 LAW 15 U.S.C. 169C
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection has already been removed from my other credit bureaus, since the original debt charged off over 10-years ago. XXXX XXXX has violated its subscriber agreement with Experian. My information was taken off of a debt pooling system, has never been validated and can not be enforced by any additional collection process. The negative trade line needs to be removed permanently. It only appears on my Experian report, and XXXX XXXX has maintained it there in true violation of my rights under the Fair Debt Collection Practices Act.
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 for these violations.
Product: Mortgage

After a modification Wells Fargo told me I owed XXXX payments and I could only make XXXX. I believed only XXXX was due and it was for XXXX. After paying it I was told I had to pay another XXXX which I did n't have. They have made me late every month on my credit report, my credit is shot. I have n't been able to go to work because of health issues. I just finished my XXXX. I have called them and so far I have talked to XXXX people. No one can help me they just transfer me to another person. I received a notice that if I did n't give them {$6400.00} by the XXXX of this month that they are foreclosing on my home. I have never missed a house payment. I have owned this house for fourteen years. I want to ask them if they will add the money I owe them ( in their estimation ) to the principal and start from scratch again. I do n't know what else to do. I am so concerned about being homeless and I do n't know which way to turn. It took a year and a half to finalize the modification and they lowered the principal by XXXX and the payment stayed the same. I was mortified. I wanted a lower payment not a lower principal and they knew that. Since I lost my job I have nothing extra. My children help with my medications and food. Can you please help me.
Product: Credit reporting or other personal consumer reports

This was a follow up on a previous complaint and request the removal of certain inquiries from my credit reports. The reason for this request is that I will be updating my credit reports within the next 15 days. As per the Fair Credit Reporting Act ( FCRA ) section 605b, credit bureaus are obligated to remove items listed on an identity theft report. Therefore, I kindly request the Credit Bureaus to remove the following inquiries from my reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an Identity Theft Report to the all 3 Credit Bureau on or around XX/XX/2019 and stated, "I am a victim of identity theft and that the accounts listed in my report does not relate to any transaction(s) that I had made. I requested that they block all the accounts listed and information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. All accounts were removed except "US Bankruptcy Court Clerk of XXXX XXXX CT " in the amount of $XXXX. I filed a police report, filed a Federal Trade Commission Identify Theft Report - XXXX, and completed an identity Theft Victim’sComplaint and Affidavit. This account is not mine and I am requesting that it be removedfrom my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

someone has access to my personal info. I've been dealing with this issue for the past few years. I've tried disputing this with the credit bureaus but these fraudulent items still remain. I '' m also seeing someone still trying to obtain credit in my name because, im seeing a lot of inquiries, different addresses, and wrong employment info reporting as well.
Product: Checking or savings account

CreditRepair.com are a bunch of absolute scumbags. I went to them for help and they stole money from me. I went to sign up and was told in 30 days I would be charged {$99.00}. Instead they took out {$200.00} the next morning ... and refuse to give me the full refund. I have called both XXXX AND CreditRepair.com and both have been complete XXXX. XXXX said there is nothing they can do and CreditRepair.com swore to pay me back in full and have refused. To just put you into perspective of how infuriated I am ... I've called about this every 2 days and today CreditRepair.com made me wait an HOUR AND A HALF ... on the phone and not one person answered. Also they never reply to emails, live chats or even XXXX. They are complete XXXX  and I want my money back. And XXXX? Thanks a lot for doing literally nothing to protect me from fraud, why am I a customer again? Congrats I'm not anymore. No files are attached below because CreditRepair.com never sent me proof of the conversation confirming the full refund. Huge Surprise.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call from XXXX XXXX, NV Highway Patrol, stating that I was being investigated for fraud & money laundering, in Colorado. She then connected me to, XXXX XXXX, XXXX # XXXX, phone # XXXX, who identified himself as a representative of the above name entity and FTC. He gave me the names of XXXX XXXX XXXX XXXX XXXX. Both of whom I know. I later found out that XXXX XXXX was arrested for Fraud & Money Laundering. XXXX XXXX stated that in order for me to be protected, I had to send money from my Wells Fargo account to another Wells Fargo account, located at XXXX XXXX XXXX, XXXX, CA XXXX. Routing # XXXX, account # XXXX XXXX XXXX XXXX XXXX. Unfortunately, he sounded very convincing & I did it, in two increments. One for {$6500.00} & another for {$1200.00}. I realized, a little late, that I was being scammed. On XX/XX/2023, I went to my Wells Fargo to report it. A gentleman, by the name of XXXX, helped me & called the Wells Fargo in California. They started the investigation & said it would take 12-15 days. The {$1200.00}, was returned to my account. However, the {$6500.00}, never was. I received a letter from Wells Fargo that they were unable to reimburse me & that the inquiry is closed. Claim # XXXX
Product: Debt collection

On XX/XX/XXXX, I received a bill for XXXX total. My insurance paid XXXX, my copay was XXXX, which I paid upon arrival at the XXXX XXXX, and there was a commercial insurance payment of XXXX. This left a balance of XXXX. On XX/XX/XXXX, I received a letter of financial assistance stating that my debt was forgiven by XXXX XXXX XXXX for an approved 68.8 % discount of the total bill. According to the site, I have XXXX debt and the balance was never given to collections until I noticed a derogatory mark on my credit report. Based off of these facts, I do not have any responsibility for the debt youre trying to collect. Please have this removed.
Product: Mortgage

My mom passed away on XX/XX/XXXX. She had been paying her mortgage payments for 10 yrs. Her original loan has passed thru a few different lenders. One lender tried to illegally foreclose, I hired an attorney, showed them my proof of fraud, one appearance in court and lender was ordered to stop foreclosure and lower mortgage payment back to where it should be. That lender sold our loan to our current lender. We missed one payment, after that I immediately made arrangements to give lender access to deduct all future mortgage payments from our bank account on the XXXX XXXX of each month. Over the next few months I also gave the lender an extra {$400.00} or {$500.00} each month until the missed payment had been paid in full and our loan was current. It was during that time that the lender said we had to fill out papers for a " loan modification '' if we wanted to keep the lower " interest rate ''. I didn't understand and tried to ask questions, but everyone I talked to made it more confusing with all their " legal '' mortgage mumbo jumbo saying it was in our best interest to do the loan modification, so we did it. That was in XXXX, now I am having to sell my mom 's home only to find out that besides the balance of the original loan we have to pay a " 2nd mortgage lien '' in the amount of {$63000.00}. All I can find out is that someone got HUD involved and they gave our lender {$63000.00} towards our loan. Everyone I call about this tells me I have to call this office or that office, I can't get any straight answers. My mom 's original loan amount was for {$240000.00}, her payments have gone up and down and up again over the years but most of her payments were {$1600.00} a month for the last 10 years. House is going thru escrow now, lender gave our payoff amount as {$180000.00} but the Title company said that 2nd lien of {$63000.00} also has to be paid before escrow can close. Do the math, {$180000.00} + {$63000.00} = {$250000.00} which is {$9000.00} more than the original loan amount. So basically, my mom paid {$1600.00} a month for 10 years and now she owes MORE than she borrowed. What did they do with all the money she paid them? I've got a stack of documents from different lenders, I have 3 or 4 different " DEEDS '' with different names on them, I've got papers showing one lender committing fraud to illegally foreclose, I've got court transcrips. What I don't have is someone honest to help me. I can't handle this by myself, can you help me? Believe it or not, this was a very brief summary of what has been going on, I could talk your ears off for a couple of hours if you want more detail. I won't have any money to pay you until escrow closes and I see what, ( if anything ) I am left with. I don't think I should have to pay {$63000.00}. I didn't ask HUD to get involved, I never received any money from anyone, so how could this money be added to my mom 's loan for no reason?
Product: Debt collection

received a call from a friend today stating that HSBC called her to tell me i would be receiving a lawsuit paperwork and they needed to contact me to deliver. They also called both my sons from a blocked number with same information. then a lady called me and said I was being sued and they needed to tell me to be home monday ( they had my address XXXX to receive the papers. She gave me a number to call. No company name. I called XXXX and was told to give them a number -- XXXX which i did, they had my full name and social and said they were a mediatation company and that HSBC were sueing me over a debt I owed. They said they sent a letter in XXXX last year. I said I never got a letter.. I said I had a credit card in XXXX, but it was a time barred debt. They said I had made a payment in XXXX and they had 10 years to sue me for the debt and I said they did not and they hung up on me and that they were a mediatation firm. It is my understanding that I was living in california at the time and it was a 3 year time limit on consumer debt. I live in alabama now and it is 4 years. From what I see it is time barred. I also went back in some old files and found that I had responded to XXXX XXXX XXXX about a HSBC # XXXX acct they were trying to collect from a letter XXXX XXXX and sent them a certified letter which they did not respond to.sent XXXX of XXXX in which they alleged that I made a payment in XXXX, which I did not and looked at my old bank records going back to XXXX XXXX. Please help. I feel that they are scamming me on a time barred debt that was sold and was a zombie debt. thanks XXXX XXXX
Product: Debt collection

I received orders from XXXX XXXX, XX/XX/XXXX to XXXX XX/XX/XXXX, XX/XX/XXXXin XX/XX/2022. The electricity was shut off at previous address in XX/XX/2022 through the servicing company XX/XX/XXXX XXXX. A balance was not stated on the last bill I received that month. In late XX/XX/2022, I received a notice of a debt in the amount of {$540.00}. I called and asked why I wasn't notified in XXXX and stated my situation but they sent my account to collections regardless. Apparently they sent a notification to the house I no longer lived at the the current residents kept the mail and I was never notified nor given a chance to dispute, arrange payment, etc. 
The amount is extreme due to a plan theXX/XX/XXXX XXXX offers, which does not stipulate that I wave Servicemembers Civil Relief Act rights by enrolling the program. 
Now I am in collections through Clark County Collection Service. The agent handling my debt claims to have never heard of the SCRA.
Product: Credit reporting or other personal consumer reports

full validation was not provided and should be removed from my XXXX credit report