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

please review the following accounts that are reported on my credit report, without any authorization Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

. Identity Theft WFDS Account Number : XXXX This is not mine. 

. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. 
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 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 XXXX 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

On XX/XX/2022, I was notified of new activity from my XX/XX/2022 credit report. 
According to the credit report, a new loan account was created on XX/XX/2022 in the amount of {$520.00}. 
I notified the 3 credit bureaus and filed a police report that the new account was fraudulent. They informed me that the account was created using my old address and a phone number that I was not familiar with. 

XXXX first treated this as a normal dispute instead of a fraudulent activity and did not remove the loan account from my credit report. They actually resolved the first dispute by siding with the XXXX XXXX XXXX Self Financial. I also informed the XXXX reps that I was not able to reach a support person from XXXX XXXX / Self with the contact information they provided. They provided no help here, even when I told I think their contact information was incorrect. 

After the dispute was resolved in the bank 's favor, I contacted them again and finally had them escalate this to their fraud department ( and have since sent them a copy of my police report and am doing the same with XXXX ). The XXXX agents I talked with made it sound obvious that this was a fraud case since they helped me identify the phone number and address that was used in the fraudulent loan ... and yet, the dispute did not end in my favor. Also, XXXX 's online system for submitting paperwork ( XXXX ) is broken and does not accept PDFs or TIFF files, even though those were the exact instructions! 

Since XX/XX/XXXX through today, XX/XX/2022, I have been trying to contact XXXX XXXX XXXX  AND Self Financial Inc but could not reach any live person through any of their phone numbers and automated telephone systems. I even went to a XXXX XXXX  and they were also not able to reach a person by calling in. 

Self / XXXX XXXX apparently only helps their customers and have no means of supporting non-customers. Instead, their messages have directed me to an e-mail address. I finally e-mailed this e-mail address on XX/XX/2022 but have not been contacted as of XX/XX/2022. 

XXXX XXXX And Self Financial CURRENTLY DO NOT have sufficient support staff and actually have no live person to handle serious matters such as identify theft from non-customers. Look up their website info and try calling them, you'll get nowhere. ( XXXX ). 

I am still disputing this fraudulent account through the credit bureaus as we speak. I also want to world to know that criminals can open new loans through this company because they do not run credit checks, which made my credit freezes useless here as a form of protection.
Product: Checking or savings account

A personal check from my bank BMO was written to XXXX XXXX to pay to balance ( amount written {$130.00} ) was put in a U.S. Mailbox. Later that day the Mail was Stolen from the mailbox. Whoever stole the Mail then took the check to XXXX  XXXX, Bleached the check, changed the " Pay to the Order '' portion, Changed the Amount portion to {$4400.00} along with the written amount. The Check was then presented to XXXX  XXXX XXXX and Cashed. Obviously, {$4400.00} was deducted from the checking account at BMO bank. I was not alerted to this happening until XXXX XXXX notified me my " Payment '' was over due. I notified BMO bank and they then notified me that, that check in the amount of {$4400.00} was deducted from my checking account.. A stop was put on my checking account and the account was closed. I also filed a Police Report and an " Affidavit of Forged or Altered Check '' was filled out. This took place on XX/XX/2023. All of this was done with XXXX XXXX - Personal Banker CB with BMO Bank branch office XXXX, IL Several office visits have taken place, at least 30 phone calls have been made, most unanswered. The latest information from BMO bank is that the Check was Cashed by XXXX  XXXX XXXX and that they have admitted to cashing the check. However NO Funds have been creditted to my account.
Product: Mortgage

BB & T sent me a letter that they were transferring my mortgage servicing to Sun Trust/Truist. The information did not appear on Sun Trust website and after contacting them I was told it went to a third company, which turned out to be incorrect. Eventually my mortgage was located and is indeed at Sun Trust. Issue is that BB & T took my regularly scheduled mortgage payment on XX/XX/XXXX and now Sun Trust has done the same on XX/XX/XXXX. Sun Trust has put in the request to refund the money to me but it will take 14 days to do so and requested I contact BB & T for a quicker response. BB & T is unable to assist as they no longer hold my mortgage. I am requesting Sun Trust refund my money immediately, cover all overdraft fees and expenses, and pay daily interest for each day they hold onto my funds without a refund. I have spent a significant amount of time trying to work with both companies over the phone with no results and am reaching out for assistance.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and request the immediate blocking and deletion of certain accounts from my credit report, pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts are the result of unauthorized activity and should not appear on my credit report.

The following accounts should be blocked and deleted : Accounts : XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} XXXX. XXXX  o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$25000.00} XXXX. XXXX XXXX XXXX  XXXX Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00}
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 15 USC 1681. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXXl Account # XXXX Account name : XXXX XXXX XXXX  Account XXXX XXXX Account name : XXXX XXXX Account # XXXX-XXXX Account name : XXXX XXXX XXXX Account # XXXX 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: Credit reporting or other personal consumer reports

these accounts was charged off on the following date XXXX XXXX  XXXX # # # # # # # # # # XX/XX/XXXX XXXX it was charged off multiplies times up until XX/XX/XXXX, greendot acct number XXXX # # # # # # # # # # charged off XX/XX/XXXX XXXX it also was charged off multiply times last time was XX/XX/XXXX, XXXXXXXX XXXX XXXX acct XXXX # # # # # # # # # # was charged off XX/XX/XXXX multiple times until XX/XX/XXXX, XXXX XXXX first charged off XX/XX/XXXX charged off multiple times until XX/XX/XXXX since these accounts has repeatedly been updated as charged off every month, this is an update in payment history a charge off account should not include payment history this is innaccuate information falsely manipulates the statue of limitations you failed to investigate these account properly and your neglect has violated my rights I am demanding a deletion of the following accts that I have included above
Product: Debt collection

On XX/XX/XXXX I initiated a disputed with Convergent asking them to validate the two debts ( XXXX and XXXX ) that they were reporting on my account. I asked for a SIGNED contract between me and their company. As of XX/XX/XXXX I have YET to receive ANY documents that validate the debt. However Convergent has chose to ignore my request and violate my consumer rights by continuing to report their tradeline on my credit report. I sent them the proof they requested via the BBB the following day and they have yet to respond to my BBB proof they requested via my CFPB complaint. They are BEYOND the 30 days allotted by law and I am ready and willing to seek legal action to protect my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is WILLINGLY breaking the law by not blocking information that I have stated is a result of Identity Theft. I have sent in my Identity Theft affadavit and they are still refusing to block an account with XXXX XXXX. 

Equifax said they have to treat it as a " Dispute '', which makes no sense since a dispute asserts a specific inaccuracy in reported information, which could broadly apply to anything, ranging from the spelling of the consumer 's name to the legitimacy of the debt. The implications of a positive resolution of a dispute is confined only to a finding with respect to the specific information identified in the dispute, which is not necessarily related to the ultimate legitimacy of the debt. 

My assertion is that I never authorized any account upon which the asserted debt is based, so the proper procedure is to get the information blocked from my credit report is by using the identity theft process set forth in FCRA 605 B. This process does not include any involvement of the reporting party, and is based only on the assertion by the consumer provided it is accompanied by a police report. As I have fulfulled this, Equifax is breaking the law by not blocking this information.
Product: Debt collection

XXXX XXXX XXXX Wa Says I owe {$10000.00}, I have never lived or rented through their leasing agency, during the time that they are saying I rented from them I lived at XXXX XXXX  in XXXX XXXX. I signed a application for these apartments however I never signed any paperwork or had a lease, I remember they asked me for my social security and I put it in the application and all my personal info which I thought was weird. 
Accounts receivable XXXX
Product: Debt collection

Dear Vance & Huffman , LLC, This letter serves as a second request for debt validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), as your company has failed to provide the necessary documentation in response to my previous request. Instead of the required validation, I received a blank PDF, which does not constitute proper validation of the debt. 

To be clear, I am disputing the validity of this debt and your right to collect on it. As per the FDCPA, I request the following information : The name and address of the original creditor and the current creditor.

Verification of the debt amount, including documentation proving that I owe this debt and how the amount was calculated. 
Copies of any contracts or agreements between your company and the original creditor, and/or evidence that a contract exists between me and the original creditor regarding this debt. 
Documentation of all assignments or transfers of the debt, showing the chain of ownership from the original creditor to the current creditor. 
As you have failed to provide this information, I request that you cease all collection activities on this account until proper validation has been provided. Furthermore, I demand that you refrain from accessing my credit report and remove any entries related to this debt from my credit report until the dispute is resolved. The FDCPA requires that disputed debts be marked as such with credit reporting agencies, so if you have already reported this debt, it must be updated immediately to reflect the dispute. 

Additionally, I am submitting a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your companys failure to comply with the FDCPA and provide the necessary documentation. Your failure to respond appropriately has caused unnecessary stress and financial inconvenience. 

Please also provide the following : Your permissible purpose for accessing my credit information, as I dispute your right to do so. 
Confirmation that if this debt is transferred to another collector, they will be notified of this dispute. 
I expect a prompt and thorough response to this request. If no validation is provided, I will consider this matter resolved and expect that you will cease further collection attempts. 

** On XX/XX/year>, I sent a certified letter requesting all the information in my original debt validation request. I originally disputed these debts for validation on XX/XX/year> where I received a response from your company on XX/XX/year> which was a blank PDF that did not provide any information. I then submitted another complaint on XX/XX/year> and it was closed due to being a duplicate on XX/XX/year>. I feel that my rights are not being taken into account. ***
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting

a state tax lien was filed against me XXXX/XXXX/XXXX, yet I was never notified of this. Then the tax lien was paid and released on XXXX/XXXX/XXXX. However, I was never notified of this matter and paid it once it showed up on my credit. Yet, it was my belief that I have 3 years to file any tax amendment 's if needed. I have disputed this for several years now with no luck. This is listed on all of my credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA XXXX05B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX  - XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$140.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 as proof from the US Federal Trade Commission that all 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

XXXX, TRANSUNION, AND XXXX ARE KNOWLY AND FALSELY REPORTING INFORMATION FROM XXXX XXXX AND XXXX XXXX ON MY CREDIT FILE THE OPENED DATE AND THE DOFD DATE OF FIRST DELIQUENCY.
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 15 USC 1681. ( XXXX XXXX XXXX - XXXX  ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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: Mortgage

We recently did an XXXX and our mortgage was sold to United Wholesale Mortgage. Most recently XXXX did some " updates '' and part of that " update '' was them removing the payment calculator option from my profile. I have called, chatted and messaged them about this issue and was told that no one is really sure what happened or it was part of the " updates '' or that a ticket will be created of which I will be notified. None of the previous has happened. 

This was a feature that was very helpful in our financial planning with a goal of paying off our mortgage in a timely fashion. However, since this feature has been removed ( which it was originally there ) that is more difficult.
Product: Credit reporting or other personal consumer reports

I am refiling this complaint to EXPERIAN for allowing unauthorized inquiries on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, unauthorized inquires are reporting on my credit report and they are not reporting accurately. I have filed an FTC report which I included here with report numbers XXXX, XXXX and XXXX for your reference and as proof.
Product: Money transfer, virtual currency, or money service

I am filing a co plaint against cash app ( block inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act. Specifically cash app failed to take timely and affective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected.Further more their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulations E. This has caused an inconvenience and financial loss. I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred from Fedloan servicing to XXXX and then were paid off via pslf. Fedloan does not seem to exist as a company anymore and its impossible to contact them. My old fedloan account is still showing up on my credit report as being open with a balance which is incorrect
Product: Money transfer, virtual currency, or money service

While cleaning during the pandemic, I found an Official Check for {$1000.00} given to me by my Mother for XXXX in 2004. It was drawn on Wachovia which was acquired by Wells Fargo. Wells Fargo gave us a ticket number XXXX, but has never responded other than to say they can not help us. I have checked with the state of North Carolina unclaimed money and nothing is there in my name. I know the bank got this money and I feel they should have to honor this check. It is my understanding this kind of check is the same as cash.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Raporting act. The List of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  # XXXX  has violated my rights. 15 U.S, C 1681 section 602 A. States I have the right lo prvacy. and according lD 15 USC 1681eb thay are supposed 1o ansure this Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy af the information concering the individual about whom the report relales. 15 U.S.C 1681c. ( a ) ( 5 ) Section Stales : no A 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 that antedate 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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XXXX to remove these : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that are UNKNOWN to me. Ive already included this in my previous Complaint & I am including it again. Remove these items as soon as feasible