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

First part to put on the CFPB Consumer Name : XXXX XXXX Consumer Social Security XXXX Consumer Date of Birth : XX/XX/XXXX. XXXX. Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Transunion, XXXX and XXXX 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 XXXX : Collection account at XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$340.00}, Collection account at XXXX XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at XXXXXXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$690.00}. 
TRANSUNION : Collection account at XXXX XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, XXXX account at XXXX, opened on XX/XX/XXXX under account number XXXX with a balance of {$1200.00}. 
XXXX : Collection account at, XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$620.00}, Collection account at, XXXXXXXX XXXX opened on XX/XX/XXXX under account number XXXX with a balance of {$340.00}. 
Inquiries : XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in hard inquiries fraudulent collections appearing on my consumer FICO credit report. Attached is a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud.
Product: Credit card or prepaid card

To whom it may concern early XXXX I was severely impacted by the XXXX and was XXXX in result of XXXX  from the XXXX  reached out to my credit card provider so I could have my payments deferred it was a hassle to get through to the credit card provider as there was longer than normal weight time I did get through and spoke to a representative from an overseas call center she confirmed that my credit card will be deferred but I should call back at the end of the month if further deferment needed l also call in XXXX as well my credit card provider still reported to the credit bureau that I was late XXXX XXXX and XXXX I also went ahead and bring the account up to current status before the month of XXXX ended. Currently holds three credit card from this particular provider and never been late on any of my account before the mandatory shelter in place order due to the COVID-19 pandemic that was issued by my state and city Thank you for taking my situation into consideration
Product: Debt collection

I am a victim of identity theft and noticed a collection from Convergent Outsourcing. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Convergent Outsourcing in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
Product: Mortgage

Hello I'm in XXXX county Georgia. I used to get a separate bill for storm drain charge which is a utility to maintain the drains. Now the county assessor is including it on the property tax bill. Can they do this add it to tax bill so lender collects enough in escrow to pay it. I have a fha loan. They sent a letter and this will take effect this year tax bill which.comes out this month.

XXXX County is who is putting on tax bill as a separate line. Spoke to mortgage company they pay whatever total is on the bill. They don't separate it out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I send a letter requesting verification of a collection account. I have sent this letter before and have received no information whatsoever validating the debt.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE THE INACCURATE ADDRESSES ON MY CREDIT REPORT. MY ONLY CORRECT ADDRESS IS : XXXX XXXX XXXX XXXX XXXX, SC XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX  XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Dear Transunion, I received a copy of my credit report and am writing to dispute the following information that appears on my Transunion credit report. 

Please verify or remove immediately the following accounts : XXXX XXXX Bank XXXX I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX ***** I am a victim of identity theft and I never opened this account. Please remove this account and inaccurate information from my credit report. 

XXXX XXXX ******************* I am a victim of identity theft and I never opened this account. Please remove this inaccurate information from my credit report. 


By the provisions of the fair credit reporting act, I demand these items be investigation and removed from my credit report. Please remove any information that the creditor can not verify. I understand that under XXXX5 U.S.C Sec. 1681 i ( a ) you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter/ Sincerely. 

XXXX XXXX XXXX
Product: Debt collection

IQ Data international XX/XX/XXXX I reached out to discuss the XXXX balance from the XXXX XXXX  I spoke to Mr. XXXX XXXX accounts manager, I told Mr. XXXX XXXX that the XXXX was not explained in the itemized list and I was not responsible for those fees. He stated that I breached the contract by leave the apartment earlier and I explained to him that a noticed was given in XX/XX/XXXX that I would be vacating the premises on XX/XX/XXXX. I was no longer responsible for the lease after XX/XX/XXXX. Per the contract section 2-A ( 1 ). 

He then began to get upset and refused to communicate respectfully. I asked him to Provide me the same respect I was giving he proceeds to get upset and refused to discuss the account with me and the call ended. 

In the conversation I told Mr. XXXX that if the extra fees and the excessive water bill that I dont agree with was taken off I would pay the difference. He states that he is the account manager and he will not remove anything from the charges because he dont have too. 

Mr. XXXX XXXX Refuse to allow me to speak to anyone else also told me he was the only person in the company so theres no one else for me to talk to
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2001 XXXX XXXX hit with a hard inquiry. I have tried on multiple occasions to have this removed sending letters and calling them over the past year. I asked them did I have new credit card or anyone apply for a new credit card they say no. I know I have had an account with them 5+ years maybe someone requested a credit line increase is the only other thing i can possibly think of that maybe I left the computer on at a library or somewhere I was at. I never authorized anyone to run my credit on that day and would like the inquiry removed. I am very happy with XXXX XXXXXXXX otherwise as i've been a long time customer but this inquiry I honestly have no idea what there talking about and is in accurate and erroneous
Product: Vehicle loan or lease

XXXX XXXX # XXXX Re-Investigating Charge Off {$15000.00} Transunion Whom It May Concern : This letter is in response to your recent claim XXXX XXXX XXXX XXXX FCRA ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the repossession/ Charge Off each month creates an inaccurate and misleading credit report, which negatively impacts my credit score. the statute of limitations for reporting a repossession/ Charge Off is XXXX years from the date of the delinquency leading to the repossession/ Charge Off ( 15 U, S.C. 5 1681c|aX4 ) ). Reporting this multiple times does not extend this statute and is therefore improper. XXXX. XXXX XXXX XXXX XXXX Reported Charges Off on XXXX Credit Reported and currently is reporting a balance inaccurate reporting. The balance should reflect zeros since the company reported the debt was submitted to the IRS as a losses. Transunion has failed to follow Fair Credit Act in accurate reporting and failed to submit to this consumer information use to verify this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do believe in early   XXXX  , I do n't have the exact dates, but a payment was made in full to  Capital One  ( and they will have record of i t )  and 3 days later they returned the payment to the bank. No exclamation was provided to me. In those 3 days, I was under the impression my card was paid and paid some bills {$300.00}  ).  Needless to know now I have more to pay on it. Approximately  2  weeks later, another payment was made PAID IN FULL and Capital One decided to sent that payment back to the bank after 10 days. I contacted them and asked why or how could they could just send a already made payment back not once but twice? They gave me the runaround and I did n't get a single answer. And to top it off, they have put financial and late charges onto a bill I have paid twice.     I feel like I was a victim of identity theft, and someone out there took my funds both times. I have never received any monies back fro both payments either.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these ITEMS in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting ITEMS as unverified information without providing any proof within the period allowed by law. The following ITEMS need to investigate and corrected for erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$71000.00} XXXX XXXX XXXX Balance Owed : {$10000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$4000.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$14.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$3300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 

XXXX Account Number : XXXX ; XXXX  Account XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX  XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX T Date of inquiry : XX/XX/XXXX ; XXXX XXXX  XXXX of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a complaint with respect to Wells Fargo Bank. I sent them letters to validate this account and they continue to return with generic letters. There are two accounts on my credit report from this creditor XXXX.. 
This is the account on my credit file that is the charged off account. 

By definition, the IRS clearly states that a cancelled debt or charge is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s-2 Says that Wells Fargo is a furnisher of information to a consumer reporting agency.

It is against the law for the Wells Fargo to provide inaccurate information.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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 The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union, federal government agency, or other applicable entity as discussed earlier in chapter 1.

The above paragraph is taken directly from the IRS 2021 publication.

Wells Fargo Bank refuses to send me the form. I am demanding you to have them delete this incorrect information and/or furnish this 1099-C form.
Product: Credit reporting or other personal consumer reports

XX/XX/2022 I was contacted by XXXX XXXX XXXX of XXXX Police Department that a family member was pulled over during a traffic stop and proceeded to provide them with my social security number to elude them ; she impersonated me and tried to have her XXXX  charges under my identity. There is an open case of XXXX  and other XXXX  and XXXX citations. My family member stole a phone that had many of my credit card apps, orders were placed through the apps for store pick up in stores where no proof of identity was needed to pick up any brought merchandise. My identity has been taken from me both XXXX  and financially ; I have been unable to resolve this issue, unsuccessful with making corrections to these errors on my credit report or even obtaining a new copy of Police report # XXXX when my name is listed as the victim. All three credit Bureaus have yet to protect my credit where they are reporting inaccurate information of debt that has not been made by me. Attached is the police report I was provided with, My Federal Trade Commission Identity report where more details are enclosed of accounts and balances.
Product: Credit reporting

I have disputed a collection account with LVNV Funding and have asked for validation of this debt both directly and with the XXXX credit reporting agencies. LVNV Funding has failed to provide me with any evidence that this debt belongs to me and that they have a legal right to collect it. I am demanding that they either provide me with sufficient evidence that this debt actually belongs to me or that they delete the account from my credit reports. If LVNV fails to either validate this debt or delete it from reporting, I will have no choice but to pursue legal action against LVNV Funding.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance Owed {$120.00} XXXX XXXX XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed {$74.00}
Product: Money transfer, virtual currency, or money service

I had a recent bank transfer to my bank, however the routing numbers were changed on my bank account but I forgot to update it on PayPal, therefore I never got the money even though paypal completed it. I already removed the bank account with the old routing number but PayPal says they can not reverse it. I have no idea who has my money, because my bank that was supposed to receive it never got it. My bank account number is the same but routing number got changed. 

Transaction ID : XXXX My banks routing number was changed, but the account number ending in XXXX is the same. That is why the funds never got transferred. I contacted my bank and they said that either PayPal can return the funds back to PayPal or cancel the transfer. My bank never got anything. So, I do not know where the {$67.00} went. 

Account email : XXXX XXXX
Product: Debt collection

Invested in loans  with Upstart. I have  my account settings on " do not reinvest '' for several years. I just received an email that I made  XXXX  loans for {$100.00} each/ {$300.00}. I tried to contact the company by email and phone. I received an automatic email and they never answer the phone ( on hold for over an hour )
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account.
Product: Mortgage

" I recently applied for a mortgage loan and initially received pre-approval, followed by formal approval. I proceeded with the necessary steps, including the payment of earnest money. However, during the final stages of securing the loan, unforeseen complications arose. Despite my substantial down payment of over {$200000.00}, a XXXX XXXX exceeding XXXX, and the property 's value being {$360000.00}, my application was unexpectedly rejected. The reason provided was related to my debt-to-income ( DTI ) ratio. 

It's important to note that my student loans were not only in deferment but also subject to an income-driven repayment plan, with a nominal required monthly payment of {$130.00}. Given my annual income in the six-figure range, this denial was both surprising and disappointing. Regrettably, this turn of events resulted in a significant financial loss of nearly {$6000.00}. ''
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. 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 my 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 in 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 XXXX, AND 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, credit repair services, or other personal consumer reports

Chexsystems, Inc obtained and provided my consumer report to a 3rd party without consent on XX/XX/XXXX with information obtained by XXXX XXXX new business membership department with XXXX XXXX XXXX XXXX at the same address. XXXX XXXX sent a notice of adverse action to my job. All three of my credit files has a security freeze with a fraud alert. I did not personally apply for any loans or credit with XXXX XXXX XXXX and/or XXXX XXXX. I reactivated my membership with XXXX XXXX in XX/XX/XXXX.
Product: Payday loan

Someone from High Point Asset, Inc. called my work number. Although they did n't identify themselves, I was able to find the name of the " company. '' They have been harassing me over a debt that I do not owe.
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block , Inc. ) due to their inadequate customer service and unfair business practices, which I believe constitute violations of the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraudulent activities on their platform. This negligence left my account vulnerable and unprotected.

Moreover, their dispute resolution process was both unfair and deceptive. Cash App did not comply with the error resolution requirements outlined under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused me significant inconvenience, financial loss, and unnecessary frustration. 

I seek appropriate redress for these violations.
Product: Payday loan, title loan, or personal loan

I received a loan for $ XXXX {$800.00} from 1st heritage credit and was signed up for extra stuff I didn't want or need. I inquired about paying the loan off early as to avoid some the interest and was told it wouldn't do any good. I was going to have to payback {$900.00} over what I borrow. At first I was told I couldn't cancel some insurance they tricked me into. Then I was told I could but it wouldn't really do any good. I don't believe it is fair borrowing a little over {$700.00} and having to pay back over {$1600.00} regardless of early pay off.