23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XX/XX/XXXX I received a notification that an account was sent to Diversified Adjustment Services Inc. on behalf of XXXX in the amount of {$970.00}. When investigating, I was under the impression this was an older debt that was XXXX in my XXXX. I disputed this debt with all 3 credit bureau with this provided information and the company only verified that it was valid, no other information provided. So, I contacted Diversified Adjustment Services via mail on XX/XX/XXXX and requested that I be provided a proof of debt verification letter as well as any signed contracts between myself, Diversified Adjustment Services, and XXXX. 30 days have passed and no letter has been received or sent per the customer service representative I spoke with on XX/XX/XXXX. On XX/XX/XXXX I went to the original creditor XXXX and asked to be provided this same information because at this point I know it is fraud. They are refusing to provide me with any signed documentation, photo id, or any verification method used to establish this account. They can not verify this debt and they refuse to remove it from my credit report even though this is a fraudulent case. This is preventing me from buying a home because someone else was able to easily use my information to establish a utility account. I would like XXXX and Diversified Adjustment Services to be reviewed since they are working together to blantly ignore customer questions and inquiries and penalizing the wrong people.
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 {$14000.00}, {$23000.00}, {$8900.00}, {$160.00}. 
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. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8900.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX  with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$160.00} -This is not my account.
Product: Debt or credit management

I was required to pay off my TD Auto loan in order to purchase a building for my business. I complied and paid it off. TD Auto refused after multiple requests for months to update the paid off status after cashing the funds. As a result, I was denied for credit, lost the building I was tentatively approved for for my restaurant. This was the only stipulation remaining and I begged them for months to report I paid off the balance to XXXX. The updated my balance to XXXX only after XXXX got involved and after I was denied for credit and lost the building I win the bid on. I a requested that TD Auto completely removes the credit history from my credit report. Id not, I will be seeking financial damages from the TD Auto for them not reporting my update promptly and the financial losses. I was not able to recouped my {$26000.00} deposit back from the business venture. They stated I reported my balance for TD Auto was paid off the XXXX and I was not able to provide that proof in a timely manner. I am requesting that it is removed completely from my credit before XX/XX/XXXX  or I will be seeking financial restitution. I have verification when TD Auto cashed the check versus when they updated the XXXX balance reporting and proof the multiple times and attempts I requested them to report it.
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against cashapp ( Block, Inc. ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash app failed to take the timely and effiective measures to prevent and address fraud on their platform, leaving my account valuable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not complie with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial lost, and I seek appropriate redress of this situation
Product: Credit reporting or other personal consumer reports

I submitted paperwork according to the FCRA to remove fraudulent accounts from my credit report. The FTC report and other paperwork is not being attached to my disputes properly according to the FCRA. I am not getting copies of the verification process which is a violation of the FCRA These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting a late payment on my account for XX/XX/2021. Under the cares act, there should be no late payments reported at all because I was affected by covid. 


Please see letter attached!
Product: Checking or savings account

this is my 3rd complaint on same acct-continues complaint # XXXX & XXXX.for 5 yrs since our mother passed away we have tried to get jpmorgan chase to close her acct and forward monies-court order instructed them to-well they never do-they keep ans your inquiries saying oh yeah this will be handled-then contact us because they '' never received '' documents faxed to them-we have confirmation it was sent-Every day another reason to delay to obstruct-lies like u can not believe ex : given one fax # on chase ltr but on further inquiry told to send to diff # -ex : all documents sent from chse come to our correct address-except chks-that means we have to fill out forms to stop payment on chks not received-except chase recently admitted they have those chks-why not just mail them to correct address??? so forms filled out faxed THREE wks later told we are missing those forms forms we have fax confirmation on.look i could go on and onthey have no intention of ever releasing these funds, always given yeah its gon na be done-always replying to you matter being taken care of-then telling us more needed more needed ever more needed-they never tell this office that all i know is im becoming-at almost XXXXyrs old-a chase gopher go here do this run there etc-and its really driving me and my brother ill i have XXXX XXXX  XXXX  XXXX XXXX but eh-they drop the ball and i always have to scurry about because of that not fair is there oversight is there justice please help were drowning
Product: Credit reporting or other personal consumer reports

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.

Recently while reviewing my credit report, I noticed that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here is a list of inquiries that I found. 
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 XXXXXX/XX/XXXX, These hard inquiries do not have permissible purpose according to the four-credit reporting act. Anything furnaced on my consumer credit report must have permissible purpose according to 15 USC1681B.

Please remove these fraudulent inquiries from my credit consumer report. Delete this hard inquiry because it doesn't have permissible purpose according to 15USC1681B.
Product: Credit reporting

I applied for a loan and the loan officer pulled my credit and received XXXX credit scores. One was significantly lower than the other two- Equifax ! Not only is a lot of the information on Equifax outdated. They had no idea I bought house and had changed addresses three times since the address they had on file until I told them. Now my problem was with communication. Apparently they outsource their customer service to foreign countries because the language barrier was unbearable. I was not only disrespected by the rep requesting all my confidential information, I was ill at ease with having to provide any information to a person I was having serious trouble trying to understand. Equifax should be required to be as consistent with updating information as XXXX and XXXX. And! This is America! Why is it the only people outsourced to provide Americans assistance with their privileged information is the same voice calling from XXXX saying my computer has virus and they 're calling to help? Where is the accountability? After speaking with a rep at Equifax for 40 minutes nothing was resolved. I felt forcibly violated by having to provide my information to people I could not understand and could n't provide me with assistance. Where is the accountability?
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : 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 personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX  on XX/XX/XXXX with a balance of {$16000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as 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, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # ( private case number ) 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

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$2000.00} XXXX XXXX {$2900.00} XXXX XXXX XXXX {$0.00} XXXX XXXX {$0.00} XXXX XXXX {$8400.00} XXXX XXXX {$3800.00} XXXX CARD XXXX {$5000.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from CITI that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, see Attached. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, see attached, again requesting that they provide me with the information they were using to prove the accuracy of my account. I sent them a final certify letter on XX/XX/XXXX, see attached, again with no response. As of today, they are still reporting negatively on my credit report. I also sent certified letters to the three credit bureaus, see attached, along with my incident report, which is attached, asking them to verify or remove the negative report on my credit report that CITI is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Debt collection

Transworld Systems Inc is trying collect service fees for telecheck services fees when I have not issued a check for the the last month or the period they were trying to insist I used their services. I called them but they dont want to give any information unless I give my address. I told them they wrote and sent me a letter to my address so I dont want to give anymore confidential information that are not needed. If they are truly legitimate they should know my address based on the name I gave them. They also provide a QR code on their letter which I believe maybe fraudulent to get more personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXXAMEX XXXX XXXX XXXX Disputes have been filed internally through the XXXX website, but all attempts to remedy the situation have failed.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 Your XXXX Score has decreased by XXXX points. 

XX/XX/2023 Your XXXX Score has decreased by XXXX points.
Product: Credit reporting or other personal consumer reports

I do not recognize how this account is reporting on my credit report, I dont recognize this account number, I do not recognize this account status, I do not recognize the account high balance, nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. This account was opened XXXX  and last reported XXXX
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received multiple threatening phone calls from Global Collection Agency. The first one said that they are a law office and a civil grievance has been placed against me and if i do not respond immediately then i will be taken sued.Then I had another call come in saying they are going to place an order of location with XXXX XXXX and contact my employer over voicemail. I called back the number the person " XXXX XXXX left ''. The lady just answers as " legal department '' and I asked more information about company and the lady was very rude. No one told me why i am supposedly being sued, I didn't give out any of my personal information because i felt like this was a scam. I asked which state and county she represented for my " case '' and she said all states and counties. I searched with my county the case number they gave me and i told them it was fake and that this was a scam and to do not contact me again. She said " whatever lady we will see you in court '' and then hung up phone.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request a Form 1099-C, Cancellation of Debt, in connection with an account under my name that was charged off by your institution and subsequently reported as such on my credit report.

As outlined in IRS regulations under Section 6050P of the Internal Revenue Code, creditors are required to issue a Form 1099-C when a debt of {$600.00} or more has been canceled or discharged. It is my understanding that since the charged-off debt has been written off by your institution, it constitutes a cancellation of debt, and I should have been provided with the appropriate tax documentation in accordance with the law.

Failure to provide a 1099-C form for canceled debts could be considered a violation of the IRS reporting requirements, which obligates creditors to report forgiven or discharged debts in excess of {$600.00}. It is essential for me to have this form to accurately report the canceled debt on my tax returns, and I would like to resolve this matter in a timely manner to ensure compliance with all relevant regulations. 

Please send the 1099-C form at your earliest convenience, either to my physical address or via email at XXXX Should you require any additional information or documentation from my end, I am more than willing to cooperate to expedite the process. 

Thank you for your prompt attention to this matter. I look forward to your response and resolution of this issue.
Product: Mortgage

I called Citizens One to discuss the Covid relief program and was told the deferment plan would allow you to skip a payment for three months, then you would resume the mortgage payments and if additional assistance was needed to contact them. 

I received a letter dated XX/XX/XXXX - regarding my request for loan assistance and the implementation of a 90 day forbearance of my loan with the ability to extend, if NEEDED. 

I received a letter dated XX/XX/XXXX stating my forbearance plan is ending soon and that the payments that were not received will become due unless other arrangements are made. 

I then received a letter dated XX/XX/XXXX stating that they could not reach me and that they would be extending the forbearance plan for an additional 90 days. I called and told the loss mitigation department I did not want an extension, and was told they had no control over the situation. 

I received a letter dated XX/XX/XXXX regarding a partial claim modification and on XX/XX/XXXX I contacted the Loss Mitigation department regarding the letter about the foreclosure prevention option : Partial claim. I stated that I did not want to participate in the foreclosure program and I wanted to pay my loan up to date. I was given the amount of {$3700.00} and paid it on this date, bringing it current. I told the loss mitigation department that I wanted a letter stating that I am no longer in foreclosure and that my loan is current. I was promised that I would receive such letter, to date I have yet to receive such a letter. I was also reassured by this department that my payments would resume by automatic draft as they were paid before. 

I received a letter dated XX/XX/XXXX - which stated that my forbearance plan is ending soon, it was the exact letter dated XX/XX/XXXX. 

On XX/XX/XXXX - I called the loss mitigation department to make a payment for the month of XXXX, since this is the only way I can make a payment. I was told that I did not owe a payment and am currrent. I also inquired about the letter stating I am no longer in forbearance and am current and was told it would be coming some time this week. 

I called Citizens One on XX/XX/XXXX and a young lady in another country looked up my information and told me my payment of {$880.00} was in suspense and she didn't know why. I explained to her that the loss mitigation told me on XX/XX/XXXX that I was current. She had no explanation. I explained to her that my Citizens One mobile app stated that I am past due. The young lady asked me about refinancing, I told her I did not request to refinance. She said it was mentioned in the paperwork.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus are still reporting inaccurate information XXXX XXXX as Late & closed When its in time & still open XXXX  XXXX as a Repo when Account does not exist
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPA, I previously filed a complaint with you in regards to my mortgage lender, XXXX XXXX XXXX. 
XXXX reported me delinquent to the credit agencies even though I never missed a payment and fulfilled all their requested obligations. After my filing XXXX responded and admitted that there might have been a " misunderstanding '' due to the transfer in servicing in their company. They corrected the inaccurate reporting on my credit with XXXX  and XXXX  but left the incorrect negative reporting on my Equifax report. 
My loan officer just pulled my credit report and XXXX has me still reported as late for XXXX and XX/XX/2021 on my Equifax report. After reviewing my payment history, I realized that I paid my full repayment plan amount of {$11000.00} in XXXX, and in XXXX the reduced amount of {$9900.00}. However, my Equifax credit report shows me late for both mentioned months which is totally inaccurate. Please let me know how to proceed with XXXX in this matter. Thank you very much. With best wishes, XXXX