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

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below, as I am a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be immediately removed from my credit report to protect my personal and financial information. 
Affected 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 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 XXXXXX/XX/XXXX
Product: Prepaid card

On XX/XX/year>, I received a prepaid debit card in the mail. I contacted Cash App support, told them it was fraud and they told me they could not help me on the phone and had to email their support requesting the card be closed and that I would be followed up with as to how the Cash App Account and card were opened. The next day I filed a police report with my local police department. I also contacted XXXX XXXX since I've been a victim of identity fraud and XXXX XXXX called Cash app support with me on the line and Cash app refused to answer any questions. 

Yesterday, XX/XX/year> I received another Cash App card. Cash app customer support told me the same as before, that they could not help me but had to email XXXX and there was no supervisors that I could speak to. With XXXX XXXX on the line, we contacted XXXX XXXX who issues these cards and they told me they could not help me because I did not make the Cash App account that fraudulently was created in my name. 

They would not answer any questions as to how the account was created, whether my social was used, etc. They would not answer whether it was a marketing tactic to try to get me to open an account with them. 

My credit is frozen and no credit or debit cards should be allowed to be opened in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX This account came back as a verified account and it was not verified by me XXXX XXXX XXXX This item was return XX/XX/2016 and the company have been reporting recent late payments on my account XXXX My student loan are in deferment and is being reported late
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint on my own behalf with no third party involved. I am requesting that the charges to my account be removed and that any finance and other charges related to the fraudulent amount be credited, with an accurate statement. I am demanding that these fraudulent claims of an alleged debt and negative marks of late payments on my credit be removed from my credit report entirely. This is Identity Theft and is completely against my rights as a federally protected consumer under Title 15 Chapter 41.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Account Number : XXXX {$160.00} I have notified XXXX XXXX to let them know that I am not paying this account. Under Federal Law 15 USC 1692c they are required to delete this collection from my credit report and they have not deleted yet.
Product: Credit reporting or other personal consumer reports

I have submitted disputes on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to remove the incorrect information from my credit reports. I have also requested the 1099C letters for the charged off accounts on my credit reports and have yes to receive them.
Product: Mortgage

On XX/XX/XXXX I came home to find two individuals who had broken a lock and entered my home without permission and were letting the water out of the hot water tank. He explained that he had a work order to do this work - of which I have a copy - but had no court order, understandably, because the house is not in foreclosure, only delinquent in mortgage payments. I told him I was calling the police, and he, to his credit, waited for the police officer to arrive. The contractor gave me his address and phone contact information when requested and on the work order was the contact information for the company that had contracted him to secure the premises, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. On the work order was a contact name for XXXX, XXXX XXXX at XXXX. I called this number and a man answered who said XXXX had stepped out - it was approximately XXXX - and he transferred me to another woman. I asked her why her company had contracted with a local contractor to enter the property without a court order, told her she had no legal authority to do so and told her that I had just called the police, and she hung up. At that point the police officer arrived, and I gave my statement ; he then went outside with the contractor to obtain his statement. He oversaw the re-installation of the new lock and door knob, since the original had been destroyed, and the clean up to a reasonable level of cleanliness and water removal of the mess the two had made around the water heater. The police officer explained that he did not believe the contractor believed what he was doing was illegal and trespassing is a crime of intent, so he would not be charging the contractor with a crime, but he told me I might want to contact the State Attorney General because it is very interested when corporations or financial institutions violate the law, but that the local police had no interest in pursuing the case further. When outside in the driveway before he left, I told the XXXX, XXXX XXXX, that in the future, at this home or any other in XXXX State, you need to demand a court order showing you have the authority to enter a house before you may break into it. I also told him the bank has all my contact information and all you need to do is contact me, and if I deem it appropriate, I 'll let you in voluntarily.
Product: Student loan

I am unable to make any payments outside their business hours. 

Previously I was able to make online payments, but now, their website would not allow to make any online payments as it states in error " no future payments can be made '' I am also unable to make payments over the phone since they are closed after business hours. 

This allowed me to be late on my payment.
Product: Prepaid card

I recieved a prepaid gift card from my employer as a performance reward in XX/XX/XXXX which was loaded with XXXX USD. I attempted redeem the value of this card on XX/XX/XXXX and noticed that the card had expired on XX/XX/XXXX. I called the issuing entity, Northlane which is now owned by XXXX, on XX/XX/XXXX and requested the issuer send me a new card with a modified expiration date. The company representative informed me that due to the " terms and conditions '' of the issuer, they would not replace the card and the value on the card was forfeit. 

My understanding is that this is in violation of Federal Law, specifically the Credit Card Responsibility and Disclosure Act ( CARD Act ) Title IV Sec. 401, which mandates that prepaid cards, defined by the statute as any card that is redeemable at multiple, unaffiliated merchants or service providers, or automated teller machines ; issued in a requested amount ; purchased or loaded on a pre-paid basis ; and honored upon presentation, may not expire sooner than 5 years after issuance.
Product: Credit reporting or other personal consumer reports

I am writing this dispute letter in correspondence with the Complaint ID XXXX that was recently closed. I don't understand that you are making it hard for me to request to remove this inquiry on my credit report. 

XXXX - XX/XX/2023
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX To Whom It May Concern, The reason for my dispute is HS FINANCIAL GROUP LLC was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). 
However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, HS FINANCIAL GROUP LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) HS FINANCIAL GROUP LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HS FINANCIAL GROUP LLC is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HS FINANCIAL GROUP LLC is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.HS FINANCIAL GROUP LLC has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting or other personal consumer reports

I contacted all 3 bureaus on XX/XX/2023 requesting that they remove the stated accounts but I got no response from them. 

RE : Compliance and Procedures To whom it may concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below OR a Certification from the creditor that the certified accuracy and completeness of the information/account. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of the verifiable proof, you must DELETE the account listed below. 
I demand that the following accounts be validated or DELETED immediately. 


XXXX. XXXX XXXX XXXX 
XXXX. XXXX XXXX 
XXXX. XXXX XXXX XXXX 
XXXX. XXXXXXXX XXXX XXXX 
In addition, DELETE all non-account bearing holding inquiries over 30 days old. Also, please add a promotional suppression to my consumer file.
Product: Credit reporting or other personal consumer reports

I opened a XXXX XXXX account XXXX years ago but I lost my debit card somehow and I lost access to my account I called XXXX XXXX and reported it and ask them to close it in XX/XX/XXXX they did. I thought they did because I ask them to until the XX/XX/XXXX I went to open another account with XXXX XXXX and they said I couldnt because I added a check of XXXX to my account and I took the money but the check was returned and they had to pay the money and that has my credit report bad I cant open no bank account and I know who might be the one who did that so I want to report because I cant open bank account or do anything that ask for credit report
Product: Vehicle loan or lease

Ally financial charged my account off as bad credit or debt reported negative debt to the credit bureaus the loan was for {$9000.00} I've paid {$8900.00} they are reporting I still owe them over {$5000.00} they also reported late payments that were not late every time I've disputed it they have sent different payment histories with late dates different as the one before they do not match my payment history that I printed off of their website they also were charging me late fees that were tripled the amount they were supposed to they also reported that I was late on months that I was approved for a program called skip a payment that I did three times and paid to be part of. Because of the charge off it has affected my credit immensely I can not get a loan because my score is so low because of this I have always had good credit and paid my bills on time until I got a loan with this company. They also will not give me my title to my car that I have paid for - {$100.00}. I keep asking Ally to audit my account and send me my payment history and all the late payments that they have charged me for they tell me they will send it but they never do I've printed them off they do not match what they are reporting in this needs to be taken care of so that I can get my life back on track and get a loan to buy a house and stop renting buy a car because the one I have is about to break down I can not do any of these things because of this charge off bad debt they put on my credit
Product: Mortgage

XXXX 
1. SETERUS was not responsive to payoff requests, which resulted in them securing more time to collect interest payments - I believe they owe me interest that they collected past the closing date2. SETERUS is now not responding to my requests for a refund of {$1600.00}, as escrow funds they collected for city taxes are no longer my responsibility as I sold the home and they are now the responsibility of the new ownerI sold my home with a closing date of XXXX XXXX, 2015. Beginning in XXXX, the title company began contacting SETERUS requesting a loan payoff statement. After multiple faxes and phone calls, SETERUS kept claiming that not only did they never receive a payoff request, the title company was n't authorized to request the payoff, and it had to be done by me, the homeowner. I made multiple requests via phone and online, yet it took over a week to get a response and we finally received the payoff notice after the closing date. My loan was paid in full on XXXX XXXX, yet they have XXXX XXXX as the payoff date, which gives them 3 extra days of interest charges. The issue now is that I am having a difficult time getting the city property taxes they collected returned to me. The taxes are due XXXX XXXX and are now the responsibility of the new homeowner. SETERUS can not keep the money they collected, yet they will not give me a definite answer on sending it back to me, just that the refund is pending. I have made multiple phone calls, and SETERUS does not have a way to be contacted via email. I need help getting SETERUS to send me the refund check for taxes collected, yet no longer my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the original debt collector XXXX XXXX XXXXXXXX XXXX reporting as a collection/chargeoff account and I guess they sold the account to XXXX XXXX XXXX They are reporting to XXXX Equifax as an open account and reporting to XXXX XXXX as a collections account. I dont understand how could they do this?
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$560.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$620.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$520.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$130.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )
( A ) & I will be seeking a legal remedy.

Please CORRECT the account, or inaccurate information, from my file immediately XXXX XXXX XXXX
Product: Credit card

On XXXX XX/XX/2024, accepted a " settle for less '' offer from Chase for a charged off credit card. Requested amount for the settle for less offer was paid as requested. My credit report is still showing the balance of the account as {$3000.00} past due after completing the settle for less agreement as of XXXX XX/XX/2024, and XX/XX/2024 was reported as a charge off as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are company that reenter bill that was in bankruptcy XX/XX/2017 discharge. add amount to it and my score down now. bill that was paid off in negative. car that was repossess, change collector name and put back in my report. out of work because of pandemic and they add all these late charge to my account credit card.
Product: Mortgage

Homebridge GA failed to pay my taxes for XXXX in XXXX Then they sold my mortgage to there sister company homebridge NJ  and never sent any of the paperwork to them. Homebridge GA told me back in XX/XX/XXXX it get paid in XX/XX/XXXX. Then i discovered they sold my mortgage. Homebridge NJ told me they'd pay my taxes in XX/XX/XXXX. They didn't i had to called them 3 more times before payments were made two of them to XXXX office. they lied to me about when and how many payments were made and it still has an outstanding balance. 

Homebridge GA  has still not sent my paperwork to Homebridge NJ and now my escrow is gone. Seems someone as Homebridge GA  is embezzling money. My escrow has vanished homebridge NJ has informed me i have to pay XXXX $ or get XXXX increase to my mortgage. I can not believe in good faith that this is a mistake. it seems to me that they are stealing money and hiding the paper trail. I have the documents for all the above. I will be filing a complaint to the IRS for tax fraud as well. I contacted NJ state bank and file a complaint there as well. XXXX
Product: Credit reporting or other personal consumer reports

I am unaware of inquiries showing on my credit report and collections I have asked to show proof such as signature, social, Id I am unaware of 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 also collection from XXXX XXXX XXXX I have called them directly and no results I feel like I am being unheard and very annoyed that I have to go extra mile for something on my profile that I did not authorize I have asked credit bureaus and creditors to obtain proof of my identity with these accounts and they have did nothing but denied me of my rights
Product: Mortgage

Freedom Mortgage was paid off on XX/XX/XXXX but refuses to refund the balance in my escrow account.
Product: Credit card or prepaid card

Capital One has been soliciting me by mail on a regular basis ( at least 5 or 6 times ) to apply for their Venture credit card. I am about to build an addition to a home & will be spending a lot of money so I applied for the Capital One Venture One card which has a LOT of 'Bonus Points ' included when you spend a certain amount within a few months.
I certainly would do this in order to GET those Bonus Points.
I know my credit score is very high (  XXXX  ) and I owe very little money. I could afford to pay it all off if I chose to do so.
I believe they denied me this special card because I am a Retired Person, not working.
They could n't possibly have denied me based on my Credit.
I am under the impression that if a bank offers a credit card to some people with certain criteria, they must afford that card to ANYONE meeting the same criteria. I resent this denial and still would like that particular card.
Product: Debt collection

This is my second attempt to get this item deleted from my report. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. The company has already written off this debt them reporting this item is tax fraud. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.