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

XX/XX/20 Equifax website for lifting a credit freeze is not operational. 

XX/XX/20 Equifax website for lifting a credit freeze is still not operational. I finally reached a customer service representative who told me I had to mail a request ( including my social security and drivers license information XXXX to have the freeze lifted. I tried to explain the time sensitive nature of the request to no avail. I repeatedly asked to speak with someone else to resolve the issue and was denied. The representative eventually hung up on me.
Product: Mortgage

On XX/XX/XXXX a letter was printed by Third Federal notifying me that " records show subject property is in a Special Flood Hazard Area '' Therefore you are required to have flood insurance on that property. My property was remapped by FEMA in approximately XXXX. Lenders were apparently notified by FEMA and then scrambled to prove flood coverage to FEMA, prompting the letter that I received. Even though my credit line is only $ XXXX ( XXXX 20 % ) and the principal balance was XXXX, the letter demanded proof of coverage in the amount of {$250000.00}. 
I received the letter on or about XX/XX/XXXX, and began to research the flood maps and other related law. 
I believe the following facts to be true. 
The lender can only ask for coverage in the amount of the principal balance. 
FEMA does not require coverage where the loan amount is {$5000.00} or less.

The borrower is entitled to a 45 day notice ( requiring 2 letters ) prior to forced placed insurance being purchased by the lender. 
There was quite a bit of hurricane activity in FLORIDA during this time frame, but I was able to get a policy in place by XX/XX/XXXX, costing {$780.00} The lender, however, has purchased a flood policy in the amount of {$4300.00} and intends to bill me for the term of XX/XX/XXXX until XX/XX/XXXX. 

It is outrageous that the federal government, by creating these new XXXX maps as a tool to tax citizens for flood risk, and has apparently deputized the banking system to enforce the tax. 

I maintain that the notice provision which actually had no effective notice is defective and violates TILA. The {$250000.00} coverage demand is fraudulent. The {$4300.00} amount is fraudulent, as the banks normal reasonable effort should have been able to place coverage for no more than {$1500.00}. 
The banks failure to notify me in a timely fashion of their need to prove coverage by XX/XX/XXXX is wholly their fault. 
Please remedy this failure of the system.
Product: Credit reporting or other personal consumer reports

Please see the XXXX bill attached for violation of the FCRA and update the payment history on the following accounts because you are reporting that I was 90 days late in XX/XX/year> with no prior late payments reporting. You can not report an account 90 days late without first providing when it was first late. I already sent a dispute letter over 4 months ago. I will attach the letter, which is dated, and time stamped. I am also attaching my credit report to show the 90-day late payment on the following ( 5 ) accounts : DEPT OF EDUCATION/XXXX  Account # XXXX Balance {$4000.00} Account # XXXX Balance {$2400.00} Account # XXXX Balance {$460.00} Account # XXXX Balance {$690.00} Account # XXXX Balance {$1900.00}.
Product: Credit reporting or other personal consumer reports

remove all negative items immediately The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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. 
This is violation after violation after violation. This is causing me stress because I have no hope with this system
Product: Debt collection

I mailed a debt validation letter to XXXX XXXX XXXX on XX/XX/XXXX. Which the collection agency received on XX/XX/XXXX. In the letter I advised to validate the alleged debt, the collection agency responded with a bill of {$750.00} with an account number.
Product: Student loan

I have been shopping around to refinance my Student Loans. I found an advertised rate for the company " Common Bond '' of 1.85 % on a variable rate 5 year loan. You can see this same rate if you navigate to their main company page now. I applied for this loan, but was only approved for their fixed 5 year loan at their lowest offered rate of 3.21 %. I have absolutely perfect financials, XXXX credit score and superb debt/income ratio. When I asked them what they would offer for a variable rate loan, they only replied they would do a variable rate at 3.21 %. I thought that was odd, since most variable rate loans are lower than their fixed rate counterparts. I asked them to look again, and they said, yes this is the best rate they could offer me.

It seems to me that the advertising on the offered rates is very misleading by this company. Every other company I have applied to refinance through has offered me their lowest rate for either fixed of variable rate loans. Now this company has a great deal of my personal financial information as a result of my application, plus made a hard pull on my credit, so the result of their false advertising I do not feel is harmless.

Thank you for your time in considering this harmful practice.
Product: Debt collection

AD ASTRA RECOVERY SERVICES is reporting a debt in the amount of XXXX to the credit bureaus that I did not authorize.
Product: Debt collection

Today XX/XX/2023 - I received a letter in the mail from XXXX law office regarding plaza services llc debt in the amount owed of XXXX. 

I pulled my credit report and I found a collection account for plaza services but in the amount of XXXX. 

I reached out to the company via fax with a copy of the letter they sent to me, a screenshot of the debt on my credit that also states its been closed/charged off and a copy of my ssdi letter showing I am fully XXXX  and can not work via the state of XXXX. 

I also wrote a debt of forgiveness letter to XXXX who plaza services llc is collecting for and sent them a copy of this stillnan law office letter, my XXXX letter and a screenshot that they have the amount totally wrong.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the numerous attempts I have made to address the fraudulent items associated with my account. Despite multiple efforts on my part, it appears that the issue persists, and I have yet to receive a satisfactory resolution. 


I initially brought this matter to your attention and since then, I have made subsequent attempts to resolve the issue through your designated channels. Unfortunately, I have not received any meaningful assistance or resolution. 

The impact of these fraudulent activities on my personal and financial well-being is significant, and the lack of prompt and effective action is causing me undue stress and inconvenience. I expect a company of your stature to prioritize the security and satisfaction of its customers. 

I kindly request the following actions be taken to address this matter promptly : Conduct a thorough investigation into the fraudulent activities associated with my account. 
Provide clear communication on the progress of the investigation and the steps being taken to resolve the issue. 
Take immediate action to rectify any unauthorized transactions and remove the fraudulent items from my account. 
Implement measures to enhance the security of my account and prevent future occurrences. 
I believe in the importance of maintaining a positive customer-business relationship, and I hope that this issue can be resolved amicably. I anticipate a swift response and resolution to this matter. 

If the necessary actions are not taken promptly, I may be forced to escalate this complaint to relevant consumer protection agencies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX FL ) XXXX Balance : {$2000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX FL ) XXXX Balance : {$2000.00} XXXX XXXX XXXXXXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

dear credit burau i just recently looked at my credit report. i saw hard inquiries that did not have permissible purpose can u reinvestigate the inquiries listed below. [ XXXX XXXX XXXX ] : date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXX XXXX XXXX ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXX This inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B [ XXXX XXXXXXXX XXXX XXXX  ] date open : XX/XX/XXXX ACCOUNT NUMBER : XXXXThis inquiry has no permissible purposes to be in my report. Delete this inquiry due to violation of 15 USC 168 B
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXXXXXX XXXX XXXXXXXX Account Number : Account Number : XXXX XXXX XXXX Account Number : Account Number : XXXX XXXX Account Number : Account Number : XXXX XXXX XXXX XXXX Account Number : Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I am finally a complaint against Cash App ( Block , Inc. ) Due to an adequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with their error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Noticed this on my XXXX XXXX and I dont recognize it
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XX/XX/XXXXand there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transactionXX/XX/XXXXthat I have made. It is the result of identity theft.
Product: Debt collection

A service provider, XXXX XXXX, previously filed a collection against me that is not my debt in XXXX. After it was contested, it was removed. The company has refiled it with another collection agency, Transworld Systems. It is NOT my debt and I did not obtain this service. The service was obtained in a different county from my residence, I have never lived there, I do not know anyone there. The collection company just picked a person with a similar name to file the collection, hoping it would get paid. 

During the previous contest, the collection agency sent a form requesting all my personal information, which I will not provide. 

The information provided by XXXX XXXX was minimal, and had no personal information that would have been provided to obtain services. 

The derogatory remark on my credit is harming my ability to obtain ( renew ) home insurance and obtain refinancing on my home.
Product: Student loan

On XX/XX/XXXX I contacted Navient regarding my 3 private student loans held with their company. My loan has been on interest rate reduction program for the past year and a half. the current reductions rate is 6 % and I pay a payment of {$160.00} every XXXX of the month via payments that are set up by their interest rate reduction program. The payments are split between interest and principal with interest being first. Due to the fixed interest rate each month the amount paid towards interest should decrease and the principal amount should increase. Unfortunately that has not been the case the amounts I pay towards interest and principal vary by large amounts each month. The servicing team could not provide explanation for that. Simply stating they don't have access. Also I have a line on both XX/XX/XXXX and XX/XX/XXXX for a loan sale which added additional interest to my loans and they could not provide answer to that. Another item on XX/XX/XXXX was added on for capitalized interest which should not of occurred. They stated that happens from time to time when full interest isn't paid but each month the full amount of interest accrued should be paid before principal. I was not in forbearance or deferment where I would not of paid interest in full for XXXX. Each time when I try to get clarification from their agents no one has an answer and keeps trying to pass the responsibility to someone else. It is super frustrating dealing with such an incompetent company.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit card or prepaid card

Fortiva is refusing to make the payment and pull bank funds for payment from my bank account within the promised 24 HOUR period that Fortiva promised they will use to pull the payment. Instead they refuse to process the payment within the promised time you 24 hours and wait 5 day which looks like fraud to the bank and it causes the bank to tell them no. They wait till XXXX on Sunday to pull the funds when they were supposed to pull the funds out on a Wednesday. The bank sees this as fraud and refuses to pay them so then they keep blocking my payments. They are waiting intentionally for a late process so it will be declined by the bank. They are denying me my rights. This is not fair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Send several certified letters with tracking numbers asking to verify debt and the credit bureau has completely ignored and have not provided a contract or anything with my signature has not been provided regarding XXXX XXXX. my last letter i send is attached to this complaint.
Product: Payday loan, title loan, personal loan, or advance loan

Acima digital fka simp Lease date open:XXXX Charged off Balanced XXXX Still reporting balance
Product: Credit reporting or other personal consumer reports

XXXX : The creditor agreed to delete this account from my credit report upon payment. The account still reflects on my credit report. Please remove. 

XXXX XXXX XXXX XXXX : The creditor agreed to delete this account from my credit report upon payment. The account still reflects on my credit report. Please remove.
Product: Credit card or prepaid card

This credit card is from a U.S.Bank ( Skypass Visa ) affiliated with XXXX XXXX, rewarding mileages and discount on XXXX ticket purchase and VIP lounge passes. 
Every year I am supposed to received two XXXX XXXX VIP lounge passes. 
However, I have not received anything for the last 3 years. 
On XX/XX/XXXX, I called the US Bank customer service and inquired about the VIP passes. 
They simply said they dont know and just wait. 
They also said the vip passes are good for one year so they can not send anything for the year XXXX and XXXX. 
They should say they will send me the back order passes XXXX, XXXX and XXXX but they would not help me at all.
Product: Debt collection

THIS IS CURRENTLY ON MY CREDIT REPORT AS THE ONLY BLEMISH. I have no idea who it is or what it is about. It is a false claim/transaction. 
The collector ( MRS BPO ) hung up when I called. ( I XXXX  the number from the credit report. ) I called back immediately and they were from XXXX and that they turned my information back to XXXX XXXX  ( without even discussion ) this may have been a fake call. 

There have been no attempts to collect, and my account with XXXX is in good standing with their billing department. They are unaware. 

I have been hacked. Police and federal authorities have been contacted. I need to assure that credit is frozen. From what I understand removing this will immediately increase my score by XXXX points. There are plans to move forward with other harassment and identify theft/stolen information charges-pending result. 

Please help me remove this bogus account from my credit report! I will do whatever I need including all police reports and legal cooperation. Online harassment has gone on for more than 2 years. Thank you.
Product: Debt collection

Portfolio Recovery Associates , LLC ( XXXX ) claims to have investigated the complaints and verified the PRA accounts ending in XXXX and XXXX, the accuracy of the information they furnished regarding the accounts. 

But have failed to provide my any documentation proving so. No original contract no purchase agreement not a single document providing the have the legal right to collect this debt. 

My contact Information regarding this debt was obtained illegally as a form of aggravated I identity theft. PRA confessed Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX whose social security number ends in XXXX. I never gave XXXX  XXXX permission to give any information to this company. I never gave PRA permission to request my information in any compacity per 18 U.S. Code 1028A - Aggravated identity theft. ( a ) Offenses.

( 1 ) In general.

Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. 
( XXXX ) XXXX offense. 
Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.

I never gave this company person to contact me or furnish data on my behalf. I have never even been contacted to dispute the collection of this debt PRA claims to have sent its initial notification letter to our customer on or about XX/XX/XXXX, XXXX but I received no record of this no tracking number no documentation at all presented. I have never received any thing due this company XX/XX/XXXX. Please provide documentation proving this initial communication has been sent and received XX/XX/XXXX XXXX. PRA confessed to another crime .. we purchased the accounts and obligations XXXX XXXX XXXX XXXX had with XXXX XXXX to pay the balance due, no other contract between XXXX XXXX. 
XXXX XXXX and PRA is required to validate the accounts.

That is a violation of contract Law!! If there is an alleged contract between both parties A ( XXXX XXXXXXXX ) and B ( XXXXl XXXX ) .. XXXX XXXX has not lawful right to sell that contract with out first obtaining written consent and per mission to do so which I have never provided. PRA must provide A bilateral contract. Which is is an agreement that binds two or more parties legally on pre-decided terms and conditions.. signed and dated with all three parties to PROVE they have legal right to collect this debt. 31 U.S. Code 3718 - Contracts for collection services. this company has been illegally conspiring with XXXX XXXXXXXX in an attempt to force Me to pay them a debt I do not owe. This account was formed illegally! I demand it be XXXX out and removed immediately!
Product: Debt collection

In XXXX XXXX XXXX XXXX I received a letter in the mail that was called " Notice of filing of foreign judgement ''. stating that I had been sued in Delaware and a judgement was entered against me because " I failed to appear ''. I live in XXXX  ( although I used to live in XXXX  briefly long ago ). This judgement was imposed in XXXX  ( again I live in XXXX  ). 
The judgement amount is in the amount of {$7100.00} + costs. Additionally, they claim that service was issued to a " XXXX yr old Male, XXXX '' in hight, weighing XXXX, with XXXX  hair and XXXX XXXX ''. I am a XXXX old Male, XXXX '' in hight, weighing XXXX, XXXX XXXX and DO NOT wear any XXXX XXXX. I hired an attorney here in XXXX  upon receiving the above notice and explained I owed no debt to this bank. Nor did I live in XXXX  at the time of the judgement. He reached out to the Bank and the attorney representing the bank and was unable to obtain any proof that the debt was actually owed by me. They would only provide proof of judgement and again couldn't prove that the judgement was actually against me. They have since refused to speak with my attorney any further. My attorney has advised me to file this complaint with the FTC/CFPB as an identity theft complaint, as I have never done business with this bank, nor was I resident of XXXX  at the time of the law suit and do not owe anyone this claimed amount of money. Please investigate.