23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX-I filed a compliant with your bureau against Eastern Revenue Inc. as they are reporting an inaccurate debt on my credit report with XXXX, XXXX & XXXX. In my complaint I have ask for a debt validation from company showing proof that I owe them directly {$700.00} for XXXX XXXX XXXX XXXX XXXX in which they reported as the original creditor. After waiting 30 days since they responded to this complaint, Eastern Revenue still had not sent any proof of debt to me even after me contacting them and speaking with XXXX XXXX on XX/XX/XXXX and verifying my mailing address with him. 

XXXX Since I was not able to resolve this issue directly with Eastern Revenue directly. I was able to get to the bottom of this since I was a former employee of XXXX and know the collections team pretty well there. Collections Representative ( Ms. XXXX ) informed me via by phone and email that I had an overdraft from XX/XX/XXXX that was not covered on an old checking account in the amount of {$530.00} ( please see attachments ). She informed me that I can pay this balance at one XXXX local branches and the account will be settled. 

XXXX I sent XXXX a certified check in the amount of {$530.00} and a request to close all existing open accounts. In my request I informed XXXX that if they accept and cash my certified check they will close and have the collection account removed with their third party ( Eastern Revenue ) who is reporting on my XXXX, XXXX & XXXX. As their third party is reporting an inaccurate account, and I have settled the debt directly with them ( XXXX ). XXXX agreed and cashed the check on XX/XX/XXXX and closed all requested accounts as I requested.
Product: Credit card or prepaid card

Chase Cards allowed for XXXX fraudulent credit cards to be opened in my name that was obtained as a result of identity theft. The account numbers for the accounts that Chase allowed to be fraudulently opened in my name are the following : XXXX XXXX XXXX These are not my accounts and Chase Cards have been contacted and been provided copies of my police report, identity theft affidavit, and they have still refused to act in accordance with the law and the FCRA by closing these accounts out of my name and by removing the derogatory information they have placed on my credit file. Chase continues to attempt to collect a debt that I have made them aware of did not belong to me. I have contacted them and made them aware that this debt was as the result of identity theft, and they have refused to stop trying to collect the debt and continue to report this fraudulent account against my name and social security number. They have further more been provided a copy of my police report, identity theft affidavit and they continue to ignore the fact that this account does not belong to me. When I have attempted to speak to this company they have been very disrespectful to me and have tried to force me to pay a debt that does not belong to me. I feel that this company is trying to extort money from me over a fraudulent debt. My personal information was compromised in XXXX and every since then I have had people open all sorts of accounts in my name using my correct personal information that was obtained from the identity theft. This debt that they are trying to collect from me is absolutely not mine and they have defamed my character by listing and continuing to list this fraudulent information against me. A part of defaming my character they are also continuing to violate the FCRA Section 605B by refusing to remove this information they know to be fraudulent from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made several attempts to the consumer agency to have the issue resolved, XX/XX/XXXX was the last time i contacted the consumer agency regarding this matter. 
Flagstar Bank Payment reverse for XXXX Please reverse payments for XXXX for the months of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX
Product: Debt collection

The amount claimed owed was removed from credit report as a result as identity theft I have talked with company numerous of time and this file keep being added to my credit report. on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, they have been failing to comply with the FCRA and all information on account is inaccurate
Product: Credit reporting or other personal consumer reports

I am submitting this formal complaint regarding an inaccurate and potentially unlawful credit report entry that is affecting my financial standing. The details of the disputed account are as follows : Creditor : XXXX XXXX Account Number ( partial ) : XXXX Status : Closed Charge Off Issue Description This account is being reported inaccurately for the following reasons : Incorrect Charge-Off Reporting : According to my records, this debt was either settled, transferred, or otherwise resolved, and XXXX should no longer be reporting it as a charge-off. 
Failure to Maintain Accuracy ( FCRA Violation 15 U.S.C. 1681s-2 ( a ) ) : Under the Fair Credit Reporting Act, data furnishers are required to report accurate information. If XXXX no longer owns or collects on this account, they are legally obligated to remove or update the tradeline to reflect a correct status. 
Lack of Proper Validation ( FDCPA Violation 15 U.S.C. 1692g ( b ) ) : If XXXX claims that this debt is still valid, they must provide proper documentation proving that they still have the legal authority to report and collect on this debt. 
Requested Resolution Based on the above, I formally request that XXXX : Immediately remove this charge-off from my credit report if they no longer have authority over the debt. 
Provide documented evidence proving the accuracy of this accounts reporting. 
Cease reporting any inaccurate or unverifiable information, as required under 15 U.S.C. 1681i ( a ). 


I expect a response within the legally mandated 30-day period, as outlined under the Fair Credit Reporting Act. Please advise on the corrective actions being taken. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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 Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit reportXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Chase is reporting Foreclosure on my credit report as well as reporting late payments after it was paid off. My house did not foreclose. This needs to be fixed immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfir pratices, which violate the Consumer Financial Protection Act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

futhermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Eletronic Fund Transfer Act ( EFTA ) and Regulation E. these actions have caused significant inconvenience and finacial lost, and i seek appropriate redressfor these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, My name is XXXX XXXX XXXX, I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have meet the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/20 XX/XX/20 They're are multiple attempts other then this dates I have attach. 

ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Mortgage

The statement that I received for making my payments has a different names on it. It was XXXX and now its Lakeview. It's my understanding that I should have received a notification from XXXX that the servicer was changing. 

When I inquired I was told that the original documentation that I received over two years ago had this information on it. That's not acceptable. New notification should have been sent as I understand the regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I allegedly had one late payment ( XX/XX/22 ) on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX  ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 
Thanks You
Product: Debt collection

I opened an inquired around XXXX 2016 against CAPITAL MANAGEMENT SERVICES LP for attempting to collect a debt for the amount of $ XXXXPlease look case XXXX. I did n't dispute their response because on his response letter. This company said will cease all collection activity and in its letter states to have the Creditor verify the alleged debt owe direct to me, so far none has verified the alleged debt of {$900.00}. Today I received a letter in XXXX from this company again trying to collect the same debt without verifying the debt as I inquired on my original case against CAPITAL MANAGMENT SERVICES LP Case # XXXX.I would like the CFPB step in to check into this issue if this company has violated any Consumer Protection Credit Laws I 'm attaching as referral the company response letter from the previous case and the letter I received today.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am behind on my loan at XXXX XXXX. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. 

XXXX XXXX, XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit Bureaus are required to revalidate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$22000.00}, DEPARTMENT OF INTERIOR XXXX Balance : {$19000.00}, XXXX OF XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX Balance : {$13000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$18000.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$9400.00}
Product: Checking or savings account

On XXXX XXXX, XXXX at XXXX XXXX  est. i received a text message from Netspend stating there was suspicious activity on my account. I called Netspend and spoke with a Rep. asking if I placed a virtual account on my checking account on XX/XX/XXXX and the Rep. asked if i placed a virtual card on my checking account and I advised the Rep. that I would not place any virtual cards on my checking account, the virtual card placed on my checking account was unauthorized for the amount of {$99.00} and XXXX and a total of {$310.00} from XXXX and a XXXX account, My account was hacked and the Rep. stated I would need to close my account, there was an investigation that XXXX sent in 2 invoices with an attached virtual card to my checking account, the Bank XXXX stated I would need to change my password. on XX/XX/XXXX my checking account was hacked again for {$51.00} from XXXX that was refunded back to my checking account which was overdraft fees. Netspend Dispute Department provided 2 invoices from XXXX that were fraudulent invoices with a fraudulent phone number. I contacted XXXX and the Rep. gave their actual email address and stated they could only block the unauthorized virtual cards. Netspend refused to take the virtual card app off of my checking account and Could not provide any proof of the payments totalling {$310.00} and denied on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I ran my mortgage credit report to qualify for my home loan and my scores for XXXX, Equifax XXXX XXXX are reflecting much lower & not as they are reflecting on each bureaus web sites. Misrepresenting my overall credit & causing me to be denied for a FHA 3.5 % or 100 % financing home loan. 

This is unfair to me & my family and needs to be corrected asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax response was that I may be a victim of identity theft but continues to keep unverified items on my personal credit report. Per my previous dispute the unverified items listed below STILL remain on my credit report in violation of Federal Law. Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigation, you stated in writing that you verified that these items are being reported correctly? How is this possible? Who verified these accounts? Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. I also sent you, Equifax, copies of my requests to the collection agencies, asking them to validate my debts, with the receipts showing that I sent these letters certified signature. I would like to request from Equifax the description of the procedures used to determine the accuracy and completeness of the disputed information. Also, Equifax has NOT provided me a copies of ANY original documentation validating these " verified '' accounts required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. I demand the following accounts and inquires be verified or deleted immediately. XXXX  XXXX   Account # XXXX XXXX  XXXX  Account # XXXX XXXX  XXXX XXXX  Account # XXXX XXXX XXXX  XXXX Account # XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX   XXXX Inquiry XX/XX/2017 XXXX XXXX XXXX Inquiry XX/XX/2017.
Product: Debt collection

started in XXXX. I spoke to XXXX XXXX about buying some books so I can train cdl students. I was asked a million questions about me and where I worked and lived. I told them everything truthfully. I went forward on purchasing books, we agreed on a price, I gave them my cc information and then I got a statement from my credit card which did not match what my emails said I would be charged and it was a lot over the amount. I disputed it with my cc company and won. they told me to not contact this company about this it was handled. I heard from a guy in their office later. he said he would send me to collections. he obviously couldn't, now he is harassing my workplace saying that they owe the bill for the books. they made up a collections paper with he city of XXXX XXXX as the debtor. I never said I was purchasing for the city, I never told them it had anything to do with my place of employment. this is a very unethical business. I wrote them a cease and desist letter with the help of a friend that is an attorney and was told to immediately contact you about this and file a complaint. thats what I am doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per court order divorce agreement ex husband assumed Bank of America home mortgage. I was released from the loan on XX/XX/2018. The account balance was still showing as owned on my credit reports in XXXX, so I called Bank of America. Apparently they had not reported that I was no longer on the loan and assured me that my release from the loan would be reported to the credit bureaus by XX/XX/2018. On XX/XX/XXXX I called one of the credit bureau XXXX and they said that the release from the loan had not been reported. I've been back and forth between the credit bureau and the bank over several phone calls. I been transferred to wrong departments and hung up on. The debt showing on my credit report is affecting my score. Also, I would think it's a privacy issue because I can tell how much he continues to pay on his loan and if he's making them on time. XXXX says the only way I can remove the debt from my credit report is to dispute it which will lower my credit score.
Product: Debt collection

Plus Four Inc. contacted me by mail XX/XX/XXXX by mail and I refused and returned the mail on XX/XX/XXXX as the account was unknown to me. I have previously disputed the account due to Plus Four Inc 's unlawful communication tactics to retrieve the alleged debt. Plus Four Inc. responded on XX/XX/XXXX and erroneously stated that they never received any return mail for this account. This is statement is inaccurate as I have documented proof that I refused and returned any mail received from Plus Four Inc. regarding this account.
Product: Mortgage

XXXX letters was written to Midland Mortgage to remove insurance from payment. Midland Mortgage was billing me XXXX XXXX more over the insurance payment monthly to include late payment fees for the over payments on my escrow for insurance. Midland mortgage escrow is a scam to make money on your payments by overcharging the insurance fee payment. I was told that I had to put {$440.00} in addition to my insurance payment for a cushion while midland reap monthly percentage off my overage payment.
Product: Debt collection

Hi Capio Partners / XXXX  of XXXX ; I just got out of strange phone calls with representatives of Capio Partners ( # XXXX ) and XXXX  of XXXX XXXX XXXX ) and Im shocked, surprised, and honestly stressed out both physically and mentally to find this medical collection in my credit without proper notice or even allow me to contest it. Its not mine! - Plus, isn't this HIPPA violations for sharing my personal medical information with so many different third-party company? WHy? Plus why is there late payments shown on the payment history for a collection account? Isn't a collection account by default late and past due? 

Don't waste my time by partially responding to this demand. I am demanding under my consumer rights that you send me ALL the following documents to me. Because if not now, then you will be forced to produce them to my attorney in the discovery phase of the lawsuit. So, to save yourself potentially paying my legal fees ( Which are ridiculously expensive ), I will just go ahead and order them now, so I can turn it over to him. 
Please provide me with the following : A signed and Notarized copy of the HIPPA release that allows you to access this alleged medical record What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgment if applicable Identify the original creditor Prove the Statute of Limitations has not expired on this account Show me the you are licensed to collect in my state Provide me with your license numbers and Registered Agent or Agent of Service If your offices are able to provide real documentation as requested in the following Declaration, I will allow at least 15-days to investigate this information and during such time all collection activity must cease and desist. 
Also, during this validation time, if any action is taken which could be considered harmful to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting agency that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.