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

XXXX XXXX XX/XX/2021 SSN : XXXX To whom it may concern, Im writing this letter to dispute the following accounts : XXXX XXXX XXXX This company is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/18 I went to seek purchasing another vehicle. I already had a pre-approval from XXXX XXXX that I wanted to use for financing with the printed out confirmation number. I informed the salesman ( XXXX ) when he went back to his finance rep 's office ( XXXX or XXXX was his name ) that I did not want my credit ran through different banks and that was the reason for me trying to finance through XXXX XXXX. Later that night when was home I started receiving XXXX XXXX emails informing me of inquires ran on my credit through XXXX and XXXX. I did not give them permission to do this and when I informed the salesman of this they should have asked my permission first. I called them on XX/XX/18 and was told that they can't do anything about removing them now. That's unacceptable and very unprofessional. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, IN XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I completed a structured settlement sale/deal in 2020 with XXXX. I was selling my future payments for {$110000.00} but I received an offer not too long before the court said those payments were worth up to {$400000.00}. I told my IPA and he said if that is true we should not move forward. We notified XXXX we will not go to court until we figured out that the offers are legit. I shopped around and the offers ended up being real. Court ended up coming up and XXXX somehow got the deal approved without me and my IPA being at court. They promised they were going to make the deal higher but ended up ghosting up and just funding the rest of the money. My IPA believes this was an act of fraud and I have a case. He wants to help but says he can't represent cause he would be a witness. I did two deals before XXXX that went great. I would like to get that deal voided and sue XXXX.
Product: Debt collection

XXXX XXXX XXXX purchased a collections account from XXXX XXXX XXXX XXXX, who bought it from XXXX XXXX, on XX/XX/XXXX. The purchased electronic files that does not include any contract or any other identification. I have asked for copies of all documents XXXX XXXX purchased on this account and have not received them. XXXX keeps fraudently reporting this account because they do not have the documents on this account. The keep telling me they are ordering this from the original creditor and have not and it has been beyond 30 days required by law for them to respond. I explained to them this account is not mine- I did not open it and they can not not even show proof of when it was opened. I am demanding that this account is removed from my credit profile immediately- I have filed multiple reports through the Consumer Federal Protection Bureau and they continue to send me the same few statements they have and not the full documents I have requested. The most recent letter they sent on XX/XX/XXXX said to call them to request copies of payment history when I called that same very day and requested this information verbally as well as through the Consumer Federal Protection Agency prior- They are ignoring my complaints on Purpose and does not have the documents needed
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate 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 and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX. 
financial loss, and I seek appropriate redress For these violations.
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 {XXXX}. 
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 ) -- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2018 with a balance of {XXXX} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE REMOVE 1. Identity Theft XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft FM/CITIZEN Account Number : XXXX This is not mine.
Product: Debt collection

Past time line to collect debt so can not. Needs to be deleted from credit report if hurting account. Inaccurate information is subject to deletion. Please send me a new credit report once this error has been fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. 

XXXX XXXX is showing as a late payment on my account and it is incorrect. I spoke with a representative at XXXX XXXX who informed me the payment was not late so this is incorrect.
Product: Credit reporting or other personal consumer reports

These four Accounts on my Credit Report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Have been reported completely inaccurate as shown in the screenshots. These 4 inaccuracies reporting late payments and negative information has dramatically affected my ability to get approved for mortgages and credit.

I want these 4 erroneously reported accounts removed from my credit report.

Per FCRA 15 U.S. Code 1681n, these are violations that entitle me to compensation, up to {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX 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

I received an inquiry alert from XXXX on XXXX. When first calling Bank of America ( the same day ), the representative explained that they had no information in regards to any credit inquiries on XXXX. They then directed me to call XXXX because they stated that they had no information for me. 

I then called XXXX ( the same day ) but they were closed for the day. The very next day on XXXX, I called XXXX and they placed a fraud alert on my account and thought that it is very strange that Bank of America had no information for the credit inquiry. The XXXX representative then explained that they are only a data reporting unit. 

I did not authorize Bank of America to create a credit inquiry for me on XXXX and I am fearing that my personal information may have been used for possibly opening an account or line of credit in my name and identifying information.
Product: Money transfer, virtual currency, or money service

PayPal : Earn 10 % Cash Back On Purchases ( Limit {$30.00} ) Paying with Paypal through XX/XX/XXXX, up to {$30.00} cashback ( XXXX rewards points ). 

I had successfully activated the promo code, and the webpage said I was eligible, and then I made a {$300.00} purchase on XX/XX/XXXX, according to which I should get 10 % within 14 days, its been 21 days today, and I still havent gotten 10 % Rebates in USD {$30.00} or XXXX points
Product: Credit card or prepaid card

Upon reviewing of my records, I am upset on what is happening to my credit report and found out that there is questionable item. The listed account below is erroneous. I did not incur any late payments. Ive made every payment paid on time. Your agency did not proofread the report and did not make sure it was 100 % correct. 




XXXX  / XXXX / {$1400.00}
Product: Debt collection

This is for a move out at an apartment I lived in, the walk threw was complete and no damages were found and we mutually agreed that all is good. Later, the Apartment claimed that I damaged the carpet. I never did and no proof was provided, no court order and no agreement during the walkthrew and now they have reported that I owe them {$600.00} and sent it to a collection agency without the proper legal ground since I never caused this and I need to get a ruling on this from the CFPB so I can have creditors response prior to hiring an attorney to take legal action.
Product: Mortgage

It is the practice of my mortgagor , Ocwen, to report my mortgage payments to credit agencies 3-4 months after payment is ma de. For instance, my  XXXX  credit report currently lists  XXXX  as my last mortgage payment as on time.     I would expec t Ocwen to promptly report my most recent mortgage payments to the credit reporting bureaus to insure accuracy of my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On  X/X/2017   , Experian received my certified request dated  XX/XX/2017   . The request was to investigate several inaccuracies appearing on my credit file. In addition, pursuant to Fair Credit Reporting Act,  15 U.S.C. 1681g, I requested disclosure of documents recorded and retained in their file ( s ) at the ti me of this request concerning the accounts being reported in my credit report.    Three additional certified request were made regarding their investigation. It has now been more than FORTY days since that initial r equest. I have received NO updates, documents or any other information regarding the inaccuracies. To date, the items still remain in my credit file.   I have sent a fifth request via certified mail advising Experian of their willful violations of the law yet they continue to ignore or be willfully negligent of my request and the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to work this matter out since XX/XX/2019. I filled my original complaint on XX/XX/2019 case # XXXX. XXXX and XXXX  were unable to verify the accounts and removed the identity theft. Equifax removed all but to items and closed the case stating they verified them. But, once again I ask, how can they verify them and the other two bureaus couldn't? They clearly stated that they were sending a electronic message to the unknown creditors. Which is not a investigation per FCRA and unacceptable! 
I then filed a complaint regarding the investigation process and the verification and request that the proof be provided to me, per my legal FCRA RIGHTS! On XX/XX/2019 and Equifax closed the case as a duplicate complaint on XX/XX/2019. Because of the questions I directed to them and the documents I requested. 

I filed a new complaint on XX/XX/2019 with the exact same details regarding the investigation process results, verification and proof of the verification documents and stated that the 1st complaint regarding the investigation was being swept under the rug by Equifax and they were trying to disregard the complaint, because I asked for the proof! That filing was # XXXX and I received a update that it would be another 60 days and they were sending out a electronic request. 

Which is the same thing, they aren't doing a investigation and if Equifax just completed and verified the accounts. Why can't I get the proof positive i.e original document with wet signatures binding me to the debt? If they did the 1st investigation, the documents should be on hand and very easy to mail out the documents and this case is closed! But they do not have them nor have they ever had them and are playing cat and mouse with me verses being a honest company and abiding by the LAW! 

I came to the CFPB for assistance, I understand you can't act as a attorney for me, but you can ask the question where are the documents, if you verified the accounts and why is it that the documents can't be release right away, as you have a copy of them. If you verified the accounts! 

This is well after the 30 day mark, before the 1st complaint was closed out verified. That is a removal in itself and Then a closed out complaint as duplicate and now the new complaint has received the same generic response of working on it 60 days!!! 

I am not going away and using these filings for my civil law suite case. As documented proof that Equifax has violated all of my rights, entitled to me in the process and I will request financial damages, if this matter in now cleared up right away. This is my last complaint, my next complaint will be in Local, State or Federal once I decide which court offers me the greatest victory and has the proper jurisdication. 

I have been more the patient and fair!
Product: Debt collection

Macy 's sent my acct to Collection to XXXX XXXX XXXX , XXXX on XX/XX/XXXX for a debt of {$310.00} ( including fees charged and interests charged ). Regardless the account was canceled by credit grantor, Macy 's is continuing using an unfair practice to charge interests and fees to my account they already closed. When I received a letter from the Collection agency, I called them on XX/XX/XXXX offering a settlement. According to Citibank-XXXX XXXX XXXX, XXXX the amount raised from {$310.00} to to {$390.00} in only one month. I offered a one time payment of {$230.00} ( 60 % of the new debt or 75 % of the original debt of original debt of {$310.00} ). Unfortunately, XXXX XXXX XXXX , XXXX did not want to agree with the settlement and after several calls I dropped the ball. 
Additionally, on XX/XX/XXXX, my account has been recalled by Citibank , N.A . and XXXX XXXX XXXX , XXXX is no longer being serviced by them. 
I made an offer and the collector refused to back down. It is no illegal, but may violate the companys policy for which the collector is working. Normally, Collectors are paid on commission, which is their motivation for collecting as much as possible. XXXX XXXX XXXX , XXXX wanted to get another month past due to get a higher commission. Additionally, I asked to talk with a Supervisor and repeatedly told me that a Supervisor was not available. Finally, when I talked with the Supervisor the amount had increased and my request denied. 
This bad practice collection has affected me an increasing disproportionately this crippling debt. 
Macys changed on XX/XX/XXXX to Citibank, N.A./Department Stores National Bank as a new collector. Obviously, Citibank did not offer any new way to resolve this issue and my efforts were completely invalid. Every time I wanted to talk with Macys they transferred the call to Citibank. 
Unfortunately, the amount has increased every month and according to the last statement released by Macy 's, the actual debt increased to {$500.00}. As a consumer, I requested the protection from the Bureau of Consumer Financial Protection for this unfair practice given by Macy 's with a customer who is retired and the account canceled and sent to collection on XX/XX/XXXX. 
Macys should resolve this issue in a fair practice with the consideration of my initial offer to settle the account for the amount of {$230.00} and CFPB implements and enforces federal consumer financial laws to ensure that all consumers have access to markets for consumer financial products and services that are fair, transparent, and competitive and not charged with abusive late charges and interests.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ATTN : I am reaching out to your company because there are fraudulent inquiries on my credit report.

Pursuant to 1681b Permissible purposes of consumer reports I also never gave you any written consent to report anything on my consumer report.

By law these inquiries on this letter must be deleted immediately Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

No consent is IDENTITY THEFT! 

XXXX Inquiry :XX/XX/XXXX XXXX Inquiry :XX/XX/XXXX
Product: Mortgage

Is there a past due balance? 

If so, why? 

Is this account current and in good standing according to PennyMac? 

I see the principal balance did not change from XXXX XXXX XXXX 's XXXX 2015 principal balance from XXXX 's Principal Balance even though XXXX 's payment was posted. 
XXXX 's ( XXXX XXXX XXXX 's XXXX Principal Balance XXXXPennyMacs XXXX Principal Balance : XXXX 2015 yearly escrow need funding? 


2015 Yearly TAX Escrow : {$740.00} a year. {$370.00} X XXXX XXXX XXXX XXXX : {$1200.00} Yearly escrow for home insurance and taxes : $ XXXX so ... .. how much do I pay towards escrow and how do I pay? 

Thank You, XXXX XXXX
Product: Debt collection

I filed my chapter XXXX petition bankruptcy on XXXX/XXXX/16 and cavalry portfolio services, collecting for a XXXX XXXX credit card bill that was included in my BK filing, reported a collection account on the same exact debt on XXXX/XXXX/16, one month after filing. i called cavalry portfolio to tell them of the filing and spoke to XXXX supervisors who basically told me " too bad '' and they are not inclined to help me.
Product: Student loan

Back in 2016, I discovered that ex-wife took out multiple loans in my name, without my knowledge, totaling approximately {$XXXX}. Despite reporting this to the Department of Education, the police, banks, and filing an identity theft report, I have been unable to resolve the matter. It is also possible that there are additional loans taken out at other schools that I am not yet aware of. 

I have all relevant reports and email correspondence sent to the colleges where the loans were taken, specifically XXXX XXXX. I can provide these upon request. 

To clarify, issues with XXXX XXXX XXXX  and XXXX XXXX  were resolved by the respective banks in XXXX, but the student loans remain unresolved. Furthermore, according to university policies, it should not be possible to obtain student loans for someone who already holds a XXXX XXXX from a foreign institution. I hold a XXXX degree from a foreign country, which makes me ineligible for financial aid. Despite this, my ex-wife was able to secure both financial aid and student loans using my information without my knowledge. 

I have NEVER attended any schools in the XXXX, either in person or online. This situation has caused me significant financial distress, as my XXXX XXXX has been so low that I can not even apply for a credit card to help with my expenses. The loans were taken out from XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I have tried to contact the schools, but they have refused to give me any information. 

I am also confused about how the colleges allowed another person to obtain these loans in my name without verifying my identity or proof of any degree, such as XXXX XXXX XXXX XXXX 

I am seeking assistance in resolving this issue, as I can not afford an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an agreement with XXXX that they would remove late payments on all closed accounts. Credit reporting agencies refuse to remove late payment information despite being provided with a letter from XXXX asking them to remove. This information gets removed and then reappears.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Debt Collection Contact and Cease Communication Request under 15 U.S.C. 1692c To Whom It May Concern, I am writing to formally dispute the collection actions taken in connection with the alleged debt associated with Account Number XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Acct # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Acct # XXXX Please remove item from my credit report immediately Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, I am exercising my right to limit communication regarding this matter.

According to 15 U.S.C. 1692c, I have the right to request that debt collectors cease communication with me regarding this alleged debt. I hereby request that you immediately cease all communication with me, including but not limited to phone calls, written correspondence, and any other form of contact. Please note that failure to honor this request is a violation of federal law and will be documented for further action if necessary. 
Additionally, I request that you provide verification of the alleged debt, including full details such as the original creditor 's information, the amount owed, and any supporting documentation verifying its accuracy. Until I receive appropriate verification, I will consider this debt to be unsubstantiated. 
Thank you for your attention to this matter. I expect compliance with my request to cease communication, as well as a prompt response with the requested verification of the debt. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove fraudulent / unauthorized inquiry from XXXX XXXX XXXX XXXX on XX/XX/22 off my credit report or provide proof in writing within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act EXPERIAN has violated my rights. 
Account XXXX XXXX XXXX ...., XXXX XXXX XXXX .... 

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. 
I have not authorized anyone in writing.