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

1. XX/XX/year> TransUnion reinserted the deleted account onto my credit report. ( evidence uploaded ) 2. XX/XX/year> XXXX XXXXXXXX acknowledges my identity theft dispute in response to a Consumer Financial Protection Bureau ( CFPB ) complaint. ( evidence uploaded ) If XXXX XXXX was still investigating my identity theft claim on XX/XX/year> they could not have verified the debt to TransUnion before then on XX/XX/year>. 

Reinsertion without verification : TransUnion has violated the FCRA ( 611 ( a ) ( 5 ) ( B ) ) by re-reporting a previously deleted account without notifying me in writing. 
TransUnion verified a fraudulent debt before XXXX XXXX completed its own investigation, which is a violation of FCRA 623 ( a ) ( 1 ) ( furnishing inaccurate information ). 
Possible fraud : If XXXX XXXX told the CFPB it wasnt reporting the account but allowed TransUnion to reinsert it, thats deceptive and could be unfair business practices under CFPB regulations. 

I am formally disputing the fraudulent reinsertion of an account on my credit report. The following violations have occurred : 1. FCRA Violations by TransUnion : Unauthorized Reinsertion of a Deleted Account ( 611 ( a ) ( 5 ) ( B ) ) : My credit report previously had this account removed, yet it was reinserted on XX/XX/year>, without proper written notice. 

Reporting of an Inaccurate Account ( 623 ( a ) ( 1 ) ) : The account in question resulted from identity theft, and XXXX XXXX own correspondence ( dated XX/XX/year> ) confirms they were still investigating. Thus, they could not have properly verified the debt prior to this date. 

2. FCRA & FDCPA Violations by XXXX XXXXXXXX : Failure to Properly Investigate Identity Theft ( 605B, 611 ( a ) ) : Despite my identity theft claim, XXXX XXXXXXXX reported this fraudulent account before completing their investigation, as evidenced by their XX/XX/XXXX letter. 
Furnishing False Information to a Credit Bureau ( 623 ( a ) ( 1 ) ) : XXXX XXXXXXXX provided inaccurate or unverified information to TransUnion, harming my credit. 
Deceptive & Unfair Practices ( CFPB Regulations ) : XXXX XXXXXXXX told me and the CFPB that they were not reporting this account, yet it appeared on my credit file. This is deceptive and could warrant further legal action. 

Requested Resolution:1. Immediately delete the fraudulent XXXX XXXX account from my credit report. 
2. Provide written confirmation that the account will not be reinserted. 
3. XXXX XXXX must provide documentation showing how they verified the account before XX/XX/XXXX, or formally acknowledge the reporting was in error. 
4. If these requests are not met within 15 days, I will escalate this matter to the FTC, and my state attorney general, as well as explore legal options for damages under the FCRA and FDCPA. 

This letter serves as official notice of FCRA and FDCPA violations. If corrective action is not taken, I am prepared to take further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. After review, this account does not belong to me. I was only an employee for this business and was not an owner or managing member of the organization involved with this account. This information was incorrectly added to my credit report.
Product: Credit reporting or other personal consumer reports

Please remove all inaccurate personal information off my credit report, old address, old names old phone numbers and old drivers license and old jobs because those jobs would be inaccurate as well thank you My address XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Please delete old drivers license from XXXX XXXX Attached is a notarized letter from landlord Respectfully
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXXXXXX 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. 
XXXXXXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX  XXXX XXXX  : {$3000.00} ; XXXX XXXX  XXXX XXXX  : {$0.00} ; XXXX XXXX XXXX  : {$0.00} ; XXXX ( Original Creditor : XXXX AT T ) XXXX XXXX  : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1400.00} ; XXXX  XXXX ( XXXX XXXX : XXXX XXXX  ) XXXX XXXX  : {$1900.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX XXXX  : {$750.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX  : {$420.00} ; XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My second time having to dispute this account : XXXX XXXX XXXXXXXX XXXX XXXX XXXX that is currently reporting to my credit report is is holding up the process of me buying a new home. The account is FRAUDULENT and UNAUTHORIZED. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809. demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received information from another creditor whom denied me an extension of credit due to a negative entry on my credit report placed by Plus Four. After receiving the notice via mail from the creditor, they referenced XXXX  as the provider of data. I pulled my XXXX  report to find Plus Four had placed a negative entry on my credit file which also appeared on my XXXX  file. I sent a debt validation letter to Plus Four dated XX/XX/2017 via USPS Certified mail with Return Receipt. Plus Four received the debt validation letter as evidenced by the signed Return Receipt I received back from post office. Although Plus Four never provided a response to my request for debt validation via mail nor phone, they removed the negative entry from my XXXX  file but did not remove the negative entry from my XXXX  file. Due to Plus Four 's failure to validate the debt as requested and their refusal to respond in an appropriate time frame, I am requesting immediate removal of this negative entry from my credit file as I am entitled to receive under the Fair Debt Collection Practices Act. Prompt attention to this request is appreciated.
Product: Debt collection

The debt does not belong to me. Please remove from my credit report.
Product: Credit card or prepaid card

I paid my full amount due on XX/XX/XXXX to my Indigo Mastercard, no late payment, the payment is posted, bothe on the card and from my checking account, but I have no available credit through the card yet. The website says payments posted take 24 hours and they said it will take up to 14 business days for my credit to be available.

I have other credit cards and they post within 2 days at most.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the credit bureaus but they have not investigated about my case. I have inquiries that I didn't authorized and negative accounts that should not be there.
Product: Mortgage

My mortgage account was recently transferred to Flagstar Bank ( acct XXXX ). I received a notice that my escrow account was short and that my payment will increase by {$150.00}. I called and spoke to a customer service rep with Flagstar and was informed that its their policy to have a cushion of 2 months for taxes and insurance. I am aware that according to 1024.17 ( c ) it states that the servicer " may '' require the borrower to pay additional monthly deposits or do nothing. " May '' is the key term meaning that the servicer can be consumer friendly or not. By allowing my mortgage payment to increase XXXX XXXX  monthly could potentially put me in a delinquent status which could cause other issues that I do not want to incur.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Mortgage

They did not send me my full escrow balance after I refinanced, they literally sent me a check for XXXX bucks, when I had {$5000.00} in my escrow account. According to my Amerihome account, they sent me the full escrow, which they did not. Secondly, they deducted a {$200.00} mortgage premium payment AFTER the loan was paid off. So, they actually owe me {$5200.00}, because they already deducted XXXX premium in XXXX and the mortgage premium for XXXX was already paid at closing. Of course, they don't even have anyone I can speak with regarding this matter, their reps insist that I send an email, which I did, however they literally take 30 days to respond to them. Therefore, it will be quicker for me to take this up in small claims court, which I will do if this full check in not in my possession by the end of this week. I have uploaded a screenshot of my escrow balance, as well as the check they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled all 3 bureaus reports and asked for validation or verification on the bankruptcy listed in my public record and each one came back as verified without any documentation or written proof. After I froze my account with XXXX XXXX ( completed XX/XX/XXXX ) to whom supply my information, I then proceeded to re-dispute with the bureaus. Again same results verified yet no proof although at this point account frozen so impossible to verify. My next step was to address the courts about the matter ( completed XX/XX/XXXX ) which stated that they use a particular system that did not involve the verified parties. enclosed are the letter from the courts and XXXX XXXX showing my account being frozen yet account being verified after that date recorded date. so my privacy have been violated by the involuntary disbursement and usage of my personal information including social security number. parties involved Transunion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX
Product: Mortgage

Over the last seven years we have tried to work with our mortgage servicers, ( Nationstar ) to attain a permitted modification. We are victims of abusive loan practices. All of the modifications that we attempted from Nationstar were 2 % interest only and reverted back to the original terms of the loan 's interest rate of 8.350 % ( see attached ). Due to the crash of the housing market, our home was upside down and our servicers were not willing to make any reduction in principle balance, or forgiveness of fee and penalties. We were informed that private investors owned our loan and that they were not held to the same standards as commercial investors. We have hired attorneys to represent us in finalizing a permanent modification change. We knew that our loan was through XXXX XXXX. ( XXXX XXXX were no longer in business ) With that being said, our attorney would say that our loan was through XXXX or XXXX XXXX XXXX. We hired the XXXX XXXX Firm. We paid the XXXX XXXX XXXX {$3500.00}. They closed down. Once again we were offered in home modification with Nationstar, interest only 2 %. Next we hired Preferred Law in XXXX 2015, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. We paid them {$3900.00}. They were able to get XXXX different modifications XXXX Modification required a good faith payment of {$5800.00} and monthly payments of {$2300.00}. After two years, XXXX modifications would revert back to the rate of the original loan./ XXXX Modification required a good faith payment of {$11000.00} and monthly payment of {$2700.00}. The last Law Firm we hired was XXXX XXXX. XXXX claimed to sue the servicer Nationstar. We paid them {$7000.00}. ( XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX ) ). I have receipts verifying payments that were made to the different law firms. The first two years of the loan, payments were made on time each month. After the first year of our loan, I applied to refinance. I was denied twice, having a credit score of XXXX. After the first year of the loan we paid {$55000.00} in interest only. We were faced with a financial hardship and need help with modifying our loan. And it has been a down hill spiral ever since. We would like your assistance investigating Nationstar ethical practices of servicing home loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

you do not have the lawful authorization to share disseminate distribute and publicly display private information without proper authorization which is granted by me signing and you having on file and record, the SSA-89 OMB NO XXXX Delete the accounts listed or i will seek law suit, unless you can prove to have the beforementioned form on file from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I am disputing the account XXXX XXXX XXXX XXXX XXXXXXXX. I have received a copy of my consumer report, i noticed late payments posted on my consumer report In reference to above account. Your company is in clear violation of the law by posting late payments. THE FAIR CREDIT REPORTING ACT 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete all late payments from the above account. I do not consent to e-oscar or any automated means of verification.
Product: Credit reporting or other personal consumer reports

I haven't seen any positive changes in my credit reports recently. Once again, I find myself a victim of the negligence of Credit Bureaus. I hereby reiterate my request for the deletion of remaining items from my credit file, which resulted from fraudulent activity. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to expunge any such items no later than XXXX business days following XX/XX/XXXX. This issue has been previously brought to your attention in an FTC report and complaint, and I am referencing it again with the new FTC Report # XXXX. Additionally, the details associated with these items are unfamiliar to me and have already been removed by other bureaus, which casts doubt on their accuracy. This complaint serves as a formal notice that failure to remove the specified items from my reports may compel me to initiate legal action. My attorney has been informed of my intentions and is prepared to pursue accountability for any deliberate non-compliance. This message constitutes my latest notice to you, requesting the removal of items linked to alleged fraudulent activity. 
XXXX : XXXX XXXX XXXX XXXX, KY XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$6500.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX ) XXXX {$6500.00} XXXX XXXX XXXX XXXX XXXXXXXX ( Original creditor XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXXXXXX, KY XXXX XXXX  XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My rights under 15 USC 1681 have been violated by Transunion. I made several attempts in the past to remind you of your duty pursuant 15 USC 1681 & 15 USC 1681e ( b ). You are intentionally and willfully being neglectful in remedying my affairs. I am due & promised accuracy in my report based on federal law. I also have the right to privacy, and I did not give Transunion written permissions to furnish the XXXX XXXX XXXX XXXX XXXX accounts.
Product: Credit reporting or other personal consumer reports

Dear XXXX, I have reviewed my consumer reports and noticed an alleged late payment has been reported. I am writing to address this inaccurate and incomplete information, as I believe this late payment was incorrectly reported. 
Failure to Comply with the FCRA and TILA Under 15 U.S.C. 1666b, a creditor is prohibited from reporting a payment as late unless specific procedures are followed, including : The periodic statement must be sent to the consumer with all required information under 15 U.S.C. 1637 ( b ).

The statement must be mailed or delivered to the consumer no later than 21 days before the payment due date.

I request that you provide proof of compliance with these requirements, including : 1. Proof that the periodic statement was sent to me, including any tracking numbers for mail delivery or email receipt.

2. Confirmation that all required information under 15 U.S.C. 1637 ( b ) was included in the statement.

3. Evidence that the statement was mailed or delivered at least 21 days before the payment due date.

Without this evidence, the creditor can not lawfully report a payment as late.

Accuracy of Information - 15 U.S.C. 1681 ( e ) and 15 U.S.C. 1681s-2 ( 7 ) Under 15 U.S.C. 1681 ( e ), when preparing a consumer report, a consumer reporting agency must follow reasonable procedures to ensure the maximum possible accuracy of the information being reported.

In addition, 15 U.S.C. 1681s-2 ( 7 ) requires that the furnisher of negative information must provide specific notices to the consumer reporting agencies before reporting negative information. I request that you provide evidence that the furnisher of the alleged late payment followed these procedures before the information was reported to my consumer report.

Request for Deletion If you are unable to provide the necessary proof of compliance with 15 U.S.C. 1666b, 15 U.S.C. 1681 ( e ), and 15 U.S.C. 1681s-2 ( 7 ), I request that you delete the following alleged late payments from my consumer reports : Chicago Post Office Employees Credit Union I expect that you will fully investigate this matter and provide a response within the time frame required by law.

Sincerely, Kristopher Spann
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ACCOUNT # XXXX INACCURACIES ON MY CREDIT REPORT ARE HIGHLIGHTED!! 
HIGH BALANCE, DISPUTE STATUS, DATE OF LAST ACTIVE, DATE OPENED, LAST PAYMENT ARE ALL DIFFERENT.. ACCORDING TO FCRA THAT ITS BUREAUS RESPONSIBILITY TO REPORT ACCURATE AND CONSISTENT REPORTING OTHERWISE DELETE IT OR FACE XXXX FINE PER VIOLATION. 

( 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
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I would like to file a report against XXXX XXXX and the Cash app operated by XXXX XXXX for cybercrime, harassment, and life-threatening activities. XXXX XXXX is a hacker who uses anonymous business names, different websites, and email addresses to sell exam hacking, XXXX  hacking, XXXX text message hacking, and XXXX record removal on XXXX, XXXX, XXXX, and XXXX. XXXX XXXX phone number is XXXX. XXXX XXXX has many email addresses, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX XXXX operates a websiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, to sell his hacking software. XXXX XXXX had worked as an IT support for many social media and exam software companies before and stole exam decryption software from his former employers. XXXX XXXX asked people to pay him through scanned copies of XXXX gift cards or bitcoins and threatened people to pay him and avoid his cybercrime liabilities ; otherwise, he would report them to the local police departments, their schools, testing agencies, and spouses and expose their personal information online. 

On XX/XX/XXXX, at XXXXXXXX XXXX, I paid XXXX XXXX {$990.00} through bitcoins on the Cash app and {$3.00} in service fees for this transaction. The identifier ID is # XXXX. The transaction ID is XXXX. I texted and called Cash App customer support to report this scammer on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. However, the customer support representative told me that Cash App is not able to stop the transaction and can not provide me with any refund. I also explained that I would like to report his scammer, and the customer support representative told me that Cash App is not able to identify the name and contact information of the recipient of the bitcoins. I know Cash App requires all users to provide an individuals name, social security number, and debit card information to register an account. XXXX XXXX informed me that the software did not work and asked me to email him the scanned copies of {$2000.00} worth of XXXX gift cards and the receipts on XXXX XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX, XXXX XXXX emailed me through a XXXX account, XXXX, threatened me, and asked me to pay him with bitcoins. On XX/XX/XXXX, XXXX XXXX, XXXX XXXX emailed me through a XXXX account, XXXX, threatened me, and asked me to pay him with bitcoins again. 

Please help me contact Block , Inc. for a refund of the full amount. If you need me to provide more information, please call me at XXXX or email me at XXXX.