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

On XX/XX/XXXX I was notified by Parkside Lending who originated my loan on XX/XX/XXXX for the purchase of my first home via phone call that there was a problem with one of  the dates on the paperwork. During this phone call I was told the following : That all the documents were the same that only the dates were different. I was asked to get them signed as soon as possible for my best interest. Before I received the packet I was notified by XXXX XXXX that my credit had been pulled and had a hard inquiry. When I received the email with the new application document I noticed that it was marked refinance. My marital status was incorrect, I was changed to a floating rate, my income was also changed, and a new loan number was issued. Since that time, I have been notified many times by Parkside Lendings over the last 45 days from the mortgage bankers personal cellphone after hours in the attempt to get me to resign the new documents. He told me in several different ways that it would be in my best interest to sign the new documents. I had made my first mortgage payment on XX/XX/XXXX and it was not applied until approx 10 days after making it. It appeared they were holding it as they tried to get me to sign new loan documents. 

There have been many conversations since the XX/XX/XXXX with the following employees of Parkside. 

XXXX XXXX - Loan Officer XXXX XXXX - Area Manager I've been told that my loan was closed a day earlier than TRID allows and that is why they are trying to originate a new loan as my loan is not saleable to HUD. 
This situation has been handled unprofessionally by the lender and those involved. It has been extremely stressful with concerns that I am going to lose my home. I've contacted an attorney and was advised not to sign anything. I've told XXXX XXXX that I am not interested in refinancing and he continues to harass me. 

I have my original loan documents, the closing package and the new loan documents in paper form if needed. Please notify me if copies of these docs should be forwarded.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX have fraudulent accounts on my credit profile that need to be removed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX apt XXXX XXXX. California XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, AL XX/XX/year> Re Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This letter is regarding account listed above, which you claim is a collection that I have with your company. This is a formal notice that your claim is disputed. 

XXXX requesting validation, made pursuant to the Fair Debt Collection Practices Ack Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 

Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and Equifax ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims.

10 Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

duty pursuant to the FCRA, it is EQUIFAX to be reporting correct and accurate information on my credit report and file, however they are NOT. EQUIFAX is reporting XXXX inaccurate late payments for the XXXX XXXX XXXX XXXX  XXXX XXXX account ending in XXXX. These include a 30 day late payment posted in XX/XX/XXXX and a 60 day late payment posted in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to XXXX XXXX. XXXX ( a ) ( XXXX ) ( a ) Information excluded from consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make a consumer report containing any of the following items of information : ( XXXX ) Any other adverse item information, other than records of convicitions of crimes which antedates the report by more than XXXX years. Here Adverse items are delinquent items. I have already contacted EQUIFAX XXXX times via letter correspondence and EQUIFAX failed to correct the item as PAID as AGREED. I have also asked EQUIFAX to provide me with method of verification and EQUIFAX failed to provide method of verification. Furthermore pursuant to XXXX C.F.R. XXXX ( g ) and ( h ) ( of Regulation P ) I want to opt out of sharing my information and revoke verbal, non-verbal, written, implied, etc. consent EQUIFAX XXXX have had to share that information.
Product: Checking or savings account

I have had an account with XXXX ( Net Spend ) for over 5 years I have my SS and pension benefits auto deposited, of XXXX.I put my son on the account, when he went to get a new Drivers License they they would only issue it with the name on his Birth Certificate which is XXXX, I went on line to order him a new card in XXXX XXXX instead of XXXX, sent them all his legal Documents, they sent a new one in XXXX, On my records from my acct it said new card XXXX XXXX PENDING it was never activated nor used, I tried 3x's.This year when my son had his tax 's done they put them in my acct I recieved a text message saying there was a problem with a deposit, I called them and resent all his legal papers stating he was a Shull, I told them that prior to this I tried getting a card in his name but nothing ever showed up, Well the IRS, and Social Security also told XXXX XXXX there was No Fraud , I had a very rude supervisior that insisted it was fraud and they closed my acct, I was told that only my son would be taken off well they shut me down and said they were sending me a check. so all my debits and auto deposits are being returned.This is such an injustice I'm beyond upset!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Equifax has been blank and they keep saying it will refresh but it never has. I called again and was told someone will email me still no email.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE LISTED ACCOUNTS THAT I'M DISPUTING DOES NOT BELONG TO ME. PLEASE RE-INVESTIGATE AND HAVE THOSE NEGATIVE ITEMS OFF MY CREDIT FILE.
Product: Credit reporting or other personal consumer reports

I respectfully request that the CFPB investigate this matter and take the necessary steps to ensure that XXXX and XXXX XXXX XXXX are held accountable for its improper actions. I am also requesting the following actions : XXXX. XXXX and XXXX XXXX XXXX cease all unauthorized access to my credit report. 
XXXX. The removal of any late payments or inquiries that resulted from the unauthorized access. 
XXXX. Compensation for damages as deemed appropriate under 15 U.S.C. 1681n or 1681o for negligent or willful noncompliance with the FCRA. 

Please inform me of the outcome of your investigation and any actions taken against XXXX and XXXX XXXX XXXX. Should you need further information or documentation from me, I am happy to provide it.
Product: Credit card or prepaid card

I learned on XX/XX/XXXX that my Macy 's store card had over {$8000.00} in charges from a phone call from their billing department that my bill is past due and over the limit. I was outraged, I had not used my card in over 4 years at this point and it had a XXXX  balance. I explained to them that I had not received any bills via mail or email. I immediately asked to be transferred to their fraud department. I spent the next 2 weeks talking with different people in their fraud department. It was told to me that someone had been making minimum payments and had changed all the information on the account. They would not tell me anymore information!! I filled out every form they sent me and faxed back. I could even prove I was in a different part of the country when these charges were taken place. I even explained to them that I only used the card to make in-store purchases at Macy 's, all these are charges being told to me were everywhere but Macy 's ( the card was backed my American Express ). Macy 's Fraud department asked me to get a police report. They were supposed to send me a copy of the charges from the time we determined I had no longer used the card so I could use that for getting said Police report. ( still waiting for the copies as of XX/XX/XXXX ) On my last call they asked if anyone had been authorized to use my card, I said my wife was when I first opened the card and I had removed her since I had stopped using the card. They told me that was in there system ( Notated previously ). I called back and their department had been shut down due to Covid 19 in XX/XX/XXXX. I called back and was still getting transferred to other departments because the fraud department was still not online. I want to say end of XXXX or beginning of XXXX I received a phone call from Citi bank who was trying to secure this Debt for Macy 's. I proceeded and told them this was all fraudulent charges and I had been speaking to Macy 's fraud department. Every time I called Macy 's to try and talk to someone I was transferred directly to Citi Bank collections. Fast Forward to XX/XX/XXXX, I received a letter from another collections company about this same debt. I called the number on the letter and talked to the person on the other end explaining to them about this whole situation. The first week in XX/XX/XXXX, I received a letter from Macy 's saying my fraud claim had been denied and I am liable for all charges.
Product: Credit reporting or other personal consumer reports

Account name : XXXX Account number : XXXX Account charged off. {$460.00} written off. 

Account name : XXXX Account number : XXXX Account charged off. {$990.00} written off. 

Exact wording used when disputing with XXXX : " These XXXX are charged off accounts, if this account was indeed charged off. I did not receive a copy of a 1099c from the creditor. They received a tax write off and this debt should not be reported on my profile. Send me any forms are documents showing that you have the right to report this as debt, if you can not REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY. " Steps I took : Asked creditor to send me any forms are documents showing that you have the right to report this as debt, if you can not REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I disputed the debt and received no communication from Harvest showing the debt was valid or if I actually had an account. I sent a letter to Harvest along with an affidavit of truth swearing under the penalty of perjury that I never gave Harvest permission to report on my consumer report or have access to my sensitive non public personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX is furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 



As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate. 
15 USC 1681 s-2 Says Experian, XXXX and XXXX is a furnisher of information to a consumer reporting agency. 
Experian, XXXX and XXXX IS PROHIBITED BY LAW to furnish inaccurate information. I demand Experian, XXXX and XXXX to Cease and Desist the reporting of incorrect/ in accurate information immediately. 

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information 1. Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My husband died on  XX/XX/XXXX . As soon as my husband past away the government ceased his military pay. I could no longer continue to pay on this account. I only had enough money to pay my house and utilities. I was diagnosed with   XXXX   XXXX   in  XXXX , and I was still grieving the loss of my husband. I had been   XXXX   free for 10 years, but when I my husband died the   XXXX   came back due to grief. And it was more grief when I no longer could pay on my credit card account. I am on a fixed income and i still ca n't pay it. Collection agencies will cease collection efforts if the person can explain their financial hardship. Well with the government taking away my husband military pay has caused me a severe hardship. My credit should n't be ruined because of my husbands death which has put me in a tight spot.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've called Experian numerous times for these credit inquiries to be removed and I ca n't get through I call at XXXX and the operator says the office is closed. I tried, and tried and tried, but there is no direct number to speak to a fraud specialist pertain to credit inquiries. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX I ca n't into to see the investigation after they send me an email. It locks me out. 
Says I entered wrong information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a letter to TransUnion asking them for the method of verification they used to verify the bankruptcy they have on my credit report. 

On XX/XX/21 TransUnion replied that the bankruptcy was " verified as accurate '' without providing any method of how they actually verifired this information. 

On XX/XX/21 I sent a follow up letter asking for documents and methods used to verify this alleged bankruptcy. On XX/XX/21 they replied the information was verified through USBK Court XXXX XXXX. 

On XX/XX/21 I sent a follow up letter with two inclosed statements from the USBK Court stating they DO NOT report to the credit bureaus or any 3rd party reporting agencies. This means the information could not have been properly verified and needs to be deleted from my credit report. 

On XX/XX/21 TransUnion replied again stating the information was " verified as accurate '' through the USBK Court XXXX XXXX 

On XX/XX/21 I sent a third follow up letter, again with supporting documents directly from the USBK Court stating they do not report to any credit bureaus and demanded that this UNVERIFIED bankruptcy be deleted from my file within 30 days in compliance with the FCRA laws. 

On XX/XX/21 TransUnion sent me the same letter again claiming the information was verified through the USBK Court.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b ) accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681i ( 5 ) treatment of inaccurate or unverifiable information in general if any re-investigation under paragraph ( 1 ) of any information dispute by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - promptly delete that item of information from the file of the consumer or modify that item information, as appropriate, based on the results of the investigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report immediately XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA 605B ( 15 U.S.C. 1681c-2 ) states, A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This consumer reporting agency has not complied with the federal law, and therefore are in violation of the federal law.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number:XXXX, Consumer Date Of Birth:XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant FCRA 605B ( 15 U.S.C 1681c-2 ) that XXXX, XXXX and Experian credit reporting agencies, block information from appearing on my consumer credit reports that is a result of identity theft and fraud within 4 business days of you receiving this complaint. These separate fraudulent charge-offs, collections and inquiries on my consumer FICO credit report which I did not give my written permission to furnish information on my consumer reports. I was not warned before any transaction that I would be creating credit with a wet ink signature and I did not receive my 3 discosures pursuant FCRA Gramm leach Bliley ACT ( 15 U.S.C 6802a, which includes the option to opt-out of information being furnished to my consumer report. which proves these accounts is reporting fraudulently and committing identity theft. 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/year> and every address on my consumer report except XXXX XXXX XXXX, XXXX tx XXXX all these entries violates FCRA and FDCPA. Im requesting deletion in Good In Good Faith All rights Reserved These inaccurate and false information being furnished I do not recognize the aforementioned accounts, collections or hard inquiries as reported. These fraudulent entries thats appearing on my consumer report that is maintained by you were not opened, made or initiated by me and pursuant to FCRA 605b I did not give my written or verbal permissible purpose to do so. ALL of the aforementioned entries is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned entries listed above are the result of identity theft and fraud. Failure to rectify this situation within 4 days will be the result of willfull non compliance pursuant FCRA ( 15 U.S.C 1681o ). Done In Good Faith-All Rights Reserved-Whithout Prejudice-Non Assumpsit.
Product: Credit reporting or other personal consumer reports

These are the accounts I mark as inaccurate, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Debt collection

There is an account in my file as authorized person. I did not authorized this in my file and did not know who did. 
Capitalone XXXX XXXXXXXX XXXX XXXX XXXX, UT XXXX XXXX # XXXX
Product: Credit reporting

I have ( XXXX ) credit card entries from XXXX XXXX that I have no knowledge of. After applying for an auto loan a few months ago I discovered the inaccurate listings. I disputed them with the credit bureaus and they came back verified. I sent a certified letter to XXXX XXXX requesting an investigation. It has been over 45 days and I have not received anything back from XXXX XXXX. No signed contract, itemization of charges or any relevant or sufficient proof that gives them the right to collect on this debt or damage my credit rating. Under the FCRA and FDCPA this negligence is a clear violation. They being the original creditor have to right to verify anything but to only investigate my claim. Without proper records to indicate these accounts were indeed open by me by law they can not report the info to the credit bureaus. the following accounts are fraudulent. Account # XXXX with a balance of {$690.00} opened XXXX and Account # XXXX with a balance of {$570.00} opened XXXX/XXXX/11.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX Balance : {$19000.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$74000.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX  XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$25000.00} ; FA XXXX XXXX XXXX : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX CAPITAL ) XXXX Balance : {$71000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX FS XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer service and fair practices, which violate the consumers financial protection act ( CFPA ). Specifically, cash app failed to take timely effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, they dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the electronic funds transfer act ( EFTA ) and regulation E. these actions have caused the significant inconvenience and financial loss and I see appropriate redress for these violations.