23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This ongoing failure to address the fraudulent account is not only damaging my credit score but also causing undue stress and hardship. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. It is inconceivable that, despite the gravity of this situation and the clear evidence presented, the fraudulent account has not been promptly removed from my credit report. I am wondering what kind of investigation you are doing when this fraud account still pestering my credit report. I am reporting the account as fraud account and I am an Identity theft victim due I am not aware of its fraudulent activity. I had previously disputed many fraud accounts, and they were proven frauds and removed from my credit report. I am very sure that this account was one those frauds as I dont remember any contract binding with this account!!! 
XXXX XXXX XXXX PLEASE DELETE!!! XXXX and XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable I demand an immediate and thorough investigation into the processing of my dispute and an explanation for the prolonged delay in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Bankruptcy report on my credit report that don't belong to me. I'm reaching out for assistance to XXXX these Bankruptcy report from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had this account since  XXXX   XXXX . I always  ( ALWAYS ) m ade on-line payments through my bank -  XXXX   XXXX  . USAA  always  ( ALWAYS )  accepted these payments until  XXXX   XXXX . In  XXXX   XXXX , they accepted the payments and then unbeknownst to me returned them to my  XXXX   XXXX  checking account. In  XXXX   XXXX , I realized the payments were being returned directly into my  XXXX   XXXX  checking account.  USAA  NEVER reached out to me. Now they have closed my account, and my credit has taken such a big hit I probably can not get a student loan for my daughter 's college tuition. I have complained to  USAA , yet no one really hears what I am saying. They simply think I am in the wrong without looking at the facts. In fact it feels like no one gave me the time of day. I sent them plenty of proof.
Product: Credit reporting or other personal consumer reports

Please check the documents I've sent because I checked my credit report and some inaccurate accounts are showing up. I have no idea why these inaccurate accounts appeared on my credit report but this is making me feel disheartened.
Product: Credit reporting or other personal consumer reports

the account for XXXX XXXX XXXX # XXXX shows a late payment but was never late. It is also marked as CURRENT ; PAID OR PAYING AS AGREED. 

XXXX XXXX XXXX # XXXX was never late. Please update XX/XX/year> to OK.

15 U.S. Code 1681e - Compliance procedures section ( 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: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By Landlord Mitigation Administration in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX Claim # XXXX Amount : {$950.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ( {$3100.00} collection ) and XXXX XXXX XXXX account # 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 an account without my written instructions
Product: Mortgage

When Covid-19 hit I chose to do a Forbearance on my account. The forbearance ended and I began making payments to catch up, and I was told there was not credit report action being taken since I was in forbearance and making payments. On XX/XX/XXXX I called to make a payment of {$1800.00}, which I accidentally had come out of the wrong account, however I called on XX/XX/XXXX to fix it. I was reported as 60 days late on my credit report, which is incorrect based on what the agents have told me. The agents told me on XX/XX/XXXX that I was only 30 days behind and that {$1800.00} would catch me up to being current. I called today to find out why I am being reported to the credit report for being over 60 days late when that is not correct. No one has been able to explain this to me the same way twice, and I have been in a financial hardship with them which was supposed to suppress credit reporting.
Product: Credit reporting or other personal consumer reports

Theres no information being reported to my credit card with XXXX  XXXX ending in XXXX as of XX/XX/year> with experian and XXXX on my XXXX  credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was shared without my permission. This inaccurate credit reporting has resulted in my children suffering homelessness because I can not find housing. My inability to furnish housing for my children for the last two years is a direct result of the credit reporting agencies undermining a banking system that depends on fair and accurate reporting. I did not give these agencies permission to furnish my private personal information.
Product: Debt collection

I purchased a car from XXXX XXXX located in XXXX XXXX XX/XX/2019. I was initially told via XXXX what information to bring and how much down. I brought all required information. My payments are due bi weekly based off my pay date. After getting to the dealership I was asked to pay {$500.00} more down. I was told I can pay it within 10 days. On XX/XX/2019 I made a payment of {$300.00} directly to XXXX XXXX office. That left a balance of {$200.00}. My regular payment of {$210.00} wouldnt be due until XX/XX/2019 and I have a 10 day grace period. On XX/XX/XXXX I received a letter from car financial services saying I owed {$1000.00} by XX/XX/2019. It said I have a past due of {$500.00} and my payment was {$500.00}. I called and said explained my contract says I pay $ XXXX monthly. {$210.00} starting XX/XX/2019 then my next payment of {$210.00} two weeks later. So the person I spoke will pulled my contract and still acted like her contract said something different so I told her I would seek legal assistance so then car financial services said they would t contact me about any payments and send my account back to XXXX XXXX. Since I was having so many mechanical issues with the car and to the point its inoperable at times I requested the remaining {$200.00} be split Into 2 Payments this was agreed upon by XXXX XXXX prior to any communication with Car Financial Services. After speaking with Car Financial Services they still reported false information to my credit report saying my monthly payments are {$1000.00}. My monthly payments are {$420.00} total. Its not even my original due date and Im receiving notices saying Im past due on XX/XX/XXXX. I only owed {$200.00} more on the down payment after already paying {$2800.00}. Also the amount owed on my credit doesnt reflect the {$300.00} I already paid and for some reason my blance is still incorrect.
Product: Debt collection

Acc:XXXX To Whom It May Concern : NATIONAL RECOVERY AGENCY FIRST OFF YOU NEVER SENT ME A LETTER SO I CAN DISPUTE THIS DEBT WITH YOU SO THATS YOUR FIRST VIOLATION ITS up to a XXXX per violation and Im coming for you. This letter is being sent Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am, undeniably, the party you are requesting to pay this debt. I am requesting validation of the date of alleged medical service, the name of the patient, and proof that there is some contractual obligation that is binding on me to pay this debt. Please attach copies of : Any agreement with your client that awards you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY. The term breach of security means, concerning unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account, a copy of any HIPAA authorization. Please also be advised that this letter is not only a formal dispute but a request to cease and desist all collection activities, including reporting of ; or verifying this account on my credit reports. I require compliance with the terms and conditions of this letter within 30 days or a complete withdrawal, in writing, of any claim. In the event of noncompliance, I reserved the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX, and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as in violation of [ name your state ] medical privacy rules. I also, hereby, reserve my right to take private civil action against you to recover damages. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor is reporting that this is account is still open and it should have at least charged off almost 31/2 years ago. The vehicle was totaled out and the insurance paid off everything but the balance that is reporting and continuing to increase and unfairly bringing down my score. They're reporting that I have been 90 days late 19 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  Experian XXXX  All show this info that was no fault of my own
Product: Debt collection

I was contacted by a company called XXXX XXXX XXXX. I was told that there was a court case against me for larceny of property for a XXXX XXXX credit card account that has been closed since XXXX. I was told I needed to send {$500.00} by XXXX on XX/XX/XXXX or there would be a warrant placed for my arrest. I had not received any communication by mail prior to this phone call nor did I receive any other phone calls prior except for a phone call that was placed to me on XX/XX/XXXX which I thought was fraudulent. I also received a call coming from my county courthouse and was told I would need to contact this creditor or I could have a felony charge on my background.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, XXXX, SYNCB/ASHLEY HOMESTORE, 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.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXXXXXX
Product: Mortgage

I was approved for a loan modification with three trial payments. The fourth payment would be my 1st payment of modification which began in XXXX. My payment for XXXX I attempted to make XX/XX/XXXX, but my bank did not honor it so it was returned ; no fault of the mortgage company. I made another payment XXXX XXXX/XXXX which was accepted. I then receive a telephone call from representative XXXX on XX/XX/XXXX to advise that because of the bounced payment I would have to reapply for loan modification. I asked her why she said because the condition of the " trial '' is that I do not miss a payment. I then went on to confirm payment was made and honored with my bank and that as of XXXX I am no longer in " trial '' as now this is it. She said that there is nothing that can be done except me submitting my paperwork all over again to Loss Mitigation in order to prevent it from going to the attorney for foreclosure. I complied via fax and email, but then after reviewing my modification paperwork there was nothing in the correspondence to this effect. As my trial payment was over and now my initial payments began in XXXX so therefore, this should no apply to me. She then went to a " lead '' for confirmation and they confirmed that I was in " trial '' and could not miss a payment. I again became confused because my payment was honored and the representative who took payment failed to provide me with any of this information. Also, the XXXX payment portal is not working as it does not reflect the loan modification. I feel like they are doing everything in their powers to foreclose on my home, when I am doing everything necessary to stay in it. I am a single mother working extremely hard to provide for my family. Granted you are not responsible for the life situations that occur, but since then I have pulled myself up gained new employment and doing everything in my power to make sure I resolve this issue to ensure me or my family aren't faced with this dilemma again. This is extremely stressful, I am losing sleep over this and not eating.
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 also violates ( CFPA ) Consumer Financial Protection Act. Cash App specifically, failed to take timely and effective measures to prevent fraud and address it on their platform leaving me with a vulnerable and unprotected account. Also, their dispute resolution process was very unfair and deceptive, as they did not comply with error resolution requirements under the ( EFTA ) Electric Fund Transfer Act and Regulation E. These actions have caused significant inconveniences and multiple financial losses, so I look to seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act ( US Bankruptcy Court Reference # XXXX ) has violated my rights. 
15 USC 1681 Section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPENT THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRA. On XX/XX/2021, I mailed Equifax, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX Subject : Complaint Regarding Equifax Data Breach and Consumer Protection Dear Sir/Madam, I am writing to file a formal complaint regarding the Equifax data breach that occurred. As a result of this breach, my personal and financial information was compromised, leading to significant concerns about the security of my data and the potential for identity theft and fraud. 

Specifically, I am concerned about the following issues related to the breach : Inadequate Notification : I was not promptly or adequately informed by Equifax about the breach or the steps I should take to protect myself and my credit information. 

Failure to Provide Adequate Monitoring/Protection : Equifax has offered services such as credit monitoring, but [ mention any issues with the services offered, if applicable, such as delays in activation, lack of coverage, or any challenges in receiving support ]. 

Ongoing Impact : The breach has led to LAW 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Vehicle loan or lease

My wife and I entered a contract to purchase a XXXX XXXX XXXX financed by Credit Acceptance ( housed near XXXX, Michigan ) on XX/XX/2018. As of today ( XX/XX/2018 ) we still owe {$27000.00} on the car, it's worth according to XXXX XXXX XXXX as of the same date is nearly {$20000.00} less than what we owe. I believe this contract is unlawful, fraudulent and unconstitutional. I do not believe it is legal to charge people nearly $ XXXX over the course of 5 years for a vehicle that is valued under {$10000.00}. In only five or six short months we have already paid nearly {$3000.00} in monthly payments, never late. These payments are in addition to the {$2500.00} down payment we paid at the time of purchase. We called Credit Acceptance to renegotiate the terms and we were met with rude remarks and disrespect. Surely our original agreement is illegal. There are loan sharking usury laws in place in this country and interest can not be astronomical. Please help. After further investigation it seems that XXXX and XXXX are subject to much higher interest rates on car loans due to discriminatory crediting practices. If my wife and I were a XXXX couple, we would have received a much better deal. This contract is illegal on many grounds and should be revamped or abolished.
Product: Debt collection

I am a veteran fully covered by XXXX  XXXX. This debt does not belong to me.
Product: Mortgage

XXXX XXXX originated my mortgage. They transferred my loan to Wells Fargo AFTER I made a payment. Wells Fargo is not showing that payment as having posted, but I already paid it weeks ago! 

Now I received a letter from Wells saying I have a payment due in only four days, and they aren't answering their phones.
Product: Debt collection

I was emailed them and told the representative that I wasn't available to talk due to I'm at work and my job doesn't allow me to take personal calls. I also notify to to cease and dease contact and they still continue to call me more than 7 times within the 7-day period
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Pa TransUnion, XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX XX/XX/XXXX XXXX To whom it may concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Ace Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Pa XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 Day LATE PAYMENT - XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
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 process 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 financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Product: Debt collection

AMERICAN MEDICAL COLLECTIONS is saying I owe {$1600.00}. I am a XXXX XXXX, XXXX XXXX XXXX Veteran. All of my treatment is received at XXXX XXXX XXXX XXXX XXXX. Additionally, I have XXXX and XXXX XXXX XXXX XXXX. This company is harassing me