23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

[ XXXX ACCT : XXXX ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : * A copy of my Identity Theft Report and proof of my identity.

* A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX : * Identity Theft Report * Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] * Fair Credit Reporting Act Section 605B [ PDF ]
Product: Mortgage

This is the actual letter that I am sending them, I am upset that they continue to tell me that the Mortgage is behind when the mortgage assistance program was utilized so there would not be any mortgage payment in default. 

I have no A/C in this home and have to have a letter stating that the mortgage is current so that the a/c company can finance the a/c unit. 

XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Re : Loan XXXX I spoke with XXXX ID XXXX at Loan Care, on XX/XX/2022 in reference to the loan modification/mortgage assistance, I have a ac unit that has stopped working and in order to have it finaced, the finance company has to have a letter stating that the mortgage is current and up to date. 
I spoke with XXXX and he told me that I owed {$690.00} and the account would be current. 
In XXXX, I signed a new revision for mortgage assistance, notarized and sent back to Loan Care, which brought the note to {$780.00}, I had to file a complaint on Loan Care back then so the new amount due for the loan would reflect on the website instead of XXXX, since XX/XX/2022, I have paid the mortgage amount of {$840.00}, XX/XX/2022, {$840.00}, XX/XX/2022, {$840.00}. It should have read {$780.00} starting on XX/XX/2022. 
I asked XXXX at Loan Care, how can the loan be not current when I signed for mortgage assistance and how can the mortgage be behind, when there was mortgage assistance that paid Loan Care, XXXX could not come up with any answers, basically wanted to argue over this {$690.00} that shows that I still owe, after mortgage assistance paid the loan so it would be current. 

On the website, it reads XX/XX/2022 Next Payment Due {$780.00} Total Scheduled Payment {$100000.00} Current Principal Balance {$30000.00} Year-to-Date Total Payments XX/XX/2022 Last Payment Date {$0.00} Outstanding Late Fee Balance, Please explain how the mortgage shows paid {$30000.00}, balance is {$100000.00}. But I am still not current and up to date in payments. 
There is no Outstanding Late Balance Fee??? Reads XXXX on the Dashboard. 
Did the FHA mortgage assistance pay the Loan Care mortgage the amount of {$30000.00}, leaving the balance of loan at {$100000.00}? 

Why is payment due on XX/XX/2022, when it is already paid????? 

I want answers to these questions???? 

Send a letter to XXXX XXXX XXXX XXXX, XXXX, TX XXXX. 

While I sit here with no A/C and you have the money from the Mortgage Assistance program for the {$30000.00}, I would like some answers!!!!!!! 


Sincerely, XXXX XXXX
Product: Checking or savings account

Ever since a wrongful evection XXXX of XXXX, the merchant known as Direct Express and there employees have been making using my XXXX funds a nightmare. I am unable to use my card as I wish. And I am being subject to dishonest lobbyist and jaded business owners in the community.
Product: Credit reporting or other personal consumer reports

WHILE CONDUCTING SOME RESEARCH INTO MY BACKGROUND FOR MY SECRET CLEARANCE APPLICATION AND ALSO CHECKING INTO POTENTIALLY BUYING A HOME IN THE NEAR FUTURE I LEARNED OF SEVERAL UN AUTHORIZED INQUIRES AND SOME INQUIRIES THAT WERE WRONGFULLY HARD QUERIES. ATTACHED IS A PDF WITH LISTING I'VE CREATED TO INFORM THE CFPB OF INCIDENTS, DATES AND COMPANIES. 

XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : Phone App. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to mortgage XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX, XXXX, XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to auto loan XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : All Banks - non specific XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to personal loan XXXX XXXX Inquired on XX/XX/XXXX XXXX Type : All Banks - non specific XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Not Authorized : soft inquiry was supposed to be conducted : in reference to mortgage XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Possible Stolen Identity : Never conducted the reported inquiry
Product: Debt collection

Company name : Resurgent/ Lvnv Funding. 

issue, this company continues to violate the fair Credit reporting Act and the Fair debit Collection Practice Act.

This Collection company As well as the original creditor received my request to investigate this account as fraud a number of times. The problem is that every time I ask them to conduct a investigation, the credit reporting agency would open the investigation and 10 mins later I would receive a automatic response saying that my request was made in error. 

Everytime that I have to do this, takes away from my original request to have this investigated. 

more then enough information was provided to the company and to the credit reporting agencies to have this fraud account removed months ago. 

I feel that my rights are being walked over on. 

If you look at the screen shot of XXXX, it clearly shows that they are not keeping accurate records with my file. there are multiple names and addresses not mention the employer information shows companies that I have not worked for. 

in addition, XXXX XXXX is trying to collect on this account twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. There has been absolutely no change to my credit activity but it has gone down 19 points. The ONLY thing that has changed is that I have repeatedly said I do not want to purchase a " credit boost '' through Experian. This seems to be a recurring theme with Experian. There is absolutely no reason someone's credit rating at Experian would drop drop 19 points when NOTHING has changed and only when they refuse to purchase what the credit agency is selling. This has been an ongoing theme with others who have refused to purchase Experian items, which, the last time I checked, was illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX and I am aware that my rights have been violated. These accounts have invalid information and these companies refuse to follow the laws. I need help with these accounts being removed from all XXXX of my credit reports. 

In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX DP OF EDUC Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX  XXXX XXXX Account # XXXX Untitled XXXX XXXX Collection/Chargeoff, Medical Subject has not satisfied debt. } Account # XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights 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: Debt collection

Got a collection account on credit that I had no knowledge of and don't know where it came from the address is in XXXX and I don't live their someone stole my identity and this is identity theft
Product: Debt collection

Company is XXXX XXXX. Have disputed debt on credit report and requested validation. Company has continued to report debt on credit reports without providing any communication or responding to requests.
Product: Checking or savings account

I have a brokerage account with Robinhood. This morning ( XXXX ) they sold all my stocks without my permission. No response on any emails. Phone number says email or use app. App automatically closes the ticket. 

Earlier they froze my account so I could not make any transactions anyway and now they just sold all my stocks.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$520.00} XXXX XXXX Balance : {$480.00} XXXX XXXX Balance : {$580.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$89.00} XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} EXPERIAN XXXX XXXX  XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$470.00} XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found a collections account from Uscb Corp, stating that I openen an account with them on XX/XX/2021. And I have never opened an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cant deliver mail to transunion 's dispute address on their website.
Product: Mortgage

On XXXX XXXX, XXXX I filed a Chap. XXXX BK to stop a foreclosure sale on XXXX XXXX, XXXX. At XXXX on XX/XX/XXXX- the day of the foreclosure sale- I received a call from XXXX XXXX XXXX XXXX that there was going to be an emergency hearing at XXXX XXXX one hour before the foreclosure sale ends in XXXX County , Georgia. The subject property had been in a trust set up in XXXX. My brother, XXXX XXXX XXXX is the trustee of the trust, I, XXXX XXXX is the beneficiary and my brother is a licensed attorney in XXXX XXXX, La. The BK Judge set aside the automatic stay around XXXX XXXX  stating that my brother was not licensed to practice law in Georgia. I asked for a continuance or the right to change to a Chap. XXXX. The BK Judge lifted the automatic stay. 
XXXX had taken the subject property off its website earlier in the day on XXXX XXXX. Later at XXXX XXXX the property was put back on the site. I had hired XXXX XXXX to bid on the subject property but was blocked and XXXX even if you bid you still have to go to the courthouse to bid. You can not purchase online in XXXX County, Ga. I also had two men at the courthouse to bid on the property for me. XXXX claims to have " cried out '' the sale at XXXX but no one was even at the courthouse at that time or did not hear the " cry out ''. Under Georgia law this is viewed as " chilled sale '' because it tool place at the end of the day when all the buyers had already gone for the day. The law firm of XXXX XXXX may have a license to practice law but not a license to steal. What makes this case different than all others is I was prepared to bid on the house and had the funds to do so lined up. I had applied some time ago with Wells Fargo for a reverse mortgage and was approved only a few weeks before the closing Wells Fargo decided to get out of the reverse mortgage business. I later was approved 3 more times and Wells Fargo would not accept the proceeds to pay off the loan. Wells Fargo has a manuel it publishes for attorneys which has all kinds of secret codes. I later found out that once a homeowner is 3 years behind in his payments with Wells Fargo they will not modify the loan and only want to foreclose. I had also submitted a loan modification to Wells Fargo only to find out 8 days before the foreclosure sale of XXXX XXXX, XXXX that I was one piece of paper shy ( form 4506 ) from being put in an " active modification '' which would have stopped the foreclosure sale. I got a supervisor with Wells Fargo Home Preservation on the phone and offered to fax the 4506 over but was told it was too late and I was being denied. I feel this is a violation of the FDCPA. I feel I was " wrongfully foreclosded '' as the sale was fixed by highly skilled attorneys intent on taking the property back as an XXXX Property and stealing the house. I have lived in my primary property for 26 years and am XXXX years old and XXXX but still work and have a XXXX XXXX.
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 : XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. 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 maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed 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 ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : 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 have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report, and I noticed that some of the information on my report should not be on my reports and are a violating of the law. The account with Wells Fargo account # XXXX has been closed and removed from my XXXX report due to these violations but XXXX and XXXX have not complied with the laws to remove this account with has violated several laws as well as these credit agencies listed above. The first violation that was committed was the FCRA law 15USC & 1692g. They were to notify me of this in writing 5 days prior, I was never notified as the original creditor, only I can validate this debt. Therefore, the following accounts must be deleted from my reports immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) the following accounts : WELLS FARGO CARD SERVICE, has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 from the accounts that has been charged off written as loss. The collection is now income by IRS law states that income can not be reported as debt. Please remove these accounts from my report this is against the law and is considered tax fraud.
Product: Checking or savings account

On XX/XX/XXXX Pay Pal sent myself a letter to my address on record that a fraudulent account that was opened fraudulently on XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX reference # XXXX with a fraudulent email where the thief rack up {$710.00}. The institution has never asked for any identification to verify that I was the correct person applying for credit violation of the banking laws in american banking and finance industry.. NOW 7 YEARS LATER THE SAME INSTITUTION SENDS ME A LETTER THAT THE BANK IS TRANSFERRING BANKS WITH THE SAME ACCOUNT THAT IS FRAUDULENT WHICH TELLS ME THEY NEVER CANCELLED THAT FRAUDULENT ACCOUNT ALSO NEVER SENT THE REQUIRE DOCUMENTS THAT THAT ACCOUNT WAS CLOSED ALONG WITH THE ADDRESS WHERE THE ACCOUNT ORIGINALLY TAKEN FROM AND WHO DID THE CRIME. AMERICA HAS LAWS AND PROCEDURES TO DO BANKING AND IT LOOKS AS IF THIS BILL ME LATER COMPANY HAS NO REGARD AS TO MY FRAUD ALERT ON ALL 3 CREDIT BUREAUS AND PROCEDURES TO HOW TO HANDLE FRAUDULENT ACCOUNTS THRU OUT THE USA. THIS IS A GROSS VIOLATION OF BANKING AND FINANCE LAWS TO IGNORE FRAUDULENT ACTIVITY WITH APPLICATION THAT A THIEF USED MY PERSONAL ID FOR FRAUDULENT ACTIVITY THIS IS THE 8TH TIME WHICH I BELIEVE ITS THE SAME INDIVIDUAL THAT ALSO TRIED TO STEAL MY TAX RETURN IN XXXX TAX YEAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies continues to report fraudulent information associated with a fraudulent address I never lived at, of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. This is the address they use to falsely claim the listed fraudulent items are factual. Police reports confirm and validate the noted address as fraudulent. Thus, all accounts listed and associated to that address should be removed. These items include : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX *Inquire - XXXX XXXX XXXXXX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX  XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX *Inquire - XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX *Inquire XXXX XXXX XXXX XX/XX/XXXX *Account - XXXX XXXX XX/XX/XXXX ( XXXX ) Associated with fraudulent po box
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempt to resolve this issue with XXXX. 100s of phone calls literally and I am ready to seek legal counsel on this. 

I settled an account with XXXX on XX/XX/XXXX. To date I am struggling to have the correct status reflected settled and closed. 

After months of struggle, XXXX is finally reporting settled XX/XX/XXXX and closed. XXXX and XXXX   are still showing DEROGATORY status and no closed date. In fact there is an " N '' for negative on XX/XX/XXXX in both bureaus. 

This is affecting my ability to seek home equity loan. I have put into this 5 months. I have been patient. These people do not care. Beyond taking the settlement they do not care to meet their end of the bargain, to report correctly.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I submitted a XXXX payment through Cash App to my mother 's gardener. On the following morning, the gardener informed me that he no longer had access to this account. I immediately attempted to cancel the transaction, and sent another payment of XXXX to his new account. I contacted Cash App Support, and I was told that the recipient must reverse the payment. I explained that the recipient no longer had access to the account, therefore, he was not able to reverse the payment. The recipient contacted Cash App, and explained that he no longer had access to the old account. Also, he provided the new Cash App account information, however, Cash App refused to refund the 1st payment. So, in essence Cash App kept the 1st payment. I have tried repeatedly to explain this to Cash App Support Staff, but have not received any positive response. 

The recipient also contacted Cash App per their instructions, and explained the above situation. Cash App remained firm, and refused to return the funds. 
It appears that Cash App has no regard for the little guy. This is a minute amount of money for this company. I have dealt with multiple representatives, but have not been able to resolve this issue. I am seeking your help to resolve this issue, and receive my refund. Thank you in advance.