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

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA these accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

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

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following items immediately : XXXX XXXX DE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021
Product: Debt collection

XXXX said I owe them {$410.00} and {$400.00}. I do not recognize this accounts. XXXX has two collections on my accounts.

I am requesting that you provide verification of this two collections you have on my account.

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 


Verification that there is a valid basis for claiming I am required to pay the current amount owed. 
Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. 


Whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address, and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

Sincerely, XXXX XXXX XXXX
Product: Consumer Loan

I took out a personal loan from XXXX XXXX when I was in my XXXX program back XX/XX/XXXX. this was not a school loan because it was used for incidentals, like food and rent to tide me over until I got a job, after I had received my student loan and my classes were already paid for. Well I filed bankruptcy and added this loan XX/XX/XXXX. The debtor kept calling me and sallie mae changed to navient and then navient sent the loan to collection agency XXXX XXXX XXXX. Well at first I thought that it was a federal school loan because they insisted that it was. but when I consolidated my loans they stated that this was not a federal student loan so it could not be consolidated. They had been harassing me every day and I stopped paying because I contacted my legal services and they said that these privatized loans are not student loans but some unscrupulous lenders try and collect after bankruptcy. I gave them the chapter XXXX bankruptcy and discharge papers ; yet they are still harassing me.
Product: Debt collection

Car was repossessed from XXXX XXXX at the time that It was getting repaired by XXXX XXXX. I no longer have possession of car anymore. In the time period that car was getting repaired Us auto sales went into bankruptcy and forwarded collections to Westlake Portfolio the car was covered by warranty but instead of getting fixed it was repossessed with good standing.
Product: Mortgage

I have been in foreclosure since XXXX first with XXXX XXXX XXXX, where i sent a payment in and the XXXX XXXX XXXX sent payment back and this is how I started foreclosure, due to myself having XXXX XXXX XXXX.at the time i had gotten sick we had no health ins had to buy XXXX well its a no brainer the XXXX hlth Ins came before the Mrtg. 
Anyhow now XXXX XXXX XXXX sold the Mrtg to Capitol One Bank I 've been trying to work a modification, with them.My house was set for sheriff sale on 4 different occasions and the last date was XXXX XXXX XXXX. When I called bank they told me my house sold I spoke to XXXX different people, XXXX XXXX, XXXX.After speaking to XXXX I asked for Banks Lawyers number and Lawyer had told me sheriff sale was canceled by them on XXXX XXXX. I called Bank asking to speak to XXXX who is in charge of the Packet she never phoned us or a letter was never sent telling me my package was dropped., I told the bank this, no letter ever sent. Well on XXXX XXXX they had a letter over nighted by XXXX post marked for XXXX XXXX XXXX the letter was dated on top with the Banks letter head XX/XX/XXXX.The letter stated my house was up for foreclosure sheriff sale and canceled because of incomplete package and up for sale, but no date of sale on letter.So what i am trying to say is this Bank is changing dates post marking not sending and not informing us properly to give us the chance to get our paperwork in on time.Please any help I can get to save my house, would be greatly appreciated, or to get the Bank to work properly and fairly with us as customers. 
Thank You Sincerly XXXX and XXXX XXXX and XXXX XXXX my cell # XXXX XXXX XXXX XXXX Capitol One Bank Loan # XXXX
Product: Credit card

My name is XXXX XXXX XXXX, I am writing to delete the following information in my file. The items I need deleted are listed in this report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I have also enclosed copies of Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USED MY PERSONAL INFORMATION TO STEAL MY IDENTITY AND OPEN FRAUDULENT ACCOUNTS WITHOUT MY CONSENT AND KNOWLEDGE THEY ALSO FILLED OUT SEVERAL FRAUDULENT APPLICATIONSI am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX CRAS. On XX/XX/2020, 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act .The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under USC 1681 : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX Above Listed 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 15 U.S.C 1681c. ( A ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any diverse item of information, other than records of convictions of crime which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information in inaccurate.
Product: Student loan

Discover Student Loan Complaint Background XX/XX/XXXX Primary Student Borrower : XXXX XXXX Cosigners : XXXX XXXX  and XXXX XXXX Total Amount Owed : XXXX My name is XXXX XXXX, and both my step-father, XXXX XXXX, and my mother, XXXX XXXX are cosigners on my Discover Student Loans. All of our credits have been ruined by Discover Student Loans, although we have been trying to work with Discover since I graduated from college in XX/XX/XXXX to get more reasonable payments based on my income ( please see additional attached documents ). After ignoring our pleas and ruining our credits, Discover decided to put me on a Hardship Program, after I lost my job. This went into effect in XX/XX/XXXX.
My mother called Discover Student Loans at XXXX at XXXX on XX/XX/XXXX and spoke with XXXX . She requested that our credit reports be corrected since we have been trying to work with Discover Student Loans for years to come up with a solution. XXXX told her that Discover will not do this, so she sent an email requesting that the phone call recording be escalated to senior leadership at Discover. She received a call from XXXX XXXX at Discover on XX/XX/XXXX and was informed that the issue is being escalated to Discover Executive Leadership. My mother received another call from XXXX XXXX on XX/XX/XXXX stating that Discover Executive Leadership will not correct the credit reports and will not look at the loan until after the 1 year hardship program has ended.
We have been trying for years to work with Discover to reconcile reasonable payments. We sent emails to Discover Leadership as far back as XX/XX/XXXXto demonstrate Discover Student Loans role in the following : Using unethical tactics to assign high interest rates to students with high credit score cosigners.
Using the high interest rates to create payments that students can not afford coming out of college.
Attacking cosigners before working with the direct borrower to get payments.
Making undocumented suggestions that students not pay to demonstrate hardship in an effort to go after cosigner assets.
Using XXXX-type tactics ( high interest, bullying, ruining credits, and lies ) to get from borrowers what they should never have owed.
Discover Student Loan tactics role in decreasing the amount of students entering college in the US and therefore leading to the demise of our nation relative to other nations.
Discover Student Loan tactics role in increasing crime as students get desperate because of the bullying and threats and knowledge of the fact that bad credit ruins futures ( ability to get that next best job, ability to buy a house or anything else that requires good credit, etc. ). This threat is real to these students and the resulting desperate behavior would probably surprise us all.
I am filing this complaint in hopes of driving a large investigation into this behavior and thereby driving change.
I dont know how Discover Leadership sleeps at night. They are a lending institution but it doesnt mean that they have to play this big of a role in ruining America. What they are doing is everything that is wrong with America today.
Product: Credit card or prepaid card

First Progress : Stole {$500.00} from me - In an attempt to increase my credit limit which was approved more than 3 times we sent 2 different money orders ( {$300.00} plus {$500.00} ) and were given a 15 day grace period to have it there. 4 days later we received a letter stating that the funds were not received in time. No funds were returned, I later made a complaint to the XXXX XXXX XXXX and they return one of the money orders in the amount of {$300.00} then told the XXXX  that all of the funds were returned. As of XX/XX/2021 the {$500.00} money order was never returned nor credited to the account. They have sent a bill in the amount of {$370.00} stating that is the amount owed on the account. Now they threaten to close the account if we do not pay an additional {$370.00} to them.
Product: Debt collection

An original letter was sent to credit bureau & the company directly and I have not received any information nor is the account deleted I also disputed this debt online as well Asking them to verify debt information & send updated results and have not received anything.it has been over 30 days without a response
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 these violations.
Product: Credit reporting or other personal consumer reports

According to consumer law, FCRA 15 U.S. Code 1681s-2-Responsibilities of furnishers of information to consumer reporting agencies ( a ) ( 1 ( A ) must provide accurate information and yall job to prohibit information with actual knowledge of errors and ( B ) keep reporting information after notice and confirmation of errors. IT MUST BE DELETED According to consumer law, FCRA 15 U.S. Code 1681i ( 5 ) Procedure in case of disputed accuracy. If a credit report has inaccurate, incomplete, or unverifiable information then it must be removed from my credit report.

This is a federal unethical practice which can lead to a litigation according to 15 US Code S 1681n Civil Liability for willful noncompliance. {$1000.00} per violation, you know the law. 

Company : XXXX Account # XXXX Violation XXXX Uploaded original contract from XXXX that verified my terms, they refused to delete the inaccuracy. 

Violation XXXX Last reported does not match XXXX say XXXX & Experian says XXXX Violation XXXX Date last active XXXX says XXXX & Experian says XXXX I have proof of all the errors. 

Per IdentityQ a trusted source for all XXXX credit bureaus I have blacked out certain items because these credit companies will copy and paste from my investigation rather than doing their job in investigations and fulfilling the law of consumer reporting I even reached out to the Attorney General concerning this matter of unethical consumer practices with legitimate factual reporting of errors of this account. 

XXXX has deleted this account due to the inaccuracies.
Product: Money transfer, virtual currency, or money service

Once again Zelle is preventing our clients paying {$2500.00} or more to our XXXX XXXX, thus killing our business. Please investigate and advise. Regards, XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally request the removal of outdated charge-off accounts from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), Sections 605 and 607. According to FCRA guidelines, negative information, such as charge-offs, should not be reported after seven years from the date of the first delinquency. I recently reviewed my credit report and noticed that several charge-off accounts are still being reported despite being over seven years old. The details of these accounts are as follows : Account Name : 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 XXXXXX/XX/XXXX
Product: Debt collection

Credit collection Services has reported an open balance of {$240.00} without prior contact or knowledge. I reached out to the agency and they would not provide me any information concerning the account. But continued to state that I must pay or they will take legal action. If you can not supply this documentation, please delete this alleged late payment ( s ) from my credit report. This institution is furnishing invalid information and is preventing me from being extended credit. This has violated my rights 15 U.S.C 1681 section 602 A. The FCRA allows 30 days for this to be rectified, please remove this account from my consumer report and please provide me with a free updated copy of my report.
Product: Credit card or prepaid card

On XX/XX/XXXX There were seven charges made to my Chase XXXX  credit card ( Name XXXX XXXX XXXX ) totaling {$1400.00}. The transactions are listed below and I will attached the statement listing them. I did not make these transactions. On the afternoon the transactions happened I got a message on my phone that there was suspicious activity on my account and I called Chase XXXX credit card services immediately and told them these charges were not me and to cancel the card, which they did. Chase XXXX removed the charges from my account and then placed them back on my account at the end of XXXX. I have called several times since and no one will tell me why they think these are valid charges and what they discovered in the investigation and they refuse to reconsider the investigation unless I can provide additional information. Because it was fraud and I did not make the charges I do not have any additional information to provide. 

XX/XX/XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX MA {$100.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX MA {$310.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00} XX/XX/XXXX XXXX XXXX XXXX MA {$200.00}
Product: Credit card or prepaid card

I found out I am a victim of identity theft, I contacted the company but they have yet to fix this fraud that has hurt me. Please see attachments. My ssn and dob are XXXX and XX/XX/1995.
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 violates the consumer financial protection act.specifically, cash app failed to take timely and effective measures to prevent and address fraud on there platform.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX  Account number : XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX  XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I asked CREDIT BUREAUS SYSTEMS , Inc to provide time with anything that would validate my debt and they sent me medical records and my treatment information from XXXX XXXX and to that violated my privacy according to HIPAA 42 U.S. Code 1320d6 - Wrongful disclosure of individually identifiable health information.

( a ) Offense A person who knowingly and in violation of this part ( 1 ) uses or causes to be used a unique health identifier ; ( 2 ) obtains individually identifiable health information relating to an individual; or ( 3 ) discloses individually identifiable health information to another person, shall be punished as provided in subsection ( b ). For purposes of the previous sentence, a person ( including an employee or other individual ) shall be considered to have obtained or disclosed individually identifiable health information in violation of this part if the information is maintained by a covered entity ( as defined in the HIPAA privacy regulation described in section 1320d9 ( b ) ( 3 ) of this title ) and the individual obtained or disclosed such information without authorization.
Product: Money transfer, virtual currency, or money service

In XXXX of last year when my husband 's XXXX came through we needed a spot to deposit it. I chose my PayPal account. When the money was deposited the account was frozen. I contacted PayPal and they told me that my account was under review and would be that way for a standard 180 days. They have since opened new reviews extending that deadline. We are now at almost a year later and they are still holding the account XXXX. There is over {$9000.00} in the account, mostly XXXX  money, and it's time they released their hold of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages due to XXXX XXXX XXXX XXXX in the amount of {$3300.00} on XX/XX/XXXX reporting fraudulently to my Equifax and XXXX credit report and XXXX XXXX XXXX XXXX in the amount of {$220.00} on XX/XX/XXXX reporting fraudulently to XXXX. I have mailed FTC reports to both the company and the bureaus without this being resolved.
Product: Debt collection

UNION ADJUSTMENT CO, ( XXXX ) XXXX XXXX XXXX XXXX, XXXX, CA XXXXIndividualOriginal CreditorXXXX XXXX {$97.00} They have XXXX and XXXX infractsions on my credit and they continues to validate their collections to XXXX, yet each record is in XXXX on my credit report. XXXX and XXXX investigated and removed them from my credit but XXXX will not and they actually continue to grow. They just added more and damaged my credit by XXXX points. I do n't have money for a lawyer at present or I would seek damages cause this has been going on for 3 years.