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

My correct Name and address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX There should be no other name or address on my credit report besides the Stated above. Any other name or address on my credit report is either old, Incorrect, fraud or identity theft.
Product: Debt collection

This account is being incorrectly reported on my credit due to identity theft.
Product: Credit reporting 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 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

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 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 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  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting or other personal consumer reports

I don't recall doing any business with XXXX XXXX XXXX. Yet it's on my credit report. I have never done business with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted each credit bureau several times in reference to these accounts on my credit report that I never opened and are not related to me. To date they have not provided me with any verifiable proof of these accounts. All I get back is a simple template letter stating was verified. Here are the accounts in question : 1. XXXX XXXX  Account Number : XXXX 2. XXXX XXXX XXXX XXXX  Account Number : XXXX 3. XXXX XXXX XXXX  Account Number : XXXX 4. XXXX Account Number : XXXX 5. XXXX Account Number : XXXX In accordance with the Fair Credit Act XXXXXXXX the Accounts listed in this complaint, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Act XXXX  the information provided below has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1781 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX sold my mortgage to Specialized Loan Services LLC. Before payments began I spoke to SLS and they agreed, via phone, that I could continue to pay bi-weekly like I had been doing with XXXX XXXX XXXX. They stated that their system was not set up for it but they would do it. The statements sent out were going to be off and show late fees however they said not to worry about it because they would have it corrected in the system. Once in a while they would call to say it was late however when I mentioned the agreement the caller would see it written in the system and have the calls stopped. I set up bill pay with my bank so that the day after my paycheck was deposited a check would be sent out to SLS. I have never missed one payment, and there have been months when they have received an extra payment. From XX/XX/XXXX till about I believe XX/XX/XXXX there were no late charges and I believe ( I have no way of checking ) they were even applying the extra money to the principal. However after doing my XX/XX/XXXX taxes I found that around XX/XX/XXXX they had started to charge late fees and were no longer applying the extra money to the principal. I had also found where they were reporting me late, over 19 times, to the credit report companies. When I tried to dispute it SLS would send a copy of the original agreement I made with the private lender saying I agreed to a single payment once a month, and that they were only a third party attempting to collect a debt. I explained to them that they agreed to the new payments in XX/XX/XXXX and that even though it was verbal they had to honor it. They refuse to correct any of the late charges, or late reportings. The one customer service rep. I talked to said there was no way to really prove there was an agreement. I did tell him that the fact it took them a year and half to start charging late fees, and that I have been paying the same exact way since XX/XX/XXXX should be pretty easy to prove it. He than said well we are only a third party trying to collect a debt which is not true either. The private lender died and his next of kin sold the mortgage to XXXX XXXX XXXX. I have checked and XXXX XXXX XXXX have the account showing as closed out saying they sold it SLS. When I asked for a supervisor he advised there was no way of reaching one and hung up. I have filed complaints with XXXX, as well as with the XXXX in an attempt to clear this up however they will not honor the verbal agreement we made. I will try this one last time to have them correct the issue, however I am looking for a lawyer at present and will take it to court if that is going to be the only way SLS will correct their mistake.
Product: Credit reporting

Dear Consumer Financial Protection Bureau : Please, I have written the XXXX Credit Bureaus ( XXXX, Equifax, and XXXX ) to contact XXXX XXXX XXXX in order to credit me for the credit history I established when I purchased a XXXX in XX/XX/XXXX and continued paying for it until XX/XX/XXXX when I finished the payment. Attached are the letter and summary of my account history from XXXX XXXX XXXX. I have been turned around each time I have called the credit bureaus about this while they continue to report that the XXXX XXXX XXXX do not report to them ( Credit Bureaus ). The credit bureaus should not have any adverse reporting against me when I have been buying and paying for my vehicles in full. They seem to be interested in hurting consumers than trying to help us. I could not be establishing a good credit while they continue reporting the adverse hurting credit histories instead of reporting the good credits I have worked hard to establish. I do not know what else I could do to help my credit reports than to appeal to you to help get my established records credited for me. I am being dribbled by both the credit bureaus and XXXX XXXX XXXX. This is a report against Equifax since you told me to file separately against each credit bureau.
Product: Mortgage

I am following up on my previous complaint XXXX-XXXX. 

This case was closed without any resolution or official response from Wells Fargo Bank. 

My claim of fraud regarding the refinance of mortgage with Wells Fargo is valid and legitimate and I need an official written response to my claim. 

Wells Fargo has failed to provide this and will now return my phone calls. 

Thank you in advance for your assistance!
Product: Credit reporting or other personal consumer reports

I have reached out to the following accounts below for several times and talked to them about the issues with my account as reported by the CREDIT COLLECTION SERVICE. They have advised me that they will remove ALL the late payments and will correct the credit report accordingly and accurately, however, as I reviewed my recent report the accounts are still reporting inaccurately. I am not sure how the CREDIT COLLECTION SERVICE came up with this remark. They have failed to reinvestigate properly. Also, the comments do not conform to the payment history that is being shown in my report. I have also attached in this complaint the response from the company to remove the account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute account on my credit report that were made without my sonsent. Accordin to section 604 of FAIR CREDIT REPORTING TO SECTION ACT ( 15 U.S.C 168 1 ( b ) ), there are speecific permissible purposes for obtaining a credit report. I did not authorize these account and can not find any permissible purpose under this section that justifies their presence on my credit report. PLEASE DELETE XXXX XXXX XXXX account number XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 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 XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM *******
Product: Debt collection

I have received an email yesterday which says I have a collection account by Online Information Services where original creditor is XXXX XXXX. 
However I have never opened any account with XXXX XXXX, they also have informed that when I called the company in the very next morning which also is a strong proof that I am facing with an identity theft. Then I started to call the credit bureaus for filing dispute on this account and then I have also called the collection agency, Online information services. They told me that this XXXX XXXX account was opened in XXXX, in XXXX XXXX XXXX where I have never lived. 
I would like to dispute this fraud account and remove it from my credit history. I can provide all necessary documents for that. 
Thank you Best Regards
Product: Credit card or prepaid card

This is reference to complaint XXXX. 

It was never resolved. 

I have proof that the payment was sent on time. 

Barclay company claims otherwise, and wishes to keep the fee they charged me. 

On your site ( consumerfinance.gov ) it states the following : That depending on what YOU find, you can also do this : Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office. 

Since you failed to do anything about this matter, who do I contact next or who can you forward this to? 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've examined my credit report and identified several fraudulent accounts that are currently reflected on it. I'll attach the specific items below here.
Product: Money transfer, virtual currency, or money service

identify you and your account. 
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 proce 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 14. 
financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

XXXX BANK THIS IS GOING TO LAND YOU IN A COURT OF LAW TO EXPLAIN TO A JUDGE AND JURY. KEEP IN MIND OTHER PEOPLE SIT IN THE COURT ROOM LISTENING TO CASES AND MAY BE YOUR CUSTOMERS! THEY MAY ALSO HAVE PROBLEMS ON THEIR CREDIT THAT THEY'VE BEEN UNABLE TO GET FIXED THROUGH THE BUREAUS, THAT THEY ARE RIGHT ON, AS AM I ABOUT THIS, THAT CONTINGENT UPON THE OUTCOME WILL ENCOURAGE THEM TO FIGHT BACK TOO. IS THAT REALLY WHERE WE WANT TO TAKE THIS???? REVIEW THE LETTER YOU SENT WITH MY COMMENTS ON IT, AS WELL AS THE ATTACHMENTS FOR XXXX AND EQUIFAX! XXXX USUALLY ADDS AN EXPIRATION DATE AS TO WHEN THE ACCOUNT WILL FALL OFF. I'VE ALREADY ADDRESSED THIS WITH THEM AND THEY'VE FAILED TO RESPOND, EQUIFAX HAS FAILED TO SHOW THIS ACCOUNT AS " CLOSED '', DELETE THE INACCURATE 2 YEAR PAYMENT HISTORY THEY'RE SHOWING FOR A " CLOSED '' ACCOUNT, AND REFLECT ACCURATE PAY OFF AND LAST REPORTED DATES. THIS ACCOUNT WAS PAID OFF AND WAS NEGATIVE IN XX/XX/XXXX NOT XX/XX/XXXX!!!! GET A FLIPPING GRIP!!!!! IF YOU CAN'T READ A CREDIT REPORT YOU SHOULDN'T BE WORKING IN A CREDIT BASED BUSINESS!! YOU WILL NOT LEAVE INCORRECT INFORMATION ON MY REPORT AND EXPECT ME TO GO AWAY. I'M NOT GOING TO GO AWAY AND WILL FIGHT YOU TOOTH AND NAIL!!!!
Product: Credit card or prepaid card

XXXX XXXX has illegally billed my PayPal account! Again! 
Yesterday - on XX/XX/XXXX - I checked my PayPal Accnt & saw that there were un-authorized charges from XXXX! 


XXXX XXXX - XXXX XXXX - has been BLOCKED to prevent them from billing my accnt! 

XXXX was blocked because of a lot of problems with XXXX! A lot of those problems have been written about in earlier complaints to CFPB!
Product: Credit reporting

I am writing to dispute a fraudulent debt on my credit in the amount of {$7000.00}. I do not recall this debt. I am requesting that the debt is removed off my credit report with the XXXX bureaus XXXX, Equifax ( r ) and XXXX ( r ) and any finance and other charges related to the fraudulent, as well. 

I have previously sent you a request to validate our debt under Texas Finance Code and all I received was an itemized list of the alleged charges you claim I owe you, which I do not. I did not receive a lease agreement showing my signature nor the required information by Texas financial code. This does not meet the Texas Financial Code guidelines of what constitutes proper debt validation and must be deleted. Please remove off credit reports for XXXX, XXXX, and Equifax. I am attaching a copy of the original DV letter with the Texas Code on it and will be contacting the Texas State Attorney General office on your non-compliance and better business bureau. I have listed below how you are not meeting the Texas Financial Code. 

Please note XXXX, XXXX, and Equifax are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to your debt validation request, then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. 

If your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( Equifax , XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : *Violation of the Fair Credit Reporting Act *Violation of the Fair Debt Collection Practices Act *Defamation of Character National Credit is sending invalid information on behalf of the Merdian/UDR and this is completely fraudulent and not owed by me. Remove this from my credit, you have been reporting this fraudulent debt for 6 years. 

XXXX has stated they have no record of my information, yet they are reporting on my credit report. This needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Texas Attorney General 's office and followed up/submitted a written complaint. 

TransUnion/XXXX/XXXX -- Failed to correct my credit score. REGARDLESS if the information is correct or NOT the creditor should NOT be allowed to update as if it is a NEW hit. Updating an item that is 5 years old as if it is new is illegal. Hence the reason the attorney general is now involved. I shared the attachments that showed the creditor updated for another 7 years FROM XX/XX/XXXX and then went back and corrected as if they did not do such. My score should be restored!! 

XXXX XXXX - Regarding two ( 2 ) different accounts ending in XXXX & XXXX. Both accounts were opened XXXX and charged-off AND reported to all three ( 3 ) credit bureaus in XXXX. However, XXXX XXXX, re-aged the debt and reported it as if the debt was charged off in XXXX. This detriment to my credit report for this illegal act was a total loss of 71 points. XXXX XXXX account # XXXX is also is in violation of re-aging the debt as well. The account was charged off in XXXX. The detriment to my credit report for this illegal act was a total loss of 71. See exhibits on initial complaint.
Product: Credit reporting or other personal consumer reports

I am not denying my account or stating this account isn't mine. I am not asking for verification as defined pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( A ) information in the consumers application for the credit or other information bearing on the credit worthiness of the consumer ; or pursuant to 15 U.S. Code 1681a ( l ) ( 2 ) ( B ) of the information in the consumers application for the credit to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. I am demanding you to remove my account information as you have no permissible purpose to furnish a consumer report in regards to i the consumer
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 15 U.S.C 1681 :. SEQUIUM XXXX .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
Product: Credit reporting, credit repair services, or other personal consumer reports

I am very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Payday loan, title loan, personal loan, or advance loan

During the Summer of 2023, I needed financial assistance to relocate for employment. While searching for loan options online via my mobile phone, I came across Credit Fresh. However, during my interaction with the Credit Fresh website, I was not provided with clear information regarding interest rates or payment schedules. Consequently, I was unaware that the loan required large payments every two weeks, and I did not fully understand the terms of the agreement when I entered into it. 

Despite my efforts to make payments, I unexpectedly became involuntarily unemployed and suffered XXXX making it challenging to find work and access necessary medical care.
Product: Debt collection

Dear Sir or Madam : I have been the victim of identity fraud, and I believe this debt is one of the debts which resulted from my identity theft and was falsely taken out in my name. This letter is being sent to you in response to your attached letter. This is not a refusal to pay, but a notice that your claim is disputed. 

Under the Fair Debt Collections Practices Acct ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. Below are a few questions to answer which may help you to resolve these mistakes. 

You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit ad prevent me from enjoying all the benefits of good credit. Im sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and federal agencies. 
I addition to the questionnaire below, please attach copies of : Agreement with your client that grants you the authority to collect on this alleged debt Agreement that bears the signature of the alleged debtor wherein he agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account Any judgments been obtained by any creditor regarding this account Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my various attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX XXXX Date Opened : XX/XX/15 Balance : {$2100.00}
Product: Mortgage

I am in the mortgage business and do things the right way. I hate those that play gimmicks and games with people. But this is another time when Quicken doing things that not only appear shady and unethical but against the code. Attaching a few pieces need to get explored. How are they taking from XXXX and posting that as a credit when there is nothing anywhere to suggest they can do that. That maybe is somehow acceptable, I just can not find it The part I am mostly hung up on is how are they breaking all code and FHA Streamline rules in giving back cash out to apply to closing costs. FHA Streamline is abundantly clear in every channel there is not a cash out option. How are they able to show there cost illustrations with cash out to cover closing costs? Seems illegal to me