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

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IreachedouttoEquifaxaboutsomeaccountsthatwerenotreportingcorrectinformationonmycreditprofile.UponresearchandreviewIfoundoutthatallaccountsaretoreportcompleteandaccurateonacreditfileandIbroughtthistotheattentionofEquifaxinXX/XX/XXXXandXX/XX/XXXXbuttheycontinuetoreportthesameinformation.Theydidnotperformaproperinvestigationliketheyclaimedbecausechangeswerenotremoved/updatedaccordingly.

InoneofmychallengesIpointedouttothemthattheydidnotmarktheaccountsasbeingdisputedaspartoftheirprocesswhichisaviolation.TheyignoredthefactthattheyhadalreadyviolatedthatandmarkedtheaccountassuchuntilAFTERIpointeditouttothem.
Product: Debt collection

I am hereby requesting that you confirm the fact that I owe this debt as required by any applicable state and federal laws. Please contact the creditor to obtain verification. In addition, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am hereby instructing you to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection. Furthermore, any reporting of this matter to credit reporting agencies is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute. Your next contact with me should be to either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau ( s ) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility. I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing. Please acknowledge that you have received this notice within 14 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

While attempting to obtain a car loan in XX/XX/XXXX, I was notified by the car dealership that they could not obtain any credit information for me. They said my credit appeared to be locked. Credit was obtained through XXXX on XX/XX/XXXX but at a high interest rate since they could not verify my credit. I wrote a letter to Equifax in XX/XX/XXXX with all pertinent information ( full name, date of birth, social security number, address and driver 's license ). Equifax wrote back saying they were unable to locate a file for me either because I had not applied for credit, have not activity used credit in the past 10 years, or have not lived the U.S. or been issued a social security number. I've called them several times explaining I have a loan with XXXX since XX/XX/XXXX and they said it's not being reported. I contacted XXXX and they insist it is being reported. I ran a free credit report from XXXX and the XXXX account is showing up. However, in XXXX I tried to apply for a credit card and was denied. I think it's because Equifax doesn't have a file for me so not only am I having to pay an exceptionally high interest rate on my car loan but I am also being denied credit. Please help me fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX  ), XXXX XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ), XXXX Account # XXXX ( XXXX, XXXX, Equifax ), XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX XXXX Account # XXXX ( Equifax and XXXX ), XXXX XXXX XXXX Account # XXXX ( equifax, XXXX ), XXXX XXXX XXXX Account # XXXX ( XXXX ), XXXX XXXX Account # XXXX ( XXXX, Equifax, XXXX ).
Product: Credit reporting or other personal consumer reports

Creditor : Navy Federal Credit Union ( Navy FCU ) Account Number : XXXX Balance Reported : {$3600.00} Disputed Late Payments : XXXX XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX V Inconsistent Reporting : The late payment dates do not match across bureaus, violating FCRA 623. 
Failure to Verify : Under FCRA 609, I request proof that I was actually late. 
XXXX XXXX XXXX  Compliance Violation : If my account was brought current, the late payment must not be reported as delinquent.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear XXXX XXXXXXXX XXXX XXXX I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law.

Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Account Number : XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 

Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 

If you have any questions or need additional information, please contact me at XXXX Thank you for your prompt attention to this matter. 

Sincerely,
Product: Debt collection

The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt. This account is unverified and immediately needs to be deleted from all my credit files :  XXXX ,  XXXX , and  XXXX . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. Portfolio  Recovery Associates  does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoken to the creditor ( BELK ) in regards to this matter and to no avail the matter still hasn't been handled. My complaint is in regards to the original creditor ( BELK ) selling my debt to a third party ( XXXX XXXX XXXX, XXXX ) in which the original creditor and the third party both are reporting the exact same debt to all three credit bureaus. This is a double infraction on my credit reports. I want the original creditor ( BELK ) to delete these accounts from all three bureaus since they sold the accounts to XXXX XXXX XXXX, XXXX on XXXX. Please find correspondence letters from BELK the  original creditor attached.
Product: Credit reporting or other personal consumer reports

So XXXX XXXX sent me a letter to delete the debt and i would have to pay the taxes on the debt i signed notarized and sent the paperwork to regional acceptance XX/XX/XXXX its now XX/XX/XXXX and there has been no response from XXXX XXXX i emailed the proper channel as i was suppose to now this company is dragging there feet and moving slow
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XACTUS - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 

XXXX  - XXXX642149CEC - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 


Incorrect XXXX - XXXX XXXX- Please delete this inaccurate info immediately. 

Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, NY, XXXX - Please delete this inaccurate info immediately. 

EMPLOYER - XXXX XXXXXXXX XXXX- Please delete this inaccurate info immediately. 

EMPLOYER - MT XXXX XXXX- Please delete this inaccurate info immediately. 

Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX XXXX - This account are inaccurate and fraudulent. I? m seeking XXXX. Please delete at once. 


Incorrect Address - XXXX XXXX XXXX, XXXX, NY, XXXX - Please delete this inaccurate info immediately. 

XXXX XXXX, XXXX, and Equifax have 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 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 or 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 if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Mortgage

My mortgage company did a loan modification due to the coronavirus. I was laid off from work for a few months and asked for a forbearance. ( XX/XX/XXXX XXXX Before the loan modification they kept saying my escrow account was in the negative and my taxes were going up so they kept raising my monthly payment. Started making payments again XX/XX/XXXX. After asking for load modification. So after 7 months finally got my new paperwork for the loan modification. XX/XX/XXXX. Which was great except a month later now they say my escrow is delinquent and they are raising my payments again! It took 7 months to get the loan modification and they could not figure everything out before they sent new paperwork! Every month it is something new with them! So extremely frustrated with this company! I signed new paperwork for the loan modification end of XX/XX/XXXX. First payment due XXXX of XXXX of XXXX. Here it is first of XX/XX/XXXX and they want to raise my payments to XXXX! How can it be this delinquent in only a month! My mortgage was supposed to be a fixed mortgage. Please help!
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 USC 1681. 

Dept of ED / XXXX : XXXX American credit acceptance 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 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

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, credit repair services, or other personal consumer reports

To Whom It May Concern : Ally Financial and XXXX XXXX XXXX has violated my right to privacy, by reporting inaccurate information on my consumer report.I have reached out to these companies via : U.S . Postal Services pertaining to these alleged accounts. 

According to 15 USC 1681 Section 602 A. States I have the right to privacy.

According to 15 USC 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 15 USC 1692 j ( a ). It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participainting in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

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 1681.

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$420.00} Account Name : XXXX XXXX XXXX XXXX XXXX - BALANCE {$3600.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Account Name : XXXXDOFED # XXXX - BALANCE {$3500.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Account Name : XXXX/DOFED # XXXX - BALANCE {$2000.00} Unauthorized 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 XXXXXX/XX/XXXX
Product: Debt collection

Hello My name is XXXX my nephew XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  years ago in XXXX diagnosed in XXXX it was a very rough time we where driving XXXX miles every day to spend time and talk over his treatment plans and then I had to go to work. I honestly didn't know I had any debit with Capital One. I had paid any debits when he was diagnosed, Until a sherif came on XXXX day to deliver a lien on our home. My nephew wanted to pass away at home when the treatments stopped working he had just turned XXXX. 
During the pandemic my job of XXXX at XXXX my job was eliminated XXXX severance package. The year prior my partner had to have emergency XXXX XXXX due to XXXX  and a XXXX in the middle of his brain. I did try to reach out to the lawyers through email they didn't want to communicate that way it was by phone only. I am absolutely scared they will try to take our home. I called capital one they acted like they had know idea. She was kind and told me it was XXXX debit I told her I didn't know about it and wanted to set up a payment plan she said it was out of her hands. I don't have a dime to my name now. I have filled for XXXX due to my health. 
Any help would be amazing thank you for your time XXXX  P.s I am not to good with paper work or understanding legal stuff
Product: Student loan

Navient, which now services Sallie Mae 's old loans, has denied my requests for public service loan forgiveness. I have worked in XXXX XXXX  for 13 years ( over the 10 years required for forgiveness ) and have made well over the qualifying 120 payments on my loan. My loans were consolidated by the lender which no longer make them a qualifying loan type under this program. Had I known this before I would have never allowed them to consolidate my loans. Part, or all, of my student loans should be eligible for forgiveness. The PSLF program is a complete scam. I worked to pay down my loan over the last 13 years only to find out when I applied for this program that I am not eligible. There was no guidance on the part of the lender and, conversely, they placed me into a consolidated product that rendered all of my loans ineligible for forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not received any confirmation on how you have verified the alleged accounts attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if the need be as evidence of my trying to rectify the subterfuge that you are reporting. ( copied from the affidavit attached ) *******
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX Experian Information Solutions Inc . 
XXXX XXXX XXXX XXXX, TX XXXX Telfono : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX with Social Security Number XXXX, a resident of XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, Apt XXXX XXXX XXXX TX XXXX Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number. 
Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information. 
Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
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 ; Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my personal account vulnerable and unprotected.

These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

I want the CFPB to publish this
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. XXXX and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

I am disputing the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Debt collection

According to the XXXX XXXX XXXX XXXX, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides on XX/XX/19, and the section from the XXXX that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the XXXX because it corroborates the policy set in place that I am talking about. Thank you!