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

I am a victim of identity theft. I have provided the bureaus with documentation, and police report and nothing changed before so I am now taking the step to report for these fraudulent accounts to be blocked or removed from my credit report. As per the guidelines delineated in the Fair Credit Reporting Act ( FCRA ), I retain the right to contest any inaccurate or fraudulent information reflected on my credit report. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a victim of identity theft and would like all listed accounts to be blocked and deleted. 

Transunion these are the accounts that are fraudulent. XXXX XXXX XXXXXXXX line secured with account XXXX XXXX XXXX XXXX XXXX  and a balance of {$260.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX secured with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX XXXX XXXXXXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$630.00}XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. XXXX XXXX XXXX  Credit Card with account # Unknown opened on XX/XX/XXXX and a balance of {$2100.00}. 

Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Neglect Enablement of Identity Fraud 3.Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability fro willful noncompliance [ 15 U.S.C. 1681n ]
Product: Debt collection

On XX/XX/XXXX I was served paper work for a civil lawsuit from Midland Credit Management INC. This was for a closed XXXX XXXX card from back in XXXX. I was paying all my bills and was current on my bills. I quit receiving statements since I had believed the account was paid in full and closed. 

On XX/XX/XXXX when I was served a civil court order to appear in court for a total balance of {$2900.00}, I noticed that the creditor had my incorrect address listed, showing me as living in an apartment not in a home. I live in a house not in an apartment complex. The address they had listed is not my correct address. So I do not know where the mail was going to with the incorrect address they had listed for me. 

I have not received any phone calls or letters in the mail from Midland Credit Management INC, until I was served with a summons to appear in court on XX/XX/XXXX. 

I pay my bills and I do not have issues in my credit. For a company to file a civil law suit and not follow federal law of notification to the consumer and ensure that the consumer has properly received the mail to make payments is not lawful. How can a company file a suit without properly notifying a consumer via certified mail to ensure the consumer receives the mail? The consumer then could respond to the mail if the consumer had received the mail going to the correct address. 

If the creditor never sent out mail to consumer to make the payments, how can this be a consumers problem?
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 .. the amount is {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Student loan

In XXXX, I reapplied for my income driven payment plan for my federal loan with Navient. At that time, it was determined that I was eligible to pay a lower monthly payment. In XXXX, the rate reduction program on my private loan expired. In order to reapply, I had to give Navient a new financial statement. My income and expenses had not significantly changed from the previous year. So my expectation was that I would continue to pay my lowered rate of 3.5 % and pay $ XXXX monthly. Instead, they told me that I can afford to pay more money and increased my rate to 6.5 % and my payment to {$480.00} a month. As they were explaining how they came to this conclusion, they informed me that they werent taking certain expenses into consideration from my financial statement ( credit card payments, federal loan payments from a different lender etc. ). They also stated that I have {$600.00} left over after paying my other monthly expenses and that I should be able to use to pay them $ XXXX  month. However theyre are credit card and federal loan payments that need to be paid on a monthly basis. For example, my federal loan with a different servicer is {$220.00}. Paying both of these two bills alone will put me over my monthly income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt for XXXX XXXX  XXXX XXXX Credit Card was debt ordered and decreed to ex-husband in divorce decree dated XXXX XXXX in XXXX County, Texas Filed on XX/XX/2016 with XXXX County Clerk XXXX XXXX XXXX at XXXX Cause No. XXXX XXXX XXXX Also stated is a XXXX Credit Card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've recently over come Identity Theft after having filed a complaint with the cfpb, the ftc, the lapd, etc. I finally had negative marks removed after numerous months of turmoil. It states on Experian that because I am a victim of Identity Theft that in the State of California I have the right to resend my application to creditors who requested access within the past year due to the negative marks caused by identity theft which most likely was causing my denial. I was told they can not and will not do it. Seems a little unfair I'm still being punished for something that I didn't do. The only reason I didn't get approval with the SBA for my business was because of this fraudulent collection that I had removed. I would get approved if they could see my new profile. I shouldnt have to take another hit on my credit to run it again due to being an identity theft victim. My life has been turned upside down by my identity being stolen and Experian has kept me on the back burner also allowing inquiries in my name when I have a fraud alert don't know how that works or why I've only authorized my credit to be ran 6 times only that doesn't match my inquiry amount. Thank you for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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 ITEMS. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent a multiple disputes regarding the inaccurate information on my credit report. It has been more than 30days and I received no response or resolution. I want to reiterate that XXXX with the account number XXXX is reporting 100 % incorrect. This account is always paid on time and never been late. According to the provisions outlined in 15 USC 1666B, I believe these discrepancies constitute billing errors. It's important to note that I have consistently paid this account as agreed and on time. Therefore, the presence of these errors is concerning and appears to be in violation of regulatory standards. I have observed discrepancies in the reported balances and dates associated with this account. 

There is also a unauthorized inquiry on TRANSUNION, I never made any transaction with XXXX dated XX/XX/year> this is 100 % inaccurate.
Product: Student loan

I have parent loans with Navient. I became XXXX. They kept talking me into forbearance instead of income payment plan based on my XXXX and now my loan is so high I will never be able to pay it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed a company XXXX show up on my credit report on XX/XX/XXXX. I have never heard of XXXX. I filed a dispute with the credit bureau, Equifax, XXXX, and XXXX after I had attempted to settle with the company. I have NEVER filled out an application or signed a contract with this company. I was under the impression that the dispute had been settled and removed from my credit report. I found out yesterday on XX/XX/XXXX that there was a debt of {$63000.00} showing on my credit report and drastically dropping my score making me unable to purchase a home. I had disputed XXXX on XX/XX/XXXX and thought that this information that had been corrected/removed from my credit report and has now, in fact, been reinserted. I am not sure if this was identity theft? With further investigation, I found out that this company no longer exists and that was closed on XXXX of XXXX ..... I have once again attempted to have this settled with the credit union. If you can offer any assistance in the resolution of this matter I would greatly appreciate it.
Product: Credit card

I am disputing the collection account with NAVY FCU account number XXXX, dated XX/XX/year>, with a balance of {$490.00}. This account is unverified and does not belong to me. Despite my efforts to resolve this issue by contacting both the collections agency and the original creditor, I have not received any satisfactory resolution. I request an immediate investigation into this account and demand that NAVY FCU provide verifiable proof of ownership and validity of this debt. I expect a swift response and the removal of this erroneous information from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). I had my identity stolen and this account must come from that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rmp services responded to my complaint stating I verified in 2018 by calling their facility the debt. I did not validate. I called to ask for validation and they could not figure out where the amount came from. The account was requested to be removed and they have fought me since stating that I verified it but I did not. The call should have been monitored and recorded. Pull the phone call. This is not my debt. The company also refused to abide by the USC laws I wrote out to take myself out of their reporting services stating it is on their website. I have received no such notice by mail. A company can not speak. All communications must be through mail to be valid. No privacy act trumps any CFR or USC laws. Remove this account immediately before legal action is pursued.
Product: Payday loan, title loan, or personal loan

I have lost my source of income and paying back amount is extremely difficult to payback. Company refuses to negotiate or lower payments.
Product: Debt collection

I received multiple requests for payment on a debt that does not exist from transworld systems incorporated. Transworld systems incorporated is a fake company & requesting money that does not legally belong to them in any way. Don't fall for this scam company.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous dispute letters regarding the erroneous negative items on my credit report. Despite my earlier complaints, these inaccurate entries continue to persist, causing me great concern and frustration.
Product: Mortgage

Flagstar Bank is the mortgage company. Loan Origination XX/XX/2021. Automatic payment set up thru my XXXX  XXXX XXXX. Since Flagstar Bank does not accept direct payments, XXXX  XXXX XXXX needs to send a check every month. I don't look at my statements since its paid automatically and Flagstar had increased the escrow portion of my payment. In XXXX, they started calling stating they were collected a debt like the entire payment was missed. I called and immediately sent them and additional {$420.00}. They were charging me a late fee of {$83.00}. My principle and interest was paid in full only the escrow amount was short. They do not even have to make an escrow payment till XXXX so they were not out anything. When talking with them on the phone they told me the incorrect amount {$3200.00}. The right amount was {$3200.00} so the next payment was short and they charged another late fee of {$83.00}! I have since corrected the amount but Flagstar is refusing to waive the late fee.
Product: Credit reporting or other personal consumer reports

This account was fraudulent open in my name, I spoke to XXXX XXXX and it should have been deleted from my report ; XXXX XXXX XXXX # XXXX
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. 

XXXX  XXXX : # 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: Credit reporting, credit repair services, or other personal consumer reports

Delete this account i have attached documents..This account is paid off but still reporting a balance ... this is killing my credit score i have tried multiple times to fix this with you and the original creditor and have had nothing happen. Delete this account from my report immediately ... My next step is taking this to a consumer attorney and the state attorney general.
Product: Debt collection

I cancelled my service with XXXX XXXX XXXX because I was moving, and had my internet, phone services bundled with another company. Payment to XXXX prior to cancellation was through bank drafts. XXXX continued to draft after cancellation. The bank told me the only way to get my money back from the draft was to file a fraud report with them, which I did. The bank repaid the money taken out of my account. 

XXXX continued to try to collect. I wrote a letter after threats from them. XXXX sold the account to some other collection agency, who called constantly to collect, even offering to reduce the amount I owed. Wrote letters to that collection agency. Another company continued to call for a while, each time I explained the circumstances. 

However I see there is a {$50.00} unpaid amount on my credit report from some collection agency. 

Also, the lien from XXXX County was placed in error, and has since been removed. 

I have never lived in XXXX, N.C. Rental property of my father 's, and I had utilities activated in my name for repairs to sell.
Product: Credit card

The issue with my credit report started due to Comenity Capital Bank/XXXX mailing a bill for XXXX purchases to a two year old address so that I never received the bill. I had received the merchandise at my new address and did not realize I had not paid the bill as the bill never arrived at my current address. I only received a bill from Comenity by accident upon visiting my old home when a former neighbor handed me a piece of mail. I contacted the Comenity immediately and thought it was fraud. Comenity could not verify the purchases where mine in the phone call. When I finally verified the charges were mine, I paid the merchandise balance of {$530.00} in full to Comenity. I did not pay the fees and interest charges at that time because I felt the fault was due to Comenity sending the bill to the wrong address for two years. I did not know and Comenity did not tell me had already Charged Off my account before I made the payment. When I realized my credit had been affected, I contacted XXXX. In order to get my credit report corrected from incorrect information of charge offs and settlements, I was told by XXXX that I needed to pay any remaining charges consisting only of fees and interest. I was told to get a letter from the bank in question, Comenity Capital Bank who handles payments for XXXX, stating I paid the interest charges and fees and then I was to upload the letter from Comenity to XXXX. I took the actions suggested by XXXX and paid the interest and fee charges totaling {$310.00} and I got Comenity to email a letter to me saying my account was paid in full ( letter attached dated XXXX/XXXX/2017 ). Upon contacting XXXX again on XXXX XXXX, 2017, I was told by a supervisor that the letter sent to me from Comenity Capital Bank did not meet " certain criteria '' and had to be further verified by XXXX. I was told it would take up to 30-45 days. On XX/XX/XXXX, 2017, only three days later, I received a Dispute Resolution email from XXXX with a copy of my credit report showing the report on Comenity unchanged, The XXXX report still stated there was a Settlement and cited Charge Offs though all charges for merchandise and interest and fees, had been, as of XXXX XXXX, 2017, paid in full. I waited two weeks to see if I received another update from XXXX with the corrected information. On XXXX XXXX, 2017 I contacted XXXX again only to find out the original Dispute was closed and information on my account was not updated or corrected. Some facts : I uploaded the letter from Comenity to XXXX site a total of 4 times. 
As of XXXX XXXX, 2017 my credit report has not been updated with corrected information from Comenity Bank stating the charge off and the account paid are paid in full. Comenity Bank needs to correct this information with XXXX directly as I have done all I know to do. 
N.B. the address of record for this issue with XXXX is XXXX XXXX XXXX, XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX. XXXX, 2020, SYNCB/AMAZON add a hard inquiries on my credit report per XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report shows a bankruptcy that does not belong to me. 

The credit bureaus who listed this information on my credit report states that they verified this information via the XXXX XXXX   Courts in the XXXX  district of Ohio. 

I sent a letter to the XXXX XXXX court in XXXX Ohio disputing this. I also asked how this inaccurate information was even " verified '' in my letter. 

The courts sent me a letter back stating they do not report and DID NOT report this information to the credit bureaus.

This wrong and inaccurate info is negatively effecting my personal life and business life. And I am submitting this complaint because I would appreciate if you can help me get this inaccurate information removed.
Product: Debt collection

I do not recall owing any medical, this might be my fathers whom past away which was also XXXX XXXX past away XXXX/XXXX/2013. I have requested verification several times in a dispute nothing received. I want this off of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Balance : {$3200.00} - Your records are revealing conflicting and incorrect information compared to other bureaus. Please remove this account. 

XXXX XXXX XXXX, XXXX XXXX Balance : {$1300.00} XXXX account belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly. 

XXXX XXXX XXXX XXXX Balance {$1400.00} - This account is showing several violations. This account has been re-aged and is currently showing the incorrect open date and the incorrect date of last activity. These are all violation please remove. 

XXXX XXXX XXXX XXXX Balance {$610.00} - This account was taken care of with original creditor prior to going to collection, this is an Error Please remove this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit act Avante USA Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

Got a detoragorty remark on all three credit reports and never received a bill. I would like this removed placed by the collections agency