23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX  SOC SEC # XXXX-XXXX-XXXX   DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXXXXXX XXXX XXXXTODAYS DATE: XXXXXXXX/XXXX/XXXXThis serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise.Recently, I've been denied in my application for (mortgage, car loan, credit card, health insurance, employment) in Florida XXXXpon closer look, this was due to inaccurate information on credit report; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows;XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX 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

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request XXXX BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. The following items are listed below : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2018 ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX XXXX XXXX XXXX , GA XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$58.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$170.00}
Product: Mortgage

For over nine months we were submitting documents to SLS for a loan modification only to be notified by a lawyers office that our home was in pre-foreclosure status. Not understanding how this could have taken place we tried to log into our online account to see if any updates or messages had taken place but could not, due to the fact they had locked us out of our account. Upon calling SLS for information regarding our loan status, we were informed that our loan was in default and if we wanted access this account and our home out of pre-foreclosure then we must pay approximately {$5000.00}. I asked SLS to explain to me how this happened and where did they come up with this requested amount, they refused to answer any of my questions. They also refused to send me any documents pertaining to this account. The only response I got from them was " you received no notifications on the status of your loan or modification status due to the fact you filed Bankruptcy six years ago. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of by the companies listed due to malpractice where several laws have been broken under the Fair Credit Reporting Act. These negative marks on my credit have caused me financial injury.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account every month since May. The different items I have disputed are, openng and closing the account, no date of last activity, activity after charge off, reporting a past due balance on a closed accoiunt, incorrect payment history, reporting 90 days late 61 times, reporting a past due amount on a charged off acount, removing the c/o and replacing it with late payments and removing payments after dispute. reporting dispute resolved when it is not. Refusing to update account after multiple disputes, everytime I file a dispute to correct information furnished to CRA, they add or delete something to furthur cause harm to my credit report. The latest was to change the account closed date from XXXX to XXXX with the last payment made in XXXX. 

XXXX, XXXX and Experian all say that they are aware that the data being furnished is factually inacurate and changes each month but state that they are required to report what is furnished to them and can not correct, block or remove unless XXXX XXXX tells them to, so they update the account each month with more inaccurate data than the month previous.
Product: Debt collection

The collection agency Central Portfolio Control, is using a tactic called debt parking in an attempt to extort me. I had a medical debt back in XXXX ( around {$870.00} ) that was eventually paid for by my insurance, and consequently removed from my credit report. Central Portfolio Control re-reported this to my credit as a new debt from XX/XX/XXXX, in an attempt to damage my credit and extort me into paying on an invalid debt. 

They never attempted to contact me via telephone, or by mail before reporting to my credit. No attempt was made by them to validate the accuracy of this debt. 

I called their agency and was told that I needed to pay, and they had no intention of removing this bogus debt from my report. 

Not only is this debt not valid, they are in clear violation of FCRA and FDCPA regulations using debt parking tactics.
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 Account # 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. 
XXXX XXXX  or leases Total balance : {$22000.00} XXXX XXXX XXXX  LATE PAYMENT Balance {$22000.00} Balance updated XX/XX/XXXX XXXX closed account XXXX loans Total balance : {$30000.00} XXXX XXXX XXXX Balance {$30000.00} Balance updated XX/XX/XXXX XXXX closed accounts Personal loans Total balance : {$690.00} 2 closed accounts 1collection Total balance : {$250.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX 
Balance {$250.00} Balance updated XX/XX/XXXX Collections can stay on your credit report for up to 7 years from the delinquency date, but they typically affect your FICO Score less over time. 
8inquiries These lenders have accessed your credit file : XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX  XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

Cashapp offers these short term loans... I've used them a handful of times... always paying balance in it's entirety early. 
Thursday the XXXX of XXXX, they started taking 10 % of every deposit..NO reason, no explanation, nobody knows " why ''. They have given me multiple confirmation numbers..but do nothing..for a total of 3 mystery deductions so far. Flat out stealing. 
It should be noted that customer service is rude, short, and loves running you in circles. Got ta dig to find out cashapp is owned by Block Inc ( cashapp, square ). Other than that? They have fake " help '' on the internet ... my favorite is the " cashapp fraud protection team '' XXXX XXXX XXXX, but they don't really exist. 
So, I have been waiting 1 week... today I caught on..not happy. 
In summary... they are making unauthorized transactions that have had me moving money, making calls, canceling appointments, and on the phone non stop. I have filed with the XXXX, the FDIC wasn't a good fit..but I'm seeking legal counsel. 
It's amazing frankly, I called for what I felt was a minor glitch ... turns out they are stealing..they know they are... they are not accountable. I look forward to taking them to court. I can't be the only one though... and it needs to get exposed, corrected. 
XX/XX/XXXX XXXX took {$2.00} XX/XX/XXXX XXXX. {$2.00} XX/XX/XXXX also Sunday. {$10.00} Only takes a XXXX to bounce a check ... and NOBODY is handing ME any breaks..I want them accountable. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has failed this consumer : by not adhering, incorporating, and carrying out the policy/procedures laid out ; By National Consumer Assistance Plan, some yrs ago! After countless or numerous times, filing complaints/disputes against Transunion ; involving these Creditors, and accts/debts ( XXXX XXXX, & XXXX XXXX ), and internal investigations render! It had resulted in ; the above listed Creditors, and accts/debts were deleted, and officially removed! Here 's what Transunion failed, and or refused to do, according to XXXX XXXX policies, and procedures : Each CRA must implement a process, for sharing disputes outcomes/results, and consumer info with each other, to improve data accuracy! Had they carried out, their civil duties, and followed that particular policy/procedures! It could or should have ; stopped any further complaints, disputes, and investigations in its entirety! In addition to that, preserved my health at any cost, from adding insult to injury, further harm, relapse, and endangerment!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB I would like to put a complaint on the credit agencies and XXXX XXXX XXXX. I also will put a complaint with the XXXX. I am questioning account numbers XXXX and XXXXwith XXXX Due to the fact I have sent several dispute letters to credit reporting agencies since this year XXXX and it comes back verified every single time. They are claiming that I owe { {$810.00} } to and ( {$1100.00} ) on my credit report. I have contacted XXXX to get the method of verification and debt validation on this account and they not provided me the information I have requested per the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I have even submitted a complaint through CFPB and the collection agency have not responded yet. I have sent numerous letters to XXXX regarding an alleged debt ( s ) that I owe via certified mail. I have requested validation that this is my debt or account and they have failed to provide me with any contract that I signed with them or with any contract with the original creditor bearing my handwritten signature. They are reporting inaccurate information to all 3 credit reporting agencies, therefore damaging my credit beyond repair. I have given them an ample amount of time to validate and correct this matter and I have not gotten any response to my letters. I ask these accounts to be  removed from all three credit files.
Product: Bank account or service

I am a XXXX military Veteran trying to open an account with Navy Federal Credit Union. As per their email I received they requested identifying documents, which, as per their email, was sent to them. Every document, except my state drivers license, was not accepted, even though every document sent to them was in the list in the email from their Security Operations section! I sent my most recent Federal tax return ( not accepted ) ; my XXXX rental verification document ( not accepted ) ; etc. I called and the customer service agent said even though the documents requested were in the credit union 's emails to me - they were not accepted! He could not explain why they would ask for said documents and then reject them. I have included their original email asking for the documents in question : Thank you for sending in your requested document needed ; however, the driver 's license attached is too small for us to accept ( Send a larger photo ). In addition, the proof of address was not accepted ( Full document from list below ). Please resend your full and clear copy of your government issued photo ID and a different proof of address than attached that you used to open your account from the list below. You may send a clearer copy via email to XXXXXXXXXXXX. 
Acceptable Primary IDs Driver 's License XXXX Citizen ID card Passport Permanent Resident Alien card Acceptable Proof of Addresses Voter 's Registration Card Paystub within the past 2 months Vehicle Registration Insurance Documents Bank Statement within the past 2 months Local/State/Federal tax documents Utility Bill within the last 2 months ( water, gas, electric, trash ) IRS XXXX from the most recent year Security Operations Navy Federal Credit Union XXXX XXXX ) XXXX
Product: Mortgage

Account Number : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Utah XXXX. On XX/XX/2020, I paid off my mortgage to PHH Mortgage Services. However, they did not recognize my pay off until XX/XX/2020. In the meantime they were billing me for another payment. After, and only after filing a complaint with CFPB did the company respond and fix the problem. Now they will not release their lien on the property. One of their letters stated that it may take up to six months to release  it. So, I contact the XXXX XXXX County Recorder to find out if they were back logged on recording mortgage lien releases. They informed me that they were not and that the delay was with PHH. So, I contacted PHH again, who informed me that it would take up to 30 days from XX/XX/2020 " for the release to be completed and submitted to send the SATISFACTION DOCUMENT to the County for recording. '' Interestingly, the date of their letter was  XX/XX/2020, which was already more than 30 days. I have contacted the XXXX XXXX XXXX recorder three times ( the last time today XXXX ) and was informed that they have not received any documentation from PHH to release the lien on my property. As always, there is no sense of urgency until one files a complaint against them. All I want to do is clear this lien. I was a perfect customer. Not once was I late on my payments. Many times my payment was paid early. I truly appreciate your help in the past and have confidence that you can help me again. Thank you.
Product: Credit reporting or other personal consumer reports

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 My information may have been impacted by the Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX and may have got into the hands of the wrong person 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the Banking system ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, creditstanding, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists These accounts were open fraudulently as I was in XXXX XXXX at the time these accounts were open I was XXXX XXXX XXXXXXXX I was XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX and put in a XXXX which I cant leave until round or about XX/XX/XXXX I will upload proof of that as well
Product: Debt collection

Account # XXXX capital one XX/XX/year> To whom it XXXX concern I saw your company furnishing a negative account on my consumer report. I am requesting the assignment contract for validation of this alleged debt pursuant to 15 U.S. Code 1692 ( g ).

Provide me with the following information.

The amount of debt.

The original assignment contract Proof that your company sent me a statement assuming the debt to be valid with proof of tracking.

I was never notified with the following statement to dispute this debt within 30 days so the 30 days is starting now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.

also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.

Failure to respond satisfactorily with deletion of the above referenced account, 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 : 1. Defamation of Character ( per se ) 2. Negligent 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 for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX, XXXX XXXX XXXX XXXX Balance : {$17000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX TX ) XXXX Balance : {$6500.00}, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4500.00}, ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00}, XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Once again Phh mortgage/Ocwen/Homeq breaking the laws to hide their stealing. They charged me so many late fees for years but yet our credit report shows no late payments. WELL GUESS WHAT? Not only did we pay on time like we always do but we have perfect credit. MMMM something was wrong though and I could not figure out how they expected to get away with charging late payments and it not be reported. I figured it out after digging into their criminal cover-ups and wow this blew my mind. They use a fake account number to report to the credit bureau so it won't match. Wan na see? Let me enlighten you! I will attach the credit report for XXXX showing no late payments and I was charged over XXXX in late payment fees on my account. Never once late and they had to hide it somehow. Very smart but very criminal move they made. This is a felony and identity theft. They made up a fake number for our mortgage account and I will highlight it so you can see it. Oh, I am sure they will reply it was an honest mistake and some poor employee that worked there years ago will be blamed. The pockets that all the monetary gain goes into always find a way not to be accountable. Attached is the credit report from XXXX clearly showing a fake account number. I want charges pressed on them for identity theft. I want all the late payment charges refunded. Some of them are XXXX charges. I can highlight them for you. Attached is also proof they stole from my escrow claiming they paid XXXX on XX/XX/XXXX to XXXX school taxes. We paid the taxes until XXXX so how can they claim this on our escrow? I attached the school tax office payments, and XXXX will be happy to speak with you about their lies. Look where they messed up when copying and pasting numbers and left XXXX transactions in XXXX and then started with XXXX again. Freaking unreal. Look at where they charged XXXX for hazard insurance on XX/XX/XXXX when we had insurance. I will attach our receipts for taxes paid, insurance paid, and our credit bureau. How can you explain all this away? Just stop and show you defeated in this battle of the wills. Goodwill always prevails over bad. It's the way God made the world. Everything stolen from us is coming to the light and you being exposed for what you are. Look at XX/XX/XXXX where they charge us XXXX for a long-form. What the heck is this? Look where they charged us for locks and inspections. Look at the XXXX late fee and the XXXX late fees and the XXXX late fees. Look at all the money in suspense so they could charge us late fees. I want every XXXX from the suspense account applied asap to our mortgage. I want every fake fee returned. Look at all the corp advance fees and insurance company names on the right side. Look at where they are putting investor XXXX and pool on our report to scare us. They have now sent us demand for full payment or they will foreclose. We are prepaid XXXX and they wont apply it to our mortgage. Here is our statement. Look at where they are threatening us. Attached you will see we have prepaid XXXX and they said we are late. I am sick of it. Now we are afraid they will foreclose if we don't send them XXXX. XXXX NO. they owe us!
Product: Debt collection

FMA Alliance called a coworker on her personal work phone and told her to tell me to contact them. This is totally inappropriate and I have asked them to cease and desist contacting any phone number associated with myself, place of work, relatives, and friends but to no avail.