23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage on property at XXXX XXXX XXXX XXXX, XXXX XXXX, La. since XXXX and the mortgage have been transferred about six times or more. I am now assigned to Vanderbilt Mortgage and Finance Co. also XXXX XXXX it was a 80 to 20 loan. I filed a bankruptcy on XXXX XXXX, XXXX and payments was collected monthly in the bankruptcy payment plan and I paid XXXX each month.I have proof that the payments was paid. My attorney XXXX XXXX advised me to asked Vanderbilt for a modification and I did send the paper work in, I got out of bankruptcy in XXXX XXXX and continued to make my payments even now. I received a card from the Sheriff in my door. I would like to save my home but they told me I would have to pay {$6000.00} to bring my account current. I still pay XXXX XXXX each month. I would like you to investigate the payments I was told that when I got out of bankruptcy the money owed would have to be paid to bring the account up to date. I would like you to investigate .and remove this complaint from the better bureau from my record. My daughter is with me and I have more income to help me pay my morgtage she help with all my bills and that is why I asked for a modification loan and was declined or pay XXXX to catch up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 2 separate occasions ( XXXX/XXXX/2018 & XX/XX//2018 ) I have submitted letters asking XXXX, XXXX and Equifax credit bureaus to verify that XXXX XXXX is indeed my account. I do not have a contract or signed agreement with this company. They were asked to supply the method of their verification, instead I only received a credit report stating verified. On XX/XX//2018 I sent a letter asking them to delete the account as I have not received any information verifying the validity of this account. All 3 letters of communication were sent via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/2019 Balance : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedyand the bank 's records ( learned through more research both parties require ). Please block/remove this files. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureau and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
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 cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " XXXX XXXX '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Product: Debt collection

I have provided proof previously stating I was exempt from LVNV Funding LLC collection and they ignored my forms and then lied claiming I didn't send them anything. After the fact the sent a summons to an old address of mine and lied stating I was served and simply didn't show. The have illegally collected exempt funds which are received from the government via school and I have proof of that. They have not told the truth in any manner and clearly lied to even garnish my exempt funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following indicated on my Credit Report. I did not attempt to open this card. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of incorrect accounts from my credit report. Could you review the documents? Some listed accounts contain reporting errors, with inaccurate amounts and dates.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX, I do not have a contract with Creditors Bureau Associates, they did not provide me with the original contract as I requested. Also, Creditors Bureau Associates lacks any State Licenses/Registrations in the state of Florida, where I reside, to collect on a debt. This account contravenes the FCCPA ( Florida Consumer Collection Practices Act ), which mandates all debt collectors, regardless of location, to be licensed or registered in Florida. 


This is my second complaint submitted to the Consumer Financial Protection Bureau addressing the fraudulent and unfair acts that Creditors Bureau Associates are committing by reporting this misrepresenting and inaccurate account on my consumer report. Creditors Bureau Associates responded by providing me with a document that they created with a balance that I do not owe them. I have never signed a contract to do business, of any kind, with them. They also provided documents showing a {$0.00} balance as the overall " Grand total '' and " Patient Total ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Collection Services Disputed but returned accurate XXXXXXXX XXXX  Disputed But returned accurate
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : collection/charge off XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX information Previous Address ( es ) : XXXX XXXX XXXX XXXX HI XXXX XX/XX/XXXX Previous Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, HI XXXX XX/XX/XXXX Previous Address ( es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1600.00} XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$330.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX IN. XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$190.00} XXXX XXXX  XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX popped up on my report on XXXX. I reached out to the company as I did not recognize this. I called and the woman I spoke to asked basic information. My name, phone number, etc. She then asked if I had any other names, said yes and gave my maiden name. She put me on hold and came back on, said she couldn't find anything. I said well it's on my credit report. She said, I understand and I even asked my supervisor to look and neither of us could find anything. It must be an error on your credit report. I told her thank you and she said to reach out to the credit bureaus. 

Credit Systems popped up on XXXX. Again not something I recognize and I immediately called XXXX and requested a fraud alert as this is the second item to pop up in less than 2 weeks. I was told an alert would be put on on three credit bureaus and I was transferred to the Fraud Dept. 

Was advised to complete a report on the FTC site.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my dispute results received from Equifax who claimed they verified and updated the account disputed, I see that they continue to update the account outstandingly inaccurate and incomplete after having multiple opportunities to comply with the FCRA. 

Equifax states the information provided to determine the accuracy and completeness came from the original creditor, however Equifax is reporting different information than the original creditor. Equifax last payment date does not match the last payment date XXXX XXXX  reported to equifax. Equifax failed to provide complete information such as high credit, scheduled payment amount, etc even though XXXX XXXX  provided Equifax with that information as seen on the dispute results. Equifax reports XXXX XXXX  as charged off but failed to provide the account closed date. 

Also, Equifax failed to prevent inaccurate reporting by XXXX XXXX  : If my last payment date was XX/XX/2021 ( which is incorrect ) setting my balance to {$2200.00} then why is the balance now {$2200.00}? Nothing has changed. That triggers the high credit to change from {$3500.00} to {$3500.00} which again is incorrect. 

Equifax has violated several laws listed below : 15 usc section 1681 e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

15 usc section 1681 i ( a ) ; If ANY information disputed is found inaccurate and incomplete the consumer reporting agency must update or delete items disputed 15 usc section 1681s-2 ( b ) requires the credit reporting agency to examine sufficient evidence to determine whether the disputed information is accurate.

15 usc section i ( b ) ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description by not later than 15 days In addition, I have the right to privacy according to 15 usc section 602A.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor 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, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$830.00} XXXX XXXX Balance Owed : {$7800.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Every year since I got my home my escrow has been screwed up one way or another by Chase bank. Every year my mortgage goes up and down but this year now they are telling me I am over {$1600.00} short and to keep my payments they way they are I need to come up with over {$1600.00}. Per them it is for taxes ( not due until XXXX of 2016 ). How am I short for taxes not due for over a year? Do n't my payments build up my escrow so that there is money in there come XXXX? This happens every year. I said that does not add up and they tell me I am wrong and will not clearly prove to me where they are right and where I am wrong. I called a lawyer and per him I am just screwed as there is nothing in the law that protects me. I also tried several times over the last several years to refinance my home because the rate is 6 % and it is killing me. So far Chase tells me they can help me and that someone will call me but I have never been called back and the XXXX time I did talk to someone they told me it would cost {$1800.00} to refinance. The part the confuses me about that is my neighbor refinanced his home and it only cost him {$400.00}. He too is with Chase and he owes more on his home. I have no idea what to do or where to go and if this does not get addressed I will lose the house as I can not afford the new payments while my wife is out of work dealing with medical problems.
Product: Debt collection

moved out of XXXX XXXX XXXX  in XXXX XXXX, on XXXX XXXX and received a move out statement to new address on XX/XX/2024. The letter stated {$370.00} was the close out cost for damages and fees, but {$0.00} balanced owed to them because the XXXX XXXX  insurance paid what was due. Received a email from the apartment property management XXXX XX/XX/2024 stating we owed a balance of {$370.00}. XXXX we received phone calls and emails from Genesis collection credit company stating we owed a balance of {$370.00} for a balance due to the apartments. I sent the move out letter to the collection agency and they stated I still owed money from other reasons than what was in the move out statement. I let Genesis know we haven't received any other statement or letter stating I still had a balance. I went to the apartments and spoke with the manager there where she provided me with the confirmation that the apartments received a check in the amount of {$370.00} and that there is a {$0.00} balance on my account. Provided this information to Genesis and they are still stating we owe now $ XXXX and change but no proof to me what for and I still never received any other statement from anyone that there is a balance still owed. Spoke to supervisor at Genesis on XX/XX/XXXX or XXXX and he was supposed to email me the statements they received showing what I owed and still haven't received any email. Genesis is claiming this is not on our credit as of now. I can email the other emails I have from Genesis and XXXX XXXX showing what they sent me. Not able to download to send for this complaint.
Product: Debt collection

On XX/XX/2020, I received an alert regarding a collection on my credit report. I have a good credit and all my credit card, utility and other bills are paid automatically through my bank account. It says from Sequium Asset Solutions - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Phone numbers : XXXX and XXXX. The account # XXXX - {$720.00} for XXXX. This collection had been for 2 months, I have not received any letter from this company regarding this supposed collection account. I have XXXX XXXX XXXX XXXX for almost 10 years now. I disputed with Sequium, XXXX, XXXX  and XXXX that this is not mine and it's fraud, someone got my information fraudulently and used it to purchase or open the XXXX account. Sequium stated that this is my account but has not even given me anything that I have signed or agreed to with XXXX. Have called them daily from that time, can't get through, only forwarding voice mail but that it's full. This company is creating false accounts to get money from people and I want this taken off my credit report because it has already affected my credit ( 45 points down ). They should not be operating fraudulently and trying to get money from consumers like me who have always been paying on time. Please assist, thank you, XXXX.
Product: Credit reporting

Customer service at TransUnion would not help and remove negative inquiries reporting to my credit report. 

The inquiries that need to be removed are listed below : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX XXXXXX/XX/XXXX -XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -XXXX XXXX  XXXX XX/XX/XXXX -XXXX XX/XX/XXXX -XXXX  XX/XX/XXXX NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX 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. ''
Product: Debt collection

My daughter is currently being treated for immune deficiency, specifically XXXX Deficiency. She has been having routine blood work since XXXX 2014 to diagnose her deficiency. On XXXX XXXX, 2014, XXXX XXXX sent a bill to a wrong address. After two attempts to send the bill to the wrong address and no contact with either myself or my daughter 's immunologist, XXXX XXXX sent the account to collections. During this time, we had more blood work and XXXX XXXX XXXX XXXX denied one of the tests as " not medically documented ''. As a result, we have a balance of {$230.00} that is being processed through XXXX XXXX XXXX XXXX and has not been paid. Credit Collection Services, the collection agency who has the outstanding bills from XXXX XXXX, continues to send me bill notifications even though I have contacted their office and explained that the outstanding balance is being processed through XXXX XXXX XXXX XXXX. At this point, I am ready to pay the outstanding invoice. However, I feel that XXXX XXXX and Credit Collection Services have been unjustly and unfair in their collection practices. First, for sending an invoice to the wrong address and second for sending the balance to collections when our insurance carrier is still processing the claim. 

I have documentation from our physician which shows that XXXX XXXX XXXX XXXX is processing our claims and I stand ready to produce such documentation. We need help in fighting these companies who wo n't listen and feel justified in using gestapo tactics to collect from hard working individuals who are suffering enough with health issues. We do n't know if our daughter will make it to her XXXX birthday. I 've tried explaining this to both companies but they refuse to listen or have compassion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out the form on XXXX once for the past two days, Experian and XXXX have not provided my credit report, citing " a condition exists '', and " we are experiencing technical difficulties '', respectively. XXXX   worked just fine. No further details that I can use to troubleshoot the issue are shown.