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

I recently received communication from XXXX, Equifax and XXXX attempting to collect an alleged debt. 
I send a letter to XXXX, Equifax and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants XXXX, Equifax and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.

* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.

* All statements while this account was open.

* Have any insurance claims been made by any creditor regarding this account?

* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * XXXX XXXX, Equifax and XXXX never responded! 

Further More XXXX, Equifax and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represent the character other Violations under 15 USC 1692 e that XXXX, Equifax and XXXX is implementing it self. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore XXXX, Equifax and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective November 30, 2021. Cease reporting this debt immediately or face legal action. XXXX, Equifax and XXXX lack permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently obtained a copy of my credit file and there are many mistakes in my report. XXXX - XXXX : Unverified account XXXX XXXXXXXX XXXX - XXXX : Unverified account XXXX - XXXX : Unverified account XXXX XXXX XXXX - XXXX : Unverified account
Product: Credit reporting, credit repair services, or other personal consumer reports

Name, address, and phone number is incorrect. I have send proof of address and driver license and they still will not remove it.
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 


Account Name : XXXX XXXX - Opened on XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Your company is reporting an account XXXX XXXX XXXX XXXX with incomplete account information. Update the full and complete account number without stars or delete this account due to incomplete account information. Failure to provide an accurate credit report without omissions will result in me filing a lawsuit against your company for willful noncompliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in letter to have my name and address updated. I attached a copy of my SSN and driver 's license, but only my name was updated.
Product: Mortgage

XXXX XXXX XXXX service my loan when I purchase my home end of XX/XX/XXXX2021. My homeowners insurance policy XXXX was furnished by XXXX XXXX at that time. Shortly after I purchase my home, an institution name Mr. Cooper purchased my loan from XXXX XXXX XXXX. In XX/XX/XXXX 2022, Mr. Cooper ( Nationstar ) sent me a notice letter stating my homeowners insurance lapse and requested proof of insurance. I immediately contacted XXXX XXXX for more information. XXXX confirmed the homeowners insurance was cancelled XX/XX/XXXX 2021 and a cancellation letter notice mailed to XXXX XXXX XXXX. I immediately secure a new homeowners insurance policy XXXX with XXXX and update Mr. Cooper with a copy. However, Mr. Cooper decided to force-placed an insurance on my property for over {$16000.00} back dated to XXXX 2021 despite admitting of being notified and failed to notify me and waited almost a year to do so. I honestly believe this is a common practice of this institution and will consult an attorney to explore my options. As I am writing this complaint, XXXX insurance still owe me the money paid up front for the homeowners insurance policy that was cancelled in XX/XX/XXXX2021. I am awaiting to hear from Mr. Cooper because this is outrageous and spiteful.
Product: Debt collection

I got a collection account on my credit report from Capio Partners XXXX XXXX XXXX. 
I have never in my life received any XXXX  or XXXX   XXXX, this debt is not mine and is a total fraud! I saw online many complains from other people that have also been having the same issues with this company Capio Partners I  need your help and support getting this collection account out of my credit report, it doesnt belongs to me, they are doing a total fraud. 
They have never sent me any proofs, letters or nothing. I called them and they even have my wrong Last Name on file! Thats even more proof this debt is not mine.
Product: Credit reporting

I received a debt collection notice on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX for {$670.00}. I immediately contacted XXXX XXXX XXXX on XXXX/XXXX/15 by phone and requested an investigation into this debt because i had not had any services at XXXX XXXX XXXX. I also submitted a response to XXXX XXXX XXXX disputing the debt in writing with returned receipt on XXXX/XXXX/15. I received a response from XXXX XXXX XXXX on XXXX/XXXX/15 that stated " XXXX XXXX XXXX has determined that your dispute request is valid and has provided the credit reporting agencies with the corrected information. '' I also received a updated statement from XXXX XXXX XXXX on XXXX/XXXX/15 that I had a zero balance due.This collection account was removed from all credit reporting files. On XXXX/XXXX/15, I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for {$670.00} with the same acct # from XXXX XXXX XXXX. I submitted a response to XXXX XXXX XXXX on XXXX/XXXX/15 with returned receipt requesting another dispute investigation and that this debt did not belong to me. On XXXX/XXXX/15, I contacted XXXX and Transunion to disputed the collection acct. On XXXX/XXXX/15, I received the investigation results from XXXX stating the collection acct was removed. However, on XXXX/XXXX/15 I received the results from Transunion stating that the acct was " verfied, no change ''. On XXXX/XXXX/15, I submitted a letter to Transunion with all of my evidence of this collection acct requesting that the acct be deleted from my credit file because I have successfully disputed the acct with the creditor in XXXX and received a statement that I did not have a balance. Also, I stated that I had sent XXXX XXXX XXXX a written dispute on XXXX/XXXX/15 and they have never responded to my dispute request per the Fair Debt Collection Act within 30days. And therefore, XXXX XXXX XXXX has failed to provide the requested proof that this debt belonged to me and can not legally verify that the debt belongs to me without conducting the proper investigation that was requested. On XXXX/XXXX/15, I received the investigation results from Transunion that stated " New information Below '' the collection acct remained on my credit file with no change. I contacted the Credit reporting agency on XXXX/XXXX/15 to find out why the acct was not removed and was told that the information that I submitted was not sufficient even though this acct was already removed before and clearly this acct is being sold to different collection agencies after I have already disputed this acct properly received a statement from the original creditor of a zero balance. I have recently been denied in XXXX credit by XXXX XXXX due to a collection being reported on my credit file and this acct has continued to have a negative impact on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violations attached Fair Debt Collection Practices Act Great Seal of the United States Long title An act to amend the Consumer Credit Protection Act to prohibit abusive practices by debt collectors.

Acronyms ( colloquial ) FDCPA Enacted by the 95th United States Congress Citations Public law Pub.L. 95109 Statutes at Large 91 Stat. 874 Codification Titles amended Title 15 U.S.C. sections created 15 U.S.C. 16921692p Legislative history Introduced in the House as H.R.5294 by XXXX XXXX on XX/XX/XXXX Passed the House on XX/XX/XXXX Passed the Senate on XX/XX/XXXX with amendment House agreed to Senate amendment on  XX/XX/XXXX ( ) Signed into law by President Jimmy Carter on XX/XX/XXXX United States Supreme Court cases Sheriff v. Gillie , No. 15-338, 578 U.S. ___ ( 2016 ) Henson v. Santander Consumer USA Inc., No. 16-349, 582 U.S. ___ ( 2017 ) Rotkiske v. Klemm, No. 18-328, 589 U.S. ___ ( 2019 ) The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ]
Product: Credit reporting, credit repair services, or other personal consumer reports

i have on numerous occasions contacted the 3 credit bureaus to delete these items which they refused to they have violated laws that i have listed below and because of this they have to delete these items immediately : 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. 

accounts to delete immediately : XXXX-acct # XXXX, XXXX-acct # XXXX, XXXX XXXXXXXX XXXX-acct XXXX XXXX XXXX XXXX XXXXacct XXXX XXXX XXXX-acct XXXX XXXX XXXXXXXX XXXX XXXXacct # XXXXXXXX XXXX XXXX-acct # XXXXacct # XXXX addresses to delete- XXXX XXXX XXXX XXXX, oh XXXX, XXXX XXXX XXXX XXXX XXXX ohio XXXX
Product: Checking or savings account

On XX/XX/2021 at XXXX XXXX I went to Wells Fargo ATM XXXX branch to withdraw {$300.00}. The ATM gave an error sign. I DID NOT RECEIVE ANY MONEY. I took my card out and wanted to make sure there was enough funds in my account before I tried withdrawing money again. MY ACCOUNT SHOWED THAT EVEN THOUGH I HAD NOT RECEIVED ANY MONEY THE {$300.00} HAD BEEN DEBITED OUT. I called customer service on the back of my debit card and filed a claim. They provisionally credited me the {$300.00} pending the investigation. I received a letter on XX/XX/XXXX dated XX/XX/2021, that their investigation was complete and there was no money over at the ATM, no error sign and they were taking the {$300.00} back on XX/XX/XXXX. I went to the Bank on XX/XX/XXXX and spoke with the branch manager XXXX XXXX who couldn't have been kinder. 
He spent an hour on the phone with the ATM investigation unit and they said that I received the money 7 seconds after putting my card in. WHY WOULD I FILE A CLAIM IF I ALREADY GOT MY MONEY. I insisted I see the video footage and they said unless there is fraud they won't look at the video surveillance. The bank manager filed a claim for me and they had ten days to respond. I called today and ( XX/XX/XXXX ) and they said a letter was sent to my home on XX/XX/XXXX ( which I haven't gotten ) that their investigation is complete and they agree with the ATM people. SO I LOST {$300.00} OF MY HARD EARNED AND THEY COULDN'T CARE LESS!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my Equifax credit report from XXXX XXXX XXXX that was just added in the month of XX/XX/XXXX. The account is showing a status of open and last reported to Equifax on XXXX XXXX. However this account was never on my Equifax credit report until XX/XX/XXXX. Not only is this account reported incorrect but should have not been reported to Equifax at all given the fact that this account was included in bankruptcy and discharged on XX/XX/XXXX, and was only reported to XXXX which have it listed as closed due to the bankruptcy. I have put in a complaint with Equifax about this issue but did not come to a solution because they are stating that the information they have received is accurate when in fact it is inaccurate.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX and spoke with XXXX on XX/XX/2024 at XXXXXXXX XXXX  XXXX the following accounts that are showing paid on my credit report however disqualify me from being able to rent a home. I asked that these accounts be deleted from my report as they are paid and I was advised by XXXX that even though they are paid, they stay on the account for seven years after delinquency date is submitted, which makes no sense because if I would have never paid the debt, the account would have fell off of my credit within XXXX years as well. The accounts that need to be removed are as followed XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. all these accounts are paid and positive standing therefore, its only right that they are removed because though they are paid, they are still reflecting negatively on my rent and credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Dear customer service, I received an email from XXXX XXXX that my XXXX XXXX  sent a 30 days late payment to all 3 credit Bureaus. Let me first explain my situation. I closed most of my credit carts about 2 years ago through XXXX XXXX XXXX 's department. Every month I am paying them the amount that creditors agreed with them. During the Covid 19 I was not able to pay the full amount due to my financial hardship. It was the first time that I paid less amount to my credit card companies. However, I have already paid the full amount and make them current. The only bank that didn't remove my late payment is XXXX XXXX. I have already made a disput with all 3 credit bureaus and received an email from them that they are unable to remove the late payment from my history. Today I called to XXXX XXXX  and humbly request them to do something for me and ask them to let me to make a disput with them, but they said they are not able to do anything for me. I told them I have already spoken with their customer service department and explain them I am not able to pay my full amount but the supervisor told me they have never received a call from me. I swear to God I talked with them a month ago and explained them why I can't pay the full amount and they accepted it. Now, they say I have never talked with anybody in their department which is so weird. I humbly request you to understand my situation and do something for me. I have never had any credit problems with any companies before and this late payment really bothers me. Because of the late payment report my credit score dropped by many points and I am really sad that why I was not able to pay the full amount to them. I thought that XXXX  XXXX  will understand my situation and remove my late report because I am sure that this might happened to many people during this Covid 19 pandemic.
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Experian Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 1. XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA 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 ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

4. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

5. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.5. The following account was a Charge-off. 
6. Balance should be XXXX. 
XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 


The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.

Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.

Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours, XXXX XXXX
Product: Student loan

In XX/XX/2023, I sent a complaint to CFPB about Mohela ( see attached ). Mohela replied in XX/XX/2023, with an explanation, which I was grateful for since this was the first communication clarifying how I may resolve the issue. In XX/XX/2023, forms were submitted that addressed the previous issue.

The current issue is that these forms were supposed to be included as part of my payment counts within 90 busy days. It is now 90 busy days since the forms were uploaded on XX/XX/2023. 

This is an issue because as of XX/XX/2023, I have met the required 120 months of public service. However, I can not put my account into forbearance through electronic certification because Mohela has not properly updated my payment count.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and as a result, several accounts listed on my credit report are fraudulent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit file : Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$110.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$240.00} XXXX. XXXX XXXX XXXX - XX/XX/XXXX - {$11000.00} Fraudulent Inquiries : XXXX. XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act ( Acct Name- XXXX XXXX XXXX Acct Number- XXXX ), and have violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove these late payments and update this account immediately to " paid on time '' as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is purposely NOT helping me with my credit inquiries. I keep getting letters like this, even though I ; 've sent in mutipal times ALL of my ID + more then they ask for.

This letter is just another example of their XXXX. 

I'm asking CFPD to step in ASAP and get them to STOP sending these letters and also REMOVE the account in question from all my previous complaints.

I'm living in XXXX XXXX thus I have help from a counselor here at a men 's selter ( like today ) to get paperwork sent in. 

I've been dealing with this since XXXX of this year. WAY TOO LONG for a person to be going through a VERY bad time. 

Yes, I'm depressed and genuinely wish I were dead because of their LACK of help on this. 

WILL SOMEONE DO SOMETHING TO HELP ME OUT!!!!
Product: Credit reporting or other personal consumer reports

I requested a full credit report from Equifax two weeks ago. I still have not received it and I can not access MyFico or even XXXX. This is a violation of the Fair Credit Reporting Act.