23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

While monitoring my credit, this collection account showed up on my credit report. Immediately wrote them a letter requesting validation, bearing my signature, on XX/XX/XXXX and sent it out, certified, return receipt mail, which they signed for on XX/XX/XXXX. 30 days from the date they signed for this letter would be XX/XX/XXXX. There should have been a statement of dispute added to my credit report by the close of business on this day to comply with credit reporting laws. They wrote me a letter back on XX/XX/XXXX and indicated that their client confirmed the name, address and amount owed and sent a print up of a bill. This is not validation of anything. This is not the information I requested. I requested validation, bearing my signature, as the only person who can validate my signature is me. I wrote them a letter again on XX/XX/XXXX again telling them this is not validation and making a second request for the information I am legally permitted to request and receive. They responded on XX/XX/XXXX and basically said, we already sent this once, and we will do it again this time, but we do n't have to keep doing this, in so many words. They still did not send me validation. I then wrote them a final notice letter on XX/XX/XXXX, stating I felt they are acting in bad faith and that they have failed to comply with the laws and unless they took appropriate action, I would be forced to elevate that situation. They have completely ignored me since. I have attached copies of all documentation listed in this complaint as well as a copy of my credit report to show that as XX/XX/XXXX, my credit report still does not show the disputed statement.
Product: Credit reporting

On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for XXXX of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. XXXX was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for Experian because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for Experian is listed in the report that was sent to me, and no phone number is listed on the website. I tried to request online, but did not get any help.
Product: Credit reporting

Equifax , please look at the screen shots, the Activity Designator says " N/A '' and should not. 

The " Activity Designator '' should be- " CLOSED ''. 
There is a " CLOSED Date '', or XXXX 2016. 

Please correct the Activity Designation to be CLOSED. 

The HIGH Credit displayed in the screen shot, is inaccurate, as the Balance History reflects the true " HIGH CREDIT '' The comments then say, the HIGH CREDIT is my limit - and as a result, can not be true. 

Please delete those comments that were added.
Product: Debt collection

I purchased a XXXX Porsche XXXX in XX/XX/XXXX from Porsche XXXX XXXX and used Porsche XXXX XXXX for the loan. 

I purchased a new car XX/XX/XXXX from XXXX XXXX. XXXX XXXX immediately cut a check for the full payoff amount per the payoff statement of {$9300.00}. Porsche received the check ( Check # XXXX ) and cashed it on XX/XX/XXXX. Following the cashing of XXXX  XXXX 's check in late XXXX, Porsche continued to take money from my account in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Monday, XX/XX/XXXX, I received a check for TWO payments only ( {$1300.00} ) for reimbursement despite being owed 3 payments. They accepted the full payoff amount in XX/XX/XXXX and still took out 3 payments following the cash out plus trying to take ACH Debits out of my account 4 months later! 

XX/XX/XXXX, I received correspondence from Porsche XXXX stating they are reporting me to the credit bureaus for late/default payments and penalties because I blocked payments, however, I do not owe any money. They will not return my calls ( I've been speaking with PFS and XXXX who is higher in charge at XXXX ) about whats going on. They reported in XX/XX/XXXX to my credit bureaus that I was paid off. So what are they trying to collect from my bank account? Thank goodness I did a stop payment with my bank!
Product: Mortgage

I had applied for a mortgage with Prosperity Home Mortgage LLC in XXXX of XXXX with Loan Officer XXXX XXXX NMLSR XXXX. I and my Real Estates Agent XXXX XXXX were told at the time everything was " a go '' and we could begin to look for properties. We found a property at XXXX XXXX XXXX XXXX, Tx. XXXX and put in an offer. Mr. XXXX said at that time all was good. I talked with him several times on the phone. I was concerned because I knew that there were issues with my credit being borderline, but he continued to say that " we're good. '' According to my credit report he checked my credit on XX/XX/XXXX. After the offer was accepted and Mr. XXXX told me " we're good '' I paid {$470.00} dollars for a Home Inspection with another {$50.00} for termite inspection. I then received a message from Mr. XXXX office that they need {$550.00} for appraisal. I sent that to them that day. During this time my realtor, the seller 's realtor, and myself ask Mr. XXXX to supply the loan letter to the seller 's agent. Each time he said he would get that to her that day. We were set to close XX/XX/XXXX. Title work was complete and all was ready. Mr. XXXX asked for a delay of 7 days. I then was bombared with request for the same paperwork over and over, He began to talk about issues with my credit to my agent, but still had not pulled it a second time. He would not talk to me directly during this time. He would not tell me directly that I wasn't getting the loan but told my agent she needed to find me a home to rent. XX/XX/XXXX came and the contract was not funded. I have never received the paperwork that denies the loan or shows why that is required by law. When my agent attempted to find out what was going on he stated only " I never gave you a loan letter. ''
Product: Debt collection

In willful violation of Consent Order XXXX, FAY SERVICING LLC has caused a Foreclosure Action to be taken against my estate by filing false fictitious forgery documents in the SUPERIOR COURT OF CALIFORNIA COUNTY OF CONTRA COSTA XXXX XXXX XXXX XXXX Loan # XXXX even though the Order strictly forbids FAY SERVICING LLC from moving forward with any Foreclosure at XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX standing and proof of claim. A Writ of Possession and Eviction to be executed on or around Wednesday XX/XX/2023 has been issued XXXX # XXXX, Contra Costa County Sheriff 's office Civil Unit, XXXX XXXX XXXX, XXXX, CA XXXX lacking territorial jurisdiction i violation of due process. ( XXXX ) XXXX. FAY SERVICING LLC, XXXX XXXX XXXX XXXX XXXX  are currently engaging in Mortgage Foreclosure Fraud, Financial Identity Theft and Breach of Fiduciary Duties among many other financial crimes without remorse or regard to the interest of the public trust.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2900.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against Equifax and XXXX for Reporting Inaccurate Information Dear Sir/Madam , I am writing to formally file a complaint against Equifax and XXXX regarding the inaccurate reporting of information related to my XXXX credit card account. I believe that these inaccuracies violate the Fair Credit Reporting Act, specifically under 15 U.S. Code 1681, which emphasizes the importance of accuracy and fairness in credit reporting. 

My XXXX credit card has a closing statement date on the XXXX of every month. However, I have noticed discrepancies in the information reported by both credit bureaus, leading to a significant drop in my credit score. Enclosed are my recent credit card statements and screenshots demonstrating that Equifax has deducted XXXX points from my credit score, while XXXX has also shown incorrect updated information on my credit report. 

These inaccuracies have caused me undue stress and may affect my financial opportunities. I respectfully request that you investigate this matter and take appropriate action to ensure that Equifax and XXXX correct these errors in my credit report. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd 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 alleged fraud or extortion. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00}, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$5900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I would like to share that this company went into business with a corrupt, fraudulent, predatory loan company named XXXX XXXX XXXX. I had solar installed at my home from a company called XXXX XXXX that is now out of business and went bankrupt. I'm a customer that has a loan and they listed me as a creditor because they owe me {$7000.00}. I spent {$81000.00} that XXXX paid XXXX way before installation. I tried to cancel this loan and they wouldn't let me. I have a balloon payment in 18 months to come up with 26 % of my loan or payment will go up. Hmmmm ... .coincidence that it's the same percentage that XXXX  stated we would get back in taxes? Yea, I think not. I pay $ XXXX {$1000.00} a month between my loan and my electricity. I'm a XXXXXXXX XXXX veteran and YOU ARE BACKING UP AND GAVE MONEY TO A PREDATORY LOAN COMPANY! Your credit union is all over my contract, they're buying shares in their customers name WITHOUT their knowledge. My system don't even work and I HAVE to keep paying. They put a lein on my home, this is criminal!!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to section 15 U.S. Code 1692g ( Validation of debts ).

1. I want all creditors to send me a detailed list of the history of payments made by me on this account.

2. I want to see the signature that I put on a contract guaranteeing that I would pay this creditor.

3. Im asking to see has there been any insurance claim filed on this debt.

4. I want proof that you have the chain of title to collect on this debt.

15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes thedebt collector to cease furthercommunication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

In addition, Im requesting a description on how the investigation was conducted along with the name, address, telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from this investigation, i am requesting that an updated report be sent to those who received my report within the last two years or employment purposes, or any purpose. 

Thank you for your prompt attention in this matter. 

XXXX XXXX
Product: Payday loan, title loan, or personal loan

I ordered a product from a company XXXX for a fitness tracking watch in XX/XX/2018 for {$40.00}. The tracking number that XXXX provided is XXXX never received the watch. I had attempted to reach out to the company and they would never return my call or contact me by email. When I was unable to have them acknowledge my request. I then reached out to Paypal Credit to file a dispute that I never received the product. Paypal claims to have opened a complaint case and they contacted me with the results. They sided with the shipper saying that the item was delivered. To this day I still have not received my item. I contacted Paypal again and asked them their reasoning why the agree with the shipper. Paypal said that they provided a tracking number. I asked them that the tracking number provided only showed shipping progress from XXXX to XXXX XXXX in New York and not tracking information from there. Paypal said that they said the post office delivered it to my address. This did not happen. They then said I need to check with my post office. It is not responsibility to check with the post office. That is for them to do if they are researching where the product is.
Product: Credit reporting or other personal consumer reports

The following accounts have violated my federally protected rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX  ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX THESE ACCOUNTS ARE NOT MINE. 

Upon reviewing my Equifax credit report on XX/XX/year>, I found incomplete and inaccurate information. According to the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies must follow reasonable procedures to ensure the utmost accuracy of information in consumer reports ( 15 USC 1681 ( e ) ( b ) ).

Under 15 USC 1681 : Consumer reporting agencies are required to promptly delete or correct inaccurate or unverifiable information after a consumer dispute ( 15 USC 1681i ).

They must promptly inform the information provider if any information has been modified or deleted due to a dispute ( 15 USC 1681i ). 
Consumer reporting agencies are prohibited from providing information to any consumer reporting agency if they know or have reasonable cause to believe it is inaccurate ( 15 USC 1681s-2 ).
Product: Money transfer, virtual currency, or money service

Im filling a complaint against CASH APP ( BLOCK INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

I was sent a letter in the mail stating I could be approved for a loan of {$6000.00} by XXXX XXXX XXXX. I went down to the bank to apply for the loan and I was denied. Upon further investigation I discovered that XXXX XXXX XXXX had requested my credit report XXXX times prior to them sending me a loan offer on the dates of ; XXXX XXXX of 2015, XXXX XXXX of 2015, as well as XXXX XXXX of 2015. I did not authorize any of these checks into my credit and I refuse to allow their inquires to have a negative impact on my credit score. The representatives at their location was incredibly rude and argued with me despite the fact I have the information on paper right in front of me stating they pulled my credit score on those dates. I can be contacted by phone at XXXX or XXXX. I can also be reached at XXXXXXXXXXXX. I will do anything in my power to dispute these unauthorized checks into my credit score and I would also like this information to be passed along to the XXXX as this has been done illegally against my will. Please contact me if you need any information from me in regards to this matter as I will be more than happy to provide it to you.
Product: Credit card

Take a look at the attached documents. I request the bureau to initiate an investigation into these accounts, as I am consistently on time, but they are wrongly reported as late.
Product: Credit reporting or other personal consumer reports

I reached out to the credit reporting agencies and informed them that the inquires which I will include below and attach a document were unauthorized but I didn't receive any help or response. I reached out on XX/XX/2023. I have also included the rules and regulation below for such cases. 

Transunion Report XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2023 XXXX XXXX XXXX XXXX ( Auto ) XX/XX/2023 XXXX XXXX XXXX ( Finance ) XX/XX/2023 18 U.S. Codes 1028A Aggravated identity theft
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX sent XXXX a letter on XX/XX/XXXX saying the appreciate me for choosing them as a new home and are sorry to see me go ( I've lived in XXXX  for XXXX decade now ). Attached was an invoice dated XX/XX/XXXX for application, admin, and nsf fees due totaling the amount of $ XXXX spoke with the complex and asked them to send me what they have ( app, id, something ) and they refused since i told them this is fraud and I've never applied here. They said don't worry about it and it will be taken care of. I've made a police report about this and several other complexes this girl has applied to, XXXX case # XXXX XXXX case # XXXX. This past weekend I received an email from XXXX saying my credit file has been changed and my score decreased. I opened the email and saw there was an open collections account Columbia Debt Recovery LLC in the amount of {$550.00} for XXXX XXXX date opened XX/XX/XXXX, balance updated XX/XX/XXXX. I am waiting for the bureaus to open so I can call and dispute this once again.
Product: Debt or credit management

I signed up with Clarity Debt Resolution at the beginning of XXXX as I was drowning in credit card and personal lo had exhausted my savings and was desperate for help. They promised to settle my debts quickly at a " fraction '' of the price. Six months later and they have only settled one debt and the settlement amount was for 70 % of the original debt. They then charged nearly {$5000.00} in fees which means Im still paying the same amount for the debt. They have not returned emails. They never disclosed that I would be paying XXXX of dollars in fees. They have been harassing me to sign up for some prgram that charges additional monthly fees. They were very aggressive and pushy. I had saved about {$5500.00} in my account with them and its all gone and only ~ {$650.00} has been paid towards my debt. I was scammed. I want my money back. I would be better off settling the debts myself. I originally signed up for this program on XX/XX/year>. I began paying {$730.00} per month after initially making XXXX payments in XXXX of {$730.00}. All of my credit cards have been closed, which they promised me would not happen. When I inquired about this I was told " Don't worry. They will send you more cards ''. I reached out to the company in XXXX when I noticed that not a single debt had been settled. I emailed XXXX XXXX who was the representative I signed up with. He emailed me back once and told me " It doe n't usually take this long '' and that he would " reach out immediately ''. That was the last I heard from him. I have sent 2 other emails to him since and have not received a single reply. I then sent an email to general customer service last week and received a reply from them telling me to reach out to my representative. My credit went from XXXX to XXXX. They told me this wouldnt happen. That everything would be resolved quickly and that my accounts would stay open and my credit score would quickly rebound. None of this has happened. This has reuined my life. Now I'm not able to pay my bills and my credit is shot. I have a kid applying for college and I can literally do nothing to help him with loans, etc. I feel so helpless and lost. My accounts have racked up XXXX of late fees and charges. I so deeply regret my decision. I feel like I will never recover from this. I have never been so financially unstable in my life.