23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Every year after renew my home insurance I have same issue with my TD bank mortgage to furnish them updated information. They sent me 3 letters already to request update my home insurance and treated me to obtain their insurance much more expensive than I already have. I sent to them bunch of emails with attachments of my insurance information, I sent them also letter with a copy of my home insurance, I called them several times to explain what I did. Finally they received according what they said requested information. This whole thing cost me lots of nerves and frustration about totally ignored incompetent people. I'm fearful already thinking about next upcoming renewal my home insurance and going through this again and again.
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. ( CFPB ). 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, credit repair services, or other personal consumer reports

This account has been disputed several times to TransUnion, XXXX, and XXXX and the outcome is always VERIFIED as ACCURATE. The pages attached are from TransUnion and XXXX   is also reporting identical data. 
XXXX XXXX XXXX sent me a IRS XXXX Discharge of Debt on account number XXXX and the date reflects XX/XX/XXXX in the amount of XXXX which differs from the {$2400.00} currently reporting as accurate. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-5 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-3 ) a {$2400.00} balance, {$1700.00} past due balance, charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-2 ) a XXXX  ( XXXX ) balance, paid charge-off. 
XX/XX/XXXX, XXXX XXXX is reporting ( pg-1 ) a {$2400.00} balance, {$1800.00} past due balance, charge-off. 
On XX/XX/XXXX, I mailed an Affidavit of Truth and fact to XXXX XXXX to clear up the problem of reporting unverified information from XXXX XXXX ; a similar affidavit was mailed to XXXX   with a notary of the public page completed in blue ink. Both TransUnion and XXXX failed to refute any of the facts including dates of dispute and demands to produce Method-of-Verification and Proof-of-Verification. The credit bureaus ( Trans Union and XXXX ) are using automated dispute equipment to process these disputes and a machine is unable to determine the difference between a dispute and a legal document, a computer is unable to render a fair decision outside of its programmed inputs. This is not a reasonable investigation as outlined in XXXX V TRANSUNION ( XXXX ). I OBJECT to the use of XXXX   as the method of verification ( MOV ). Dispute results were sent to me and some of the data listed was obtained directly from the foregoing affidavit and not a dispute. 
XX/XX/XXXX, I mailed the attached Affidavit to XXXX to produce Proof-of-Verification in the form of a sworn affidavit or the production of the original Loan Agreement bearing my signature. USPS certifies delivery on XX/XX/XXXX ( tracking provided within the attached file ). There is a ten day clause included for XXXX to notify me of their refusal to comply, nothing was sent to me by XXXX indicating their intent to deny proof-of-Verification. 
Any reasonable person can see that the CRA is just passing on information provided by XXXX and there is NO PAPER available that can VERIFY the INACCURATE information disputed over the past year. In the past, XXXX has sent me some statement pages that do not identify the charges in question that are believed to be charged without the card present and the result of Identity Theft. XXXX and TransUnion have been notified to block this account under FCRA Section 605B.
Product: Debt collection

Started reporting collection months ago. Has drastically damaged my credit report, making it next to impossible to get housing.
Product: Mortgage

My ex husband got a house with me in my name then he XXXX XXXX  me and I moved out and filed for XXXX and the magistrate ordered him to refinance to get in his name in XX/XX/202. He didnt do the magistrates order, I had to take him to court for contempt and finally won in XX/XX/2023. I need this removed from my credit. Thank you for your time.
Product: Debt collection

To whom it may concern, My dispute originally started on XXXX. The above company XXXX Credence Resource Management ) is currently violating both 15 U.S.C. 1681s-2 and Regulation F, which ended on XX/XX/2023, for not properly validating this debt as previously requested and received in writing from me on XXXX per my attached XXXX proof of delivery. When validating the amount owed, they only sent the agreement and old statements but failed to show proof of the following : 1. The date on which this became a debt up to our current date 2. The amount I was charged in interest that makes up this debt 3. The amount I was charged in fees 4. The amount I have paid in total on the debt 5. The accurate amount due ( From the above # s 1-4 ) as of today Also, this company is currently in violation because they knowingly violated 15 U.S.C. 1681s-2 as well, which ended on XX/XX/2023, by not removing the tradeline as requested with incorrect information on my consumer report. 
1681s2. Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. 
( 2 ) Duty to correct and update information A person who- ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the person 's transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate. 


Therefore Im requesting to have this debt immediately removed from all of the consumer reporting agencies that Credence Resource Management reports to no later than XXXXive business days of this CFPB filing, or I may be required to pursue legal action for their violations.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, and XXXX did not investigate my dispute. The error keeps coming back verified. I asked them how they went about verifying the account and who they spoke to. I never received a response. 
I have all the documents that they need to delete the account that does not belong to me off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of the accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX XXXX / Account # : XXXX has violated my rights. 

XXXX. XXXX Original Creditor XXXX XXXX XXXX / Account # XXXX has violated my rights. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX has violated my rights. 

XXXX. XXXX / Account # : XXXX has violated my rights. 

Wrong Addresses. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction. 15 U.S.C 1681C. Section/ ( 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 reports by more than seven years. 15 U.S.C 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Made contact on XX/XX/XXXX by Phone ( XXXX ) XXXXLocal and ( XXXX ) XXXXFax. Also by email XXXX to Merchants Credit Association XXXX XXXX XXXX XXXX XXXX, WA USA XXXX with a copy of Dismissal without prejudice signed by a judge XX/XX/XXXX. The first representative stated it should be taken of asap, call back at XXXX. Return call, 2nd make representative stated he can't di anything he will leave a message for the case manager who I spoke to earlier. But he did confirm the receipts of the judge signed dismissal without prejudice. Make contact the next morning, when a female representative stated sharply that I still owe, so she will not remove it, and finally stated I had to call XXXX Write at XXXX the original owner, and very rudely concluded I can't help you.
Product: Credit reporting

Experian is reporting late payments on an account that has never been late. the account is with XXXX XXXX XXXX XXXX. I have supporting documents from the officials at XXXX that support the fact that i have had unblimished perfect credit with them. I have filed disputes with experian to no availe.
Product: Credit card

I disputed th must it my credit card and bank as soon as I saw it on my card. I sent a copy of the charge. They refunded the amount to my card. They said they had to allow the merchant t ruling 30 days but the merchant didnt and they charged it back to my card again regardless if the merchant contacted them. I filed another dispute amd they refunded the money back to my account amd then a few weeks later said the merchant still had not replied t the request amd they added it back to my card account. I had the Bank manager where I bank call the Credit Card Company amd the Merchant and she talked to my Credit Card Company who she works for amd they credited my Credit card the money again then on XX/XX/XXXX they sent me a letter stating the credit card company said that I had not file a complaint in the requires 60 days complaint time and they could not help me. All my bank statements prove I filed XXXX disputes from XX/XX/year> through XXXX XXXX. The first dispute was filed in XX/XX/year> less than 30 days from the original charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a complaint with all credit bureaus regarding XXXX XXXX including the cfpb. I have requested documentation stating that the XXXX account was actually charged off and that proper Fair Credit Reporting rules were followed and I can not receive that information from the credit bureaus or XXXX. XXXX did not provide any of this information to the credit bureaus as well. I have had no way to dispute the statements made by XXXX through any of the credit bureaus and I am just supposed to take the information given as is with no recourse. XXXX also has evidence including verbal confirmation that is on a recorded line that they took for payments and put it at the end of my loan. Why would they put my loan in charge off status when I am still paying it? Why would they be allowed it to not have to notified me of charged-off debt is or provide me any documentation I requested regarding it? They provided none of this information to any of the credit bureaus and I have disputed this multiple times with the credit bureaus we have not thoroughly investigated these things or allowed me to dispute them. The CFPB has done a poor job at holding people accountable just as the credit bureaus have also done a poor job at holding people accountable. XXXX XXXX needs to provide information I'm asking for and I have repeatedly asked for over the last two years. It needs to happen immediately. I want the four payments that were put at the end of the loan I'm very specific dates documented to all agencies. I want all documented evidence of letters sent to me that they followed fair credit reporting practices and notified me in writing by providing me copies of the letters. I have requested all of this information multiple times in writing and verbally and it is all documented. They illegally charged off my account. They are not following Fair Credit Reporting. Something needs to be done. I will keep filing complaints and pay nothing until I get what is required dent to me by law and issues corrected.
Product: Debt collection

Threatened to garnish my wages and said that my SS # was flagged.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit card

XXXX I recieved a letter stating First National Bank Of Omaha sold financials to XXXX XXXX and the final process will be XX/XX/year>. 
In review of this material, They will be charging me {$89.00} per year for them to maintain paperless accounting. 
I called both financial establishments, was on the phone for XXXX hour and XXXX minutes, regarding this new fee. 

I was told by XXXX different people, XXXX different stories. 
Yes, I will pay a new created fee {$89.00} per year. 
Yes, I will only pay {$50.00} New Fee. 
Yes, Or you can " opt out. '' (? ) You can go online and get a new card with XXXX ( XXXX ) yearly Fee! 
Will I loss over XXXX points should I " Opt Out '' They are not sure. 
How is it no one can give me details? 
The one man said, I'm lumped into this becasue " I have a low Credit Score and I'm an XXXX XXXX. '' XXXX XXXX XXXX/ XXXX XXXX Is that considered low credit score by todays standards? 
I'd like to cancel this Credit Card if I'm going to be charged {$89.00} per year for it's utilization, yet I'm not willing to relinquish my earned points! 
Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was stolen in XXXX since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Debt collection

Disputed an account that I didnt open on my report they not only said it was verified but reopened it! LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICES XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX DATE OPENED XX/XX/XXXX DATE REOPENED XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have requested an update of my credit report and credit score which by law I am entitled to and the company has failed to update
Product: Credit reporting, credit repair services, or other personal consumer reports

FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING PLNTFORD Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING TOMPEACOCK Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING 12 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXXDate of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING
Product: Credit reporting, credit repair services, 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 XXXXXXXX, 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 An other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Mortgage

This property has sat unoccupied and with little maintenance by the Owner/Property Manager for a year. The Association has had to take over landscape maintenance and has spent countless hours trying to contact the property manager asking them to maintain the property to little/no avail. The Association has incurred a substantial amount of fees as the result of the lack of maintenance on this property which likely we will not recoup. Surrounding properties have filed multiple complaints with us as well as the property management company. Surrounding property owners have commented that the appearance of this property has detracted from the value of their property.
Product: Credit reporting, credit repair services, or other personal consumer reports

The List of Accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Item : XXXXXXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX Opened on XXXX XXXX and XXXX XXXXXXXX, Account # XXXX opened on XX/XX/XXXX XXXX XXXX, account # XXXX opened on XX/XX/XXXX XXXX XXXX account # XXXX Opened XX/XX/XXXX XXXX XXXX  Account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604A Section 2 : it also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of cries which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting

the address from California is that of the person who stole my identity 10 years ago.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNT NOT MINE XXXX XXXX - XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX
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. I sent a letter on XX/XX/XXXX to remove account that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any account or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Product: Debt collection

Many calls received daily. They do not leave a message. I tried to call back today ask what they are about. They are asking my information in turn. Looks like it is a big fraud. Please verify this business.
Product: Debt collection

Got a letter about this auto loan in collections, and they have been calling my XXXX XXXX XXXX mom advising her about attorneys, so I got this letter and called them said was for and XXXX XXXXXXXX auto back in XXXX when it was purchased I advised them never owned a XXXX or financed a XXXX advised of Identity theft back in XXXX where the female was arrested and did a year in prison so I was advised to file this complaint.