23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX XXXX XXXX XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( XXXX ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into a DMP with XXXX XXXX  in XX/XX/2020. I lost my job in XXXX due to covid, and was unemployed for several months. The only way to get out of this mess is to go to a 3rd party to get a lesser internet rate to paid down my credit cards. It doesnt make sense the consumer has to pay another company, so they can get a lower rate for their credit cards does it? I had to live on them during my unemployment period. Now Barclays XXXX last 4 numbers reported me late without notifying me. I got reported late for under XXXX dollars. I paid XXXX XXXX which then turns around and pays Barclays. In exchange I can get a lower internet rate and payment amount. From my understanding once you enter this agreement with XXXX it doesnt matter what day the payment is received during the month. I pay them twice a month and they then pay my cards. In XXXX after Barclays excepted my agreement from XXXX they didnt change my payment amount and in turn reported my late to the credit bureau.They never sent me a letter. I have asked for them to procedure a copy and they cant. They cant even tell me when I was contacted on the phone but they still report me late to my credit report. I want this removed from my credit card. Can you please help me. I am a single parent trying to pay them back and this is just double standard for the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX and Transunion did not help me remove the accounts after so many attempts of writing dispute letters.. I asked for evidence, any documentation that could prove the accounts are my responsibility but they didn't..CFPB step up and remove XXXX ( Original Creditor : 06 XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Retrieved a credit report XX/2017 and noticed that there were several accounts that had been removed from my report had reappeared on my credit report. I am aware that I am to be notified of this information within 5 days in which I have never been notified of. I reached out to XXXX, XXXX and TransUnion on XXXXXXXXXX around XXXX ( EST ). I made the request to have fraudulent and/or inaccurate information removed from my credit report. I faxed a written request with a copy of my driver 's license, passport and a utility bill as proof of identification. The fax was successfully transmitted to XXXX on XXXXXXXXXX at XXXX, XXXX on XXXXXXXXXX at XXXX, Transunion on XXXXXXXXXX at XXXX. To date, I have received updated personal information reports from XXXX and Transunion. I have not received any notification from XXXX. I have also been a victim of the most recent data breeches and I have added a fraud alert to my credit file after being made aware, via identity verification, that my information had been affected by the breech in XXXX. There are numerous inquiries being reported on my credit file that have not been authorized by me, therefore, are fraudulently being requested. I can verify that there should only be a few inquiries listed on my credit file from XXXX XXXX XX/2017, XXXX XXXX XX/XX/2017, XXXX XXXX, XXXX XXXX XXXX and XXXX ( XXXX XXXX XXXX ) in the latter part of XXXX. There were several accounts and inquiries that were removed and re-added to my report after the first breach of XXXX under multiple names ( XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX ) without notifying me which is also a violation. While I am not saying that the addition or removal of this information from my report is due to the breach however, I feel that it could be related. I am not denying owing any debt however ; I am requesting that the information being listed on my report is being done without violation. I am well aware of my rights as a consumer and I have tried to resolve these issues with the credit bureau on several occasions and the failure to respond to such request has made this complaint necessary. I have reached out to some of the creditors who have placed inquiries on my credit file and informed them of fraudulent activity/requests and requested that these inquiries be removed. I was advised to contact the credit bureaus to resolve the issue. I am being passed back and forth with no real resolutions therefore, I am filing a formal complaint. Prior to being made aware of this information, I was unaware that this information was being reported in the manner in which it was therefore, I am reaching out to all bureaus to rectify the issue.
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously, as my credit report contains accounts and items that are not mine due to mixed and inaccurate reporting. This situation has caused me great frustration and anxiety, as it continues to impact my financial stability.
Product: Credit reporting, credit repair services, or other personal consumer reports

I inquired about an equity line of credit in  XXXX  of  XXXX  with   XXXX   XXXX   XXXX   XXXX  . On  XXXX / XXXX / XXXX , someone posed as me in front of a notary at the branch signed my middle name wrong and found out the branch manager  XXXX   XXXX  was n't even a notary under that commission number that show 's on the deed of trust which I never signed. This loan balance is  XXXX  as of  XXXX   XXXX ,  XXXX .  XXXX   XXXX  stole my identity to embezzle {$95000.00} dollars by doing electronic deposits from  XXXX   XXXX . The reason I say it 's embezzlement because those amounts were deposited but never charged to the equity line. I have all the evidence to show the proof of fraud. Never once did I sign or authorize any  one to u se my identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX  Balance : {$4400.00} ; XXXX XXXX XXXX XXXX Balance : {$1100.00}.
Product: Student loan

Good day, Due to the fact that I have to take care of my mother, home expenses and bills, I have not been making payments or consistent payments to my student loans. The money that was being used to make payment on all loans has now been for my mother, as we live together, care and well being as she does not work. My mother is currently attempting to appeal her XXXX which was stated by the law firm that took on her case as a 18-24 month process as she has been hospitalized with her condition for 16 times within 3 1/2 years. We are currently waiting for her doctors to set up a date for  one or both of her XXXX XXXX. 

I attempted/currently attempting each month to make payments to My Great Lakes which the total owed to them is {$30000.00} as of this date, XX/XX/XXXX. I put whatever I can on it when possible as I am no longer eligible for forbearance according to their website information system. 

Also, I have XXXX XXXX which is {$790.00} as of XX/XX/XXXX and XXXX student loan for {$95.00} a month. When I talked to a representative vial phone call from XXXX XXXX, the gentleman stated that I may not be eligible and that he would submit my information in which time a representative will be emailing me the decision. These has not been paid for 3-4 months as my mother health has been an issue for going on four years now and I have to take care of her and her portions of the bills as we were partnering on all bills for many years. 

In addition, the issue with repayment originally stemmed from the complaint I submitted from XX/XX/XXXX stating that we did not get properly educated with the constant swapping of instructor whether in beginning of the semester, mid-term, etc. We were also misled financially and job opportunity wise. This is part of the exact same reasoning XXXX XXXX XXXX were shutdown immediately in XX/XX/XXXX. This was 6 months after I filed my complaint. I must admit that I did not originally call the Administrative Director over the campus but once my case was closed I then attempted several times to call the Administrative Director with no success and by that time the news of XXXX XXXX closing had already happened. 

I am nowhere close to a good financial situation as I have already did the first step to officially filing bankruptcy by completing the Certificate of Counseling through XXXX XXXX XXXX. Even still, I do not have the {$1800.00} ( {$1500.00} for hiring lawyer and {$330.00} for filing documents ) to even follow through with that. I am also sure that my income tax will be garnished and feel like I am at a dead end. 

My head is spinning in some ways I do not know what to do and need some kind of assistance or relief.
Product: Debt collection

XXXX XXXX Account # XXXX NCB Management Services XXXX XXXX XXXX XXXX XXXX XXXX **Subject : ** Cease and Desist Notice Pursuant to 15 U.S. Code 1692c Dear NCB Management Services This letter serves as formal notice under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c, that you must cease and desist all communications with me concerning the alleged debt associated with account number XXXX, I have the right under the FDCPA to limit communications from your agency, and I am exercising this right by requesting an immediate cessation of contact. 

Under 15 U.S. Code 1692c, debt collectors are restricted from contacting consumers under specific circumstances. Therefore, I am requesting that you honor this cease and desist notice and refrain from any further attempts to contact me regarding the alleged debt. This includes, but is not limited to : 1. **Phone Calls : ** Any calls to my personal or work numbers, as well as calls to any other person regarding this debt.

2. **Letters or Emails : ** Any written communication, including letters, emails, or messages left at my address or on any social media platform.

3. **Other Forms of Communication : ** Any other attempt to communicate with me in regard to this matter. 

Please note that any further contact from your agency, aside from notifications as required by law ( such as informing me of actions like ceasing collection efforts or filing a legal claim ), will be considered harassment and a violation of my rights under the FDCPA. 

Should you disregard this notice and continue to contact me, I am prepared to take legal action to protect my rights under the FDCPA. Additionally, any violations of this request may be documented and reported to the Consumer Financial Protection Bureau ( CFPB ) or my state Attorney Generals office. 

Please provide written acknowledgment of receipt of this cease and desist letter and confirm that you have ceased all further collection activity. This letter should not be construed as an acknowledgment of any debt, nor does it indicate any intention to pay any alleged debt. 

Thank you for your cooperation. 

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

I called XXXX and TransUnion after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE accounts on my personal profile, I noticed that there erroneous accounts on my credit report which are misleading to me. I sent a letter to XXXX and TransUnion on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX and XXXX and hoping that these accounts will be corrected. 

XXXX XXXX Balance : {$9900.00} ; XXXX XXXX  Balance : {$9800.00}
Product: Debt collection

Calls frequently using an automated system, never anyone on the line when you answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a outstanding balance of {$390.00} showing on my credit for a XXXX XXXX credit card that was opened last year. It's now in collections with Portfolio Recovery. I have tried to dispute it several times and they keep marking my credit every month. This was not opened by me this is fraud my last credit card from XXXX XXXX was over 10 years ago. It's closed completely and no longer showing on my credit. Can you please remove this off my XXXX and my XXXX report.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and noticed that Santander has not removed and updated the late payments in XX/XX/2017 and XX/XX/2017 on my account. I previously had an account with Santander that has been paid as agreed and closed. When I noticed the inaccurate late payments, I contacted the creditor via phone and mail. The representative assured me the information was due to a billing error and would be updated correctly. 
Furnishing late payments to my profile due to billing errors is in violation of 15 USC 1666B. I've contacted the Credit Reporting Agencies ( XXXX, XXXX, and XXXX ) via phone to try to resolve this issue as well, and the changes have yet to reflect. Reporting this information to my profile is impacting my payment history and opportunities to obtain new credit.
Product: Debt collection

To Whom It May Concern : I know you have an oath. I know you have an oath to the state that we are in. I know you have an oath to the United States, so I accept those oaths, both of them. 
I confirm that I have received a written communication from you dated XX/XX/XXXX wherein you make reference to the above captioned matter. It is apparent that you are acting on the presumption that some relationship that you may have with XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with XXXX XXXX, either directly, indirectly or by means of any tacit consent. Accordingly, I do not understand how to respond to you inasmuch as I am unaware of any contractual relationship between us. I have offered to settle the matter between myself and XXXX XXXX. 

MAXIMS OF EQUITY 1. Equity sees that as done, which ought to have been done 2. Equity will not suffer a wrong to be without a remedy 3. Equity delights in equality 4. One who seeks equity, must do equity 5. Equity will not aid a volunteer 6. Equity will not allow a statue to be used as a cloak for fraud 7. He who comes in equity must come with clean hands And ye shall hallow the fiftieth year, and proclaim liberty throughout all the land unto all the inhabitants thereof : it shall be a jubilee unto you ; and ye shall return every man unto his possession, and ye shall return every man unto his family. ( Leviticus 25:10 ) ENFORCEMENT OF RIGHT OF SUBROGATION FOR FULL SETTLEMENT AND CLOSURE OF THE ACCOUNT I request to Invoke my Rights to Subrogation ; HJR 192 March 9th 1933, Congress 73-10, Chapters 48 Stats 48 subsection 112 ; " He who creates the liability must provide the remedy '' ; Truth in Lending Act ( TILA ) of 1968 ; and " Refusal for Cause Without Dishonor '' UCC3- 501, 2-207 ( 2 ) ( c ).

1. " I-demand-my-right-to-subrogation-and-we-are-not-moving-on-until-this-is-resolved. '' 2. " Public-Servant-prosecutor-do-you-conform-to- '' Clean-Hands-Doctrine ''? 
3. Then-certify-my-right-to-subrogation-in-avoidance-of-a-claim-for-destruction of Rights. '' ( As-certified-it-is-mine ). 
Of this presentment take due Notice and heed and govern yourself accordingly.
Product: Debt collection

Vance and Huffman Llc at XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX is reporting on my credit report to XXXX and XXXX a debt for XXXX dollars acquired by XXXX XXXX at XXXX XXXX XXXX XXXX pa XXXX. Income isnt reported on credit reports this acct was written off I was not issued a 1099 c from either company according to IRS regulations 6050p amts over 600 dollars company is required to issue 1099 c so I can pay taxes. This is a violation of privacy act.
Product: Credit card or prepaid card

XXXX XXXX/XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX - I called into file a complaint about them lowering my credit limit on account for marathon and representative who was on the phone with me was very rude and decided that he would be funny and started to close all of my accounts up and totally hurt my credit. I kept having to call back in to get my accounts opened back up. They would be open maybe a week or so and this man would close all of them back up again. I kept going back and forth with Comenity Bank for over a month or 2 and after that I just gave up. This destroyed my credit and took my score down tremendously. I have never missed a payment on these cards and never been late. Just recently they gave me the XXXX card back after applying forever for it and having to put all these hard hits on my credit. The XXXX card has such a low balance and by all those credit cards being closed other banks cards gave me a very low balance. I want all my cards reinstated and the balances on them increased. I am so glad I found out about this place ( CFPB ). As a consumer I should not have to deal with this ordeal and no one else should either. That man talked to me so rude and if I was beneath him. I have never been treated in such a manner The proof of what they did on my accounts is on my credit report.
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 regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

Paid additional money through XX/XX/2019 to XX/XX/2019 to lower interest and payments on loan. Shellpoint Mortgage misappropriated funds, disbursed two surplus checks after XX/XX/2019 and XX/XX/2019, respectively, the second bounced, and now my escrow is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Step 3 I AM DISPUTING ACCOUNT # XXXX FROM XXXX XXXX FOR {$6300.00}. ACOUNT # XXXX FROM XXXX FUNDING FOR {$740.00}. ACOUNT # XXXX FROM XXXX XXXX BANK FOR {$520.00}. ACOUNT # XXXX FROM XXXX XXXX FINANCE FOR XXXX. ACOUNT # XXXX FROM XXXX XXXX XXXX LL. FOR {$630.00}. ACOUNT # XXXX FROM XXXX INDIGO/GF FOR $ XXXX PROTECTION OF 15 U.S.C. SEC. 1681i ( f ) ( 3 ) which governs credit reporting through a consumer and all 3rd parties. 15 U.S.C. SEC .1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), 1681i ( a ) ( 1 ) ( C ), 1681i ( a ) ( 2 ), and 1681i ( a ) ( 3 ). These quoted laws protect the identity, information and credit of the everyday person from unfair reporting, misuse or unlawful transfer of my information as well as accuracy, legitimacy and proper investigation on behalf of every credit reporting agency making my information public, which I have NEVER GIVEN WRITTEN OR VERBAL CONSENT TO.
Product: Credit reporting or other personal consumer reports

Someone stole my identity over 5 years ago and I had and still have a active fraud alert on my report. That notifies the creditors to contact me before they issue any type of services or good. This company decided to overlook my alert and allow the suspect to purchase a vehicle using my personal information. I have sent this company over a substantial amount of information showing that I was and currently a victim of identity theft. They claim to have done an investigation and concluded that the account belongs to me. The time that the account was opened I was recovering from a major XXXX XXXX. I'm currently in the process of suing them as well for violation my FCRA legal consumer rights.
Product: Debt collection

ARS. In XXXX Florida states that I have a medical bill in a state that I've not lived in at the time they are stating I lived in Ohio there is no way I could have went to where they are claiming I have contacted them omg they are so sp rude told me if I didn't pay they are just going to sell to someone else and hung up on me. I've disputed on my credit report still no help. I'm hoping and praying you can help me with this rude company. They are advising that I have 2 accounts in there office Date XX/XX/2016 Amount 1. {$850.00} 2 {$570.00}
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions. 
I insist on the removal of all utilization data from the mentioned accounts. 

Therefore, I request and demand that you remove these accounts from my file within 30  days, as mandated by the Fair Credit Reporting Act ( XXXX XXXX. XXXX ), or conduct an investigation into these accounts. 

Additionally, I am demanding the removal of all non-account holding inquiries that are over 30 days old.