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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items is being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
BANKAMERICA XXXX Date Opened : XX/XX/2006 Balance : {$0.00}.
Product: Mortgage

MY 2ND MORTGAGE WITH Bank of America was forgive, but they fail to remove the CHARGEOFF FROM MY XXXX CREDIT BUREAUS. 
This is wrong and has severely damage my ability to rent an apartment. 
Because of this I am HOMELESS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX in XXXX California opened a line of credit using my name and social security number for another person. The loan has become past due and it is being reported to Experian on my credit report. Experian has lowered my credit rating. XXXXh XXXX will not clear up my credit unless I give them a loan ID and file a police report of Identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Complaint Against Plaza Services , LLC for Failure to Validate Debt To Whom It May Concern, I am submitting this formal complaint against Plaza Services , LLC for their failure to validate a debt they are attempting to collect, in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). On XXXX XXXX XXXX  I formally requested debt validation from Plaza Services , LLC in accordance with my rights und

er 15 U.S. Code 1692g. Despite my request, they have failed to provide the necessary documentation to verify the validity of the debt. In my correspondence, I requested the following : 1. A detailed explanation of the alleged account balance. 2. A complete payment history to substantiate the amount. 3. Documentation demonstrating my agreement to the alleged debt. 4. Proof of Plaza Services , LLC 's authority to collect this debt. 5. A copy of Plaza Services, LLCs state license to verify their legitimacy. Under the FDCPA, a debt collector must provide adequate validation upon request before continuing collection efforts. Since Plaza Services , LLC has failed to comply with my request, they are in violation of federal law. Additionally, if they have reported this unverified debt to the credit bureaus, they may also be in violation of the FCRA for furnishing inaccurate information. I request that the Consumer Financial Protection Bureau investigate Plaza Services , LLC for their failure to provide debt validation and ensure they ceas
e all collection efforts until compliance is met. Furthermore, I request that any unverified debt reported to the credit bureaus be removed immediately.

Enclosed is a copy of my original validation request sent on XXXX XXXX XXXX. I appreciate your time and assistance in this matter. Please provide me with updates regarding the investigation and actions taken against Plaza Services , LLC. 

Sincerely,
Product: Debt collection

This account is a matter of Identity theft. Remove from my credit immediately. Also the account has inaccurate and fraudulent information that does not mirror each other through the credit bureaus it is being reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I agreed to pay full amount on or before XX/XX/XXXX XX/XX/XXXX Midland began updating with bureaus as payment is past due XX/XX/XXXX account paid in full by me XX/XX/XXXX Called company to confirm XX/XX/XXXX Disputed amount on credit report XX/XX/XXXX-current company still continues to update the debt at different amounts to each bureau XXXX. to all bureaus
Product: Mortgage

I have a VA backed home loan with XXXX XXXX XXXX XXXX  dba Loan Depot that I sought forbearance from under the Cares Act. I ended my forbearance and started making payments again XX/XX/XXXX. I have made 3 payments to fulfill the start of a loan modification for the missed payments. Under the Cares Act stipulations, Loan Depot illegally reported this account as past due to all 3 credit bureaus for both my wife and I dropping my XXXX score to XXXX and hers from the high 700 's to mid 500 's, as well. As a result, we have suffered 4 credit card closures, reduced limits on other credit lines, etc. I can not IRRRL the loan, now, because my credit score has been trashed. Now, they are coercing me to sign the modification paperwork by XX/XX/XXXX at a higher interest rate ( from 2.75 to 3.375 ) that I had previously paid points at the beginning of XXXX to get... about 4-6 months before applying for the forbearance. I am jammed between not being able to IRRRL the loan and being forced to sign a modification I can't really afford without enough time to get the credit reporting fixed and time to explore other avenues. I am in further debt from XXXX  & now, we are experiencing the XXXX  XXXX to make matters worse. Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, i received a credit alert and an email that i have been a victim of identity theft. I have also been affected by the recent credit breach. I am unaware of the account that was placed on my credit file by your company. I am disputing the error that your company has placed on my credit file. Here are the accounts that are errors. If this issue is n't resolved i will be forced to take legal actions against your company immediately upon your response. I have contacted the XXXX, and have contacted the attorney general office. 


XXXX XXXX XXXX Acct # XXXX EXPERIAN
Product: Money transfer, virtual currency, or money service

I am a Coinbase customer whose account was locked with Bitcoin inside by mistake by Coinbase at   XXXX   XXXX  . The total amount is about   XXXX   Bitcoin which values about 3000 USD at that time. The reason the account was locked is that the company believed I was making Bitcoin transaction at  XXXX , which is not true. Because there is no transaction made since   XXXX   XXXX  . Besides, all my transactions happened in the US.
After finding my account was locked, I tried to reach the company support and provided all the material they claimed they need to unlock my account, and the company said they will working on it. However, it has been 15 days since I got that reply from the Coinbase support and there is nothing changed. After that, no matter how many messages I sent asking about the progress, there is no reply, and my account is still locked with my fund inside.
Product: Checking or savings account

A forged check number XXXX on XX/XX/2021 in the amount of {$6200.00} - with forged signature of non authorized signatory and forged check that looks nothing like the checks being used or used by account holder. The TD XXXX XXXX XXXX said they will not return funds for forged check. I was also in contact with branch manager who escalated the issue and TD bank said they will not return funds for fraudulent non authorized transaction. If TD bank does not verify signatory or checks issued what is the point of providing a signatory at account opening when no one verifies fraud on accounts.
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com.
They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They further exacerbated this risk by waiting over 1 month after discovering the breach before notifying the public. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 

They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX WA XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00}XX/XX/XXXX XXXX Balance : {$0.00} XX/XX/XXXXXXXX Balance : {$1200.00} XXXX XX/XX/2023
Product: Mortgage

My mortgage was being held by XXXX XXXX XXXX. They sold it to Roundpoint Mortgage Servicing Corporation on XX/XX/2022. I did not ever receive by mail, phone or email any notification of this change. I also did not ever receive a statement to pay my mortgage to Roundpoint. I had direct pay set up with XXXX XXXX XXXX  and assumed my mortgage continued to be paid unaware of the sale. 

I had changed my mailing address from the property address to a po box and had mail forwarding in place and had changed my mailing address with XXXX XXXX XXXX. 

Since I did not receive notification of this change in banks I unknowingly did not pay my mortgage for XXXX, XXXX, XXXX, or XXXX of 2022. I accrued {$260.00} in late fees and Roundpoint confirmed they reported me to the Credit Bureau for delinquency of payment. 

Roundpoint sold my mortgage to XXXX XXXX XXXX  on XX/XX/2022. XXXX XXXX  XXXX sent me a mortgage statement on XX/XX/2022 stating I owed them {$8500.00} to bring my account current ( pay for XXXX XXXX  ). This included my monthly mortgage fee + XXXX late fees from Roundpoint. 

I paid XXXX XXXX  XXXX XXXX the full amount due of {$8500.00} on XX/XX/2022 to bring my account current. 

I first called XXXX XXXX XXXX XXXX to understand how I was so delinquent, they shared they had just taken over my account on XX/XX/2022 and were just billing me what was due on my account. They shared Roundpoint Mortgage held my mortgage from XXXX 2022 and that is where the late fees came from. Until XX/XX/2022 I had no knowledge that Roundpoint Mortgage held my mortgage from XXXX. 

I called XXXX XXXX XXXX to verify they sold my loan to Roundpoint on XX/XX/2022. They confirmed they did and were able to give me the loan #. I called Roundpoint to get more information and see why I never received a notice or bill from them. They had my correct email, cell number and all mail being sent to my primary address was being forwarded to my po box at that time. They said they sent me the documents and tried to call me numerous times but I have no records of either of these. Due to their negligence I am now 4 months delinquent in paying my mortgage, have a {$260.00} late fee and a complaint against my credit to the Credit Bureau. 

XXXX XXXX XXXX XXXX  ( current mortgage holder ) had no issue contacting me within a week of obtaining my loan using the same contact information Roundpoint has. I have paid them promptly. I had no intention to not pay my mortgage or issue with paying my monthly mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Navy Federal Credit Union and XXXX regarding a serious incident of fraud that has significantly impacted my financial standing and personal well-being. 

On XX/XX/year>, I was issued a check from Navy Federal Credit Union to purchase a vehicle. Following the issuance of this check, it was unfortunately stolen from me. The check was subsequently cashed at XXXX without the proper endorsement and without my signature. This transaction was executed negligently on the bank 's part, as proper procedures for validating the authenticity of the check and the identity of the signer were evidently not followed. 

I have been in communication with Navy Federal regarding this incident ; however, they have placed an undue burden upon me, holding me responsible for the loss despite the clear evidence of fraud. The individual who cashed this check has since been arrested and indicted in superior court for this crime. I have been collaborating with XXXX XXXX of the XXXX Police Department, who has confirmed that the individual acted fraudulently in cashing the check. 

Additionally, investigators from the DMV and the XXXX Police Department are aware of this situation and support the assertion that the check was cash fraudulently. Given this context, it is unacceptable for Navy Federal to hold me accountable for a crime I did not commit. 

This entire ordeal has not only caused me financial distress but has had a detrimental impact on my credit as well, as I am now facing the repercussions of this fraud in attempts to clear my credit. This situation obliges me to seek legal restitution for the negligence displayed by both banks in allowing this to occur. 

I respectfully request that the CFPB investigate this matter thoroughly. I am seeking a resolution that includes the clearance of any negative impact on my credit history arising from this incident, as well as accountability for the negligence exhibited by Navy Federal Credit Union and XXXX. 
Being that this person got access to so much of my personal information there are several items on my credit report that should be removed. I am working diligently with law enforcement regarding this matter of obtaining property by false pretense and ruining my identity and credit in the process. 

Thank you for your prompt attention to this matter. I look forward to your response and hope for a swift resolution. 
I have attached a copy of the check and the arrest records regarding this matter.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX TRANSUNION XXXXILE NUMBER : RE : XXXX Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my XXXX credit report, is the result of that XXXX. 

Accounts : Account numbers : Date Opened : XXXX XXXX XXXX XX/XX/XXXX I have attached a copy of my SSN card, Valid IDs, and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need TransUnion to say or write me and say they could not verify me or my account.

Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you Transunion. Survivors do not need to provide additional evidence to prove their connection to XXXX, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card

I have had a Khols card for years and always make my payment on time in cash directly at the store. I did so last month and yet when I received my statement it showed a XXXX dollar late fee was applied. I called and they explained that they were transitioning to Capital One and the payment wasn't posted until the XXXX. They did reverse the fee and called it a one time courtesy. How was it a courtesy when it was made on time? And how many others where charged this fee that might not even notice? Also if I ever needed them to waive a fee as a courtesy in the future my concern is that they may say they have already done so once even though my payment was made in cash, on time? The XXXX fee also seems excessive even though resolved.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries on my credit report, as I am a victim of identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), particularly 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have any entries associated with identity theft removed from my credit file. 
The following fraudulent account and inquiries are to be deleted from my credit report : Fraudulent Account : XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX Date Opened : XXXX  XXXX  Balance : {$660.00} Fraudulent Inquiries : XXXX XXXX  Inquiry Date : XX/XX/202XXXX XXXX XXXX XXXXXXXX XXXX Date XXXX XXXX
Product: Debt collection

Hello my name is XXXX XXXX and Ive been attempting to try and resolve this matter with ACCOUNT LIQUIDATION. Please read the following notice thoroughly and carefully before responding. It is a notice. It informs you. It means what it says. For these reasons it is recommended that you carefully consider this notice and respond in substance, which means actually addressing the points raised herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX Name XXXX Credit, Account # XXXX Name XXXX XXXX XXXX, Account # XXXX Name XXXX XXXX XXXX XXXX Account, # XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I called Wells Fargo on the telephone to try to get the bank to implement the feature of the system that would automatically block any transaction that overdraws the debit card. When I got to a certain point in the conversation, the phone automatically hung up abruptly as if it had been programmed to do so automatically by either the phone company or the bank itself, ( or the United States government? ) so that I could not effectively add that feature to my debit card.