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

Equifax discovered a hack into their poorly secured website that allowed the release of my personal financial information on XXXX XXXX, XXXX. They did not announce the discovery of this hack until XXXX XXXX, XXXX. My information along with over 148,000,000 million others ' information is now vulnerable to identify theft. This is utterly ridiculous that such valuable information is in control of an incompetent company. Equifax execs also offloaded over {>= $1,000,000} in stocks before making this announcement, basically profiting off consumer misfortune.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to formally dispute several unauthorized credit inquiries that appear on my credit report. These inquiries were made without my consent and are the result of identity theft. 

The specific inquiries I am disputing are : XX/XX/XXXX: Inquiry Date : XX/XX/XXXX XXXX XXXX : Inquiry Date : XX/XX/XXXXXX/XX/XXXX: Inquiry Date : XX/XX/XXXX I did not apply for credit with these companies, nor did I authorize these inquiries. Therefore, I am requesting that these inquiries be removed from my credit report immediately. 



Please investigate this matter and remove these inquiries from my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ), I expect to receive a response to my dispute within 30 days. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX acct # 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 an account without my written instructions.
Product: Debt collection

I am writing this complaint on my own behalf through the CFPB to formally caution Experian about their long history of ignoring my disputes pertaining to some fraudulent accounts being reported to my credit. Experian has ignored my initial disputes, so I am writing this complaint to finally get through to them. I want the accounts listed below removed from my report immediately. I am being generous by giving them a final warning before contacting my lawyers. I know my rights as a consumer and I am well aware of the fact that my rights are currently being violated by Experian. I have no legal ownership or obligation to them, and if Experian were to do their due diligence they would see that they cant find a single piece of documentation showing I have any responsibility to these accounts. I grant the CFPB authorization to send this complaint to Experian and I grant Experian permission to remove these accounts from my report. I want an updated copy of my credit report when these accounts are removed. My drivers license, social security card, and my recent phone bill will be attached for identity verification XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  15U.S.C. 1681 Section 602 A. states I have the right ti privacy. 15 U.S.C. 1681 Section 604 A. section 2 : It also states a consumer reporting angency can not furnish an account without my written instruction.15 U.S.C. 1681 c ( A ) ( 5 ) Section states : No consumer reporting angency 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 antedated 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 angency 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

I 'm currently in the XXXX XXXX and during the last 2 years, I was mobilized twice. Loancare, a XXXX XXXX, also known as XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, VA XXXX ) assumed my VA loan from another mortgage carrier. My auto-payments were going to the original lender, and in XXXX and XXXX of XXXX, while mobilized, they reported a 30 and 60 day late payment ; though the payments were being made in a timely manner ( to the original lender ) I was not aware, as I was overseas. Then in XXXX of XXXX, I was again mobilized for 70 days and they again reported a 30 day late payment, when I had told them that I needed a few extra days, and they agreed and agreed not to report my late payment. I was late by 3 days. Now I 'm unable to get a Home Equity loan or refinance my home. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called the company and explained that my card is active but they are reporting it twice. One shows open and one shows closed. The account has also been given to collections. The card is open and current and they wont do anything to get the negative report off my credit report. I even submitted a complaint through XXXX and and nothing happened. My XXXX XXXXXXXX CREDIT CARD IS OPEN AND CURRENT WHY DO THEY HAVE THE RIGHT TO REPIRT IT AS CLOSED AND SEND IT TO COLLECTIONS.
Product: Money transfer, virtual currency, or money service

The incident involves the crypto.com exchange and occurred on XXXX at what I show to be XXXX am PST. on the application I was going through some of my holdings checking various prices to be able to sell off some to make a purchase I needed for work. I come to a currency called XXXX XXXX ( XXXX ) that I purchased 600 dollars worth in early XXXX of 2021. As I looked up on the applications confirmation to sell screen it shows the exchange rate at .01 USD I SOLD XXXX XXXX because I thought I was going to reciever 1 cent per share like it shows me on the confirmation page. When I contacted the support team they took a very long time to get back to me and kept passing me around to someone else who didn't know what my issue was or at least pretended not to. I belive that's because they were doing their best to hide or change details of my transaction. About 5 days or so go by and I get their explanation. They try and tell me that the transaction I made was actually made 1 min earlier than the time of my screenshot and that o saw that price but did not press confirm ... ... ... no one in their right mind would not press confirm if they saw that price. They stated I sold off that very specific number then went back through the whole process and inputed the exact same amount of XXXX, pressed the sell button once to get to the confirm sell screen took a screenshot but didn't press confirm ... ... ... ..Why wouldn't I input my whole balance? Why would I make multiple transactions 1 min apart and pay extra fees to do so? The answer is I didn't. Their system malfunctioning is not my problem and im supposed to belive everything they tell me without verification and to belive their accuracy when they clearly had multiple issues on the accuracy of their application. They a XXXX so my wallet address is tied to them but they will not provide me any information for me to be able to verify the transaction on etherscan or any other block chain explorer. Unfortunately I downloaded my transaction history a few days later giving them time to alter it, it does not show any timestamp data. The truth is exactly that. I saw the price of 1 cent freaked out pressed some random numbers that wouldn't exceed the overall amount I had and pressed confirm. The price of crypto changes by the Second. They hold the price for an amount of time so that you can get the price they say on the confirm screen. I did not receive what they said I was going to ND consequently Sold off a long term hold that I will never be able to aquire for the price I obtained it for originally
Product: Debt collection

HIPAA violation medical debt sold to third-party company without validation that the debt was mine
Product: Credit reporting or other personal consumer reports

So even AFTER the second investigation I still found several inaccuracies on my credit report according to XXXX XXXX XXXX - XXXX XXXX XXXXXXXX was marked charged off on XX/XX/year> which previously showed XX/XX/year> BUT according to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX this account was charged off XX/XX/year> and since then the account has been repeatedly updated as charged off every month. This is an update in the payment history. A charged off account should not include an active payment history this inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - XXXX XXXX  XXXX TransUnion is the only bureau with this on my credit file STILL even after reporting ID theft and several inaccuracies please delete this from My credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my eighth 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, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$250.00} XXXX  XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX Balance : {$950.00} XXXX Inquired on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXXXXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX XXXX Account Number : XXXX bal. {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I would like your assistance with XXXX XXXX inaccurate reporting. They are reporting different amounts and dates on this account with XXXX, XXXX, and Transunion. They have also failed to the note " account in dispute '' with the comment that " Consumer Disputes This Account after several of my disputes with each credit bureau which are also FCRA violations. I have requested proof and corrections of this account several times, I have talked to their representative who informed me that at certain times they would not report me late because they were just doing me a favor at the same time telling me that they must report accurate information ( This conversation took place on XXXX XXXX at phone # XXXX which lasted one hour 13 minutes which was also recorded by XXXX XXXX ). The representative also informed me this account had become current between XX/XX/XXXX and XX/XX/XXXX, which I immediately disputed. I wrote them a Certified Letter ( XXXX XXXX XXXX XXXX XXXX asking for an investigation of the accuracy of the reporting of this account. Specifically, the Date of First Delinquency and they still updated different information with each credit bureau ( CLEAR VIOLATIONS of the FCRA ). 
I also requested the documentation and my signature that would have allowed XXXXXXXX XXXX to renew or bring this account current after XXXX of XXXX I received a letter with XXXX XXXX XXXX response dated XXXX! XXXX, XXXX stating how they would report this account to the credit bureaus. I disputed this information again as inaccurate and mailed another certified Letter ( XXXX XXXX XXXX XXXX XXXX ) asking XXXX XXXX for all the information pertaining to this account, including the document that allowed this account to renew or become current anytime during this loan. 
! am now requesting a deletion of this account permanently from all credit reporting agencies after providing proof of XXXX XXXX updating my credit reports with the credit reporting agencies with inaccurate and incomplete information. My latest request to XXXXXXXX XXXX for all information pertaining to this account on XX/XX/XXXX was answered with a letter from XXXXXXXX XXXX dated XX/XX/XXXX asking me for supporting documentation of my request, which is what I was asking them for since they are continuing to update different information to each credit bureau and change information each time I dispute with the credit bureaus. It is my belief that XXXX XXXX should provide me with the information that I requested or delete this account permanently from all credit agencies they are reorting this account to. XXXX XXXX has failed to provide me with a complete account payment history, balance history, interest rate disclosure, pay off disclosure, all signatures pertaining to this account that l have signed, including digital signatures and any signatures that would have allowed this account to renew or become current. 
I am uploading my supporting documentation with this request. 

Thank you, XXXX XXXX
Product: Debt collection

SPECIALIZED LOAN SERVICING HAS FAILED TO VERIFY THIS ALLEGED DEBT, BY COMMITTING CRIMINAL ACTS OF FORGERY AND ALTERING DOCUMENTS TO COLLECT AN UNJUST ENRICHMENT.

NUMEROUS REQUESTS TO PROVIDE A CERTIFIED COPY OF ORIGINAL NOTE/ HOME EQUITY LINE AGREEMENT AND DISCLOSURE STATEMENT HAVE NOT BEEN PROVIDED, SPECIALIZE LOAN SERVICING RESPONDS BY SENDING INFORMATION THAT DOES NOT PERTAIN TO REQUEST AND AVOIDS THE REAL ISSUE SPECIALIZED LOAN SERVICING CONTINUES TO INFLATE ALLEGED BALANCE BY ADDING UNJUSTIFIED AMOUNTS THAT THEY HAVE NOT PROVEN THE RIGHT TO DO SO.
Product: Debt collection

XX/XX/year> Pay to delete letter sent XX/XX/year> Company states letter of response please call XX/XX/year> Company Rep can agree to settle for ( {$370.00} ) but can not provide Pay to delete letter Then Company Rep also states says I only owe XXXX No payment has been made this day XX/XX/year> at XXXX XXXX XXXX XXXX XXXX debt however denies sending any documentation because they only send it to XXXX  XXXX XXXX ( 3rd party ) XX/XX/year> Ceased XXXX XXXX XXXX from making all payments Therefore all information documentation should be sent to me. 


XX/XX/year> Phone call Current dispute - Request documentation is to show proof agency is licensed to collect in the state of PA and all Transactional. 
XX/XX/year> has been 30 days and there is no response at all.
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 Regulation E. These actions have caused significant inconvenience and 30 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting or other personal consumer reports

My account with KICK OFF LENDING was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

KICK OFF LENDING Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting the wrong information on my credit report. They have the wrong employer. My employer is XXXX XXXX XXXX, since XXXX. Experian reports my overall history as XXXX years. I receive reports from XXXX and XXXX XXXX stating I need to work on my credit history. I have over 40 years of credit history. This wrong information has caused denials. 

I received a response from Experian stating they do not grant or deny credit. I know that is not the purpose of their agency. I know based on what they are reporting, however, I may or may not be granted credit.
Product: Debt collection

I am being harassed by now a third debt collection agency attempting to collect an invalid debt which the original invoicing company, XXXX XXXX XXXX, has already agreed I do not owe. 

I first received a letter dated XX/XX/XXXX from XXXX XXXX XXXX of XXXX, XXXX indicating I owed {$220.00} to XXXX ( formerly XXXX XXXX XXXX ). I notified this company by phone that I had resolved this issue directly with XXXX and that their active invoices indicate I am completely current with all invoices. I asked that they no longer contact me about this invalid debt. 

I then received a letter dated XX/XX/XXXX from XXXX XXXXXXXX XXXX of XXXX, XXXX indicating that I owe this same amount to XXXX XXXX XXXX. First by phone on XX/XX/XXXX and then online, I requested this company to stop contacting me about this invalid debt and suggested that they talk with their XXXX XXXX contacts. 

I just received a letter dated XX/XX/XXXX from Southwest Credit of XXXX, XXXX asking me to pay the same {$220.00} they say I owe to XXXX XXXX XXXX, indicating that if I do not dispute this debt in writing within 30 days, it will be assumed to be valid. This letter references a Southwest Reference number XXXX. This letter also referenced North Carolina Department of Insurance Permit # XXXX. 

I am asking the assistance of the Federal Trade Commission to put a stop to these debt collection agencies selling this account of invalid debt to other collection agencies and then harassing me about a matter settled in XX/XX/XXXX. 

If appropriate, please include the XXXX Dept of Insurance in your inquiry as I view the behavior of these agencies as unscrupulous and worthy of investigation by state regulators as well.
Product: Mortgage

I pay my mortgage with direct withdrawal from a bank account with the same bank, Suntrust, that owns my mortgage loan. My payment is a little over {$900.00} a month and I pay {$1100.00} XXXX a month ( I just raised the amount to XXXX from XXXX ) with the additional amount put toward my principal. I have specified multiple times ( verbally and in writing ) that this amount was to be put toward my principal. Several months into paying my mortgage, I started receiving a " Prepayment Notice '' telling me they were applying this extra money to my mortgage payment and not to my principal and that now I did n't need to pay my mortgage for XXXX months. The prepayment notice includes the following phrase : " In accordance with Suntrust policy, any amount received over the minimum monthly payment, may be applied to your principal balance. '' The verb " may '' is of course used here to indicate that early principal repayment is possible, though has not been done in this case - even though I have repeatedly asked that it be done and it was being done. I visited the bank after receiving the first of these notices and a banking representative discussed the situation with the " Exception Payment Processing Department '' to again let them know that I am not prepaying my mortgage, but rather prepaying my principal. Instead of correcting the problem, I now have received another of these Prepayment Notices which indicates that Suntrust is not applying my extra payments to my principal and has not been doing so for long enough to have amounted to full prepayment of XXXX - XXXX entire mortgage payments. This is stealing. Can you please help me and the many others who have had this problem?
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX, XXXX and Equifax asking them to investigate this account XXXX XXXX XXXX account number XXXX that's inaccurately reporting on my consumer report. I received a response from all 3 credit reporting agencies that this account was accurate and verified. As the original creditor, only I can validate this debt. I do NOT validate this debt. Therefore, the following accounts must be deleted from my consumer report immediately. The reporting of this account is a violations of the following : 1. 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 2. 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
This account is reporting as closed but is still reporting a balance, past due amount and still reporting late payments. How can a closed account report a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, I have had someone use my identity with different names, addresses, and information. I need this to be investigated and fixed immediately. 

Creditor : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$550.00} Creditor : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}