23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/ I received a debit card in my former last name that I did not open.
Product: Debt collection

15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1681a - Definitions ; rules of construction 15 U.S. Code 1681e - Compliance procedures 18 U.S. Code 1028A - Aggravated identity theft I HAVE NO KNOWLEDEGE OF THESE ACCOUNTS. PLEASE REMOVE THEM FROM MY REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

I mailed a QWR and a debt validation letter to Shellpoint and they will not respond. 

XX/XX/XXXX They acknowledged receiving a loan modification package from me. 
On or about XX/XX/XXXX I received a phone call from an agent of Shellpoint. he also acknowledge receiving the package and told me I was approved for 2 different modification 1 WITH A BALLOON PAYMENT and 1 without a balloon payment but it was {$9700.00} plus. i ask him to send both and he said he could only send one with the balloon requested He told me they he was send me a loan modification out but instead i received foreclosure letter from there lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update these suspicious information. Credit Bureau must validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.

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

Reporting information a consumer credit report without their written consent is identity theft. I am writing to formally request the removal and blocking of fraudulent information on my credit report under the 15 U.S Code 1681 c-2, a provision of the Fair Credit Reporting Act. Victims of identity theft have the right to request that fraudulent information be blocked from their credit reports. This includes ( 1 ) any accounts or debts that were opened fraudulently ( 2 ) hard inquiries made without authorization. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXXXXXX XXXX XXXXXX/XX/year> I request the items listed above be investigated promptly and once confirmed as fraudulent, permanently removed and blocked from my credit line no later than 4 business days after such information provided.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA, XXXX Reference ID XXXX Dear Chase, On XX/XX/XXXX, I bought XXXX XXXX which were supposed to XXXX XXXX XXXX XXXX XXXX XXXX, and correcting other issues XXXX, and XXXX. I made this purchase at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA XXXX. <P/>Unfortunately, the service which were provided were inadequate because they did not enhance my XXXX or the XXXX XXXX XXXX XXXX. However, they did leave my XXXX XXXX and the feel of my XXXX XXXX XXXX. Also, XXXX XXXX XXXX failed to meet the timeline we had agreed upon, the process took over 2 months. <P/>To resolve the problem, I would appreciate a refund of the total charge amount. Enclosed are copies of my records receipts and explanation of benefits concerning this purchase/repair. <P/>I look forward to your reply and a resolution to my problem.Please contact me at above address. <P/>Sincerely, XXXX XXXX
Product: Debt collection

Citibank is calling my XXXX yr. old grandparent 's house about 6 times a day. They are on a limited income. They have spoken about lowering the payments but, they continue to call. It 's very upsetting to them. I 've tried to speak to them myself but they are very rude and then they hang up. What can I do to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debt collectors are trying to collect debt not owed by me I was a victim of identity theft in 2019 and several accounts were opened in my name and social I have been on a hard road to get it fixed but XXXX XXXX XXXX and XXXX are giving me a hard time I assume they do not think it was fraud and they just assume that which is because I can see in my credit that whoever opened these accounts made a few payments and then stopped so I guess that may be why they will not consider it fraud
Product: Credit reporting or other personal consumer reports

Im in disagreement with the addresses and name listed below which still appears on my credit report, even after your investigation. I would like these addresses removed immediately. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. The inaccuracies are highly injurious to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted affirm inc several times in regard to my consumer rights being violated. gross income or ordinary income or canceled debt is excluded from consumer reports. affirm inc received a tax deduction for this charged off accounts : XXXX but i never received my 1099c form this is tax fraud affirm inc has committed . this account is inaccurately being reported to XXXX. this is a violation of 15 usc 1681a they lied said it wasn't cancelled in a letter, but it was because it still reports monthly as a charge off i demand this account to be deleted. 26 usc 6050p was also violated by affirm inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

I've notified this company, XXXX XXXXXXXX XXXX, about the incorrect and inaccurate information reporting on my credit report, I've asked for an investigation, verification, and validation of this alleged debt. My request has been ignored several times and no investigation has been done to ensure reporting at 100 % maximum accuracy. This company has violated several of my consumer protection laws. Saying the debt is valid but not providing any proof that the unknown accounts are verified. In addition, I've requested the method used to supposedly verify theses accounts and have not been provided with any information. My request continue to be ignored. This has cause a tremendous strain on my credit health, causing me to continue being denied credit for false reporting reasons. Please help me resolve this matter immediately as I have tried several times to handle this matter. 
Dates : XXXX accounts updates, so they were reporting incorrect to begin with XXXX alleged verifiecation XXXX reporting incorrect XXXX no response to dispute XXXX no response or action taken XXXX still reporting unknown accounts
Product: Credit card or prepaid card

On the XXXX of XXXX some one sent me {$20.00} PayPal said that I would have to wait six working days because it was an E-Check the six working day fell on the XXXX of XXXX I still don't have my money now they want me to wait longer that's not in their policy
Product: Checking or savings account

Nothing! Over 3 weeks and I have not been able to access my account or pull money from atm. 
I have Bill 's to pay and rent!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my consumer report and noticed that I have late payments on accounts that I was never late for. Consumer reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX XXXX XXXXXXXX 3. XXXX XXXX 4. XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXXXXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX Subject : Follow-Up on Complaint Number XXXX Dear Consumer Financial Protection Bureau , I am writing to follow up on my previous complaint ( Complaint Number : XXXX ) against Equifax regarding the removal of unknown inquiries that are negatively affecting my credit profile. 

Equifax responded to my initial complaint by requesting a copy of my Social Security Number ( SSN ) card and a utility bill to verify my identity. These documents are attached to this new complaint for your reference. 

I am concerned that the resolution of this issue is taking an excessive amount of time. The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must investigate consumer disputes within 30 days. This time frame has now been exceeded, and the unknown inquiries remain on my credit report, continuing to harm my credit profile. 

I kindly request that you advise Equifax to expedite the resolution of this complaint in compliance with FCRA regulations. It is essential that these unknown inquiries be removed promptly to prevent further damage to my creditworthiness. 

Thank you for your attention to this matter and for your assistance in ensuring that Equifax adheres to the required legal standards. 

Sincerely, XXXX XXXX -- - Attachments : XXXX. XXXX of Social Security Number ( SSN ) card XXXX. XXXX of Utility bill -- - Note : Please ensure that all personal information is handled securely and in accordance with privacy regulations. 


To : Equifax Dear Equifax, I am writing in reference to my previous complaint ( Complaint Number : XXXX ) regarding the removal of unknown inquiries from my credit report. As requested, I have attached a copy of my Social Security Number ( SSN ) card and a utility bill for identity verification purposes. 

The Fair Credit Reporting Act ( FCRA ) requires that consumer disputes be investigated within 30 days. This time frame has now been exceeded. I kindly request that you expedite the resolution of this complaint and remove the unknown inquiries from my credit report immediately to prevent further damage to my credit profile. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 I decided to open a Citibank secured credit card with a {$600.00} credit line. Unfortunately the card went missing and fraudulent purchases were charged to the card I have been trying to rectify this with Citibank since than But they refuse to comply with their fraud policies. Since then they still have my {$600.00} in the account is in collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent XXXX previous letters to you, all by certified mail requesting that you remove inaccurate information from my file due to IDENTITY THEFT and you have failed to do so. 

I sent in documents to your company several times and I was told that my documentation did not follow your criteria, but when asked the correct criteria or what I was missing, I was told that you were unable to tell me. You also stated that the creditor validated that the accounts were valid. 

Accordingly, I can show a judge that your agency is in violation of several laws, one being 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt, no one else can state they have proof this debt is valid. I do not validate this debt and it is a result of identity theft. 

Therefore, the following accounts must be deleted from my report. that I was a victim of Identity theft and that you violated the Fair Credit Reporting Act by ignoring my requests to block/delete this information My previous letters all sent by certified mail stated my reasons and these reasons were not frivolous in any way. I filed a police report, a FTC report and contacted the CFPB to no avail. 

If this final request does not prompt you to delete the below accounts in question, I will file a civil suit in my county for damages and you can travel to defend yourself.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXXXXXX Balance : {$4600.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$17000.00} XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$17000.00}
Product: Debt collection

The company is Hunter Warfield and they are still trying to collect on a debt in which the statue of limitations have run. Its been 7 years and in Texas, the statute is 4 years
Product: Credit reporting or other personal consumer reports

"

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file.
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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 ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform which left my account disabled and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under ( EFTA ) Electronic Fund Transfer Act 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

It appears my file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please discard these files. 
XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$730.00} US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting

Experian is reporting fraudulent inquires on my credit from companies listedXX/XX/XXXX XXXX AND XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX SHOWS XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX / XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX
Product: Vehicle loan or lease

I previously had a car loan with Ally in my legal name. When I got my new car loan I signed it in the shortened version of my legal name which is also on my drivers license. Ally tries to say Im not the same person. They wont let me use my online account to pay my bill and it says information doesnt match when I try to reset it. When I try to make a new account it says this information already exists. I have spoke to them on several occasions asking for this to be corrected because they do not send me a paper statement so I can not access any information about my account. They have never given me access to my online account nor have they ever mailed me a statement after numerous request. I have to call a number to pay my payment and I am charged {$4.00} every month to pay that way. This has been going on for over a year now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I once had a joint credit card with my now ex-husband ( XXXX XXXX XXXX ) with XXXX  and XXXX XXXX XXXX XXXX in XXXX, PA. Per our marital settlement agreement filed in XX/XX/XXXX in XXXX County, PA, my name was to be removed from this account in some manner by him upon our divorce ( which was granted in XX/XX/XXXX ; see attachments ). Currently, my XXXX credit report shows this account as having closed in XX/XX/XXXX. However, I recently noticed that my credit scores dropped considerably, due to the creditor having reported a negative change in the account 's payment status and an increase in the balance. For example, per XXXX XXXX, my XXXX  decreased by 41 points on XX/XX/XXXX due solely to the increased balance of this account ( see attachment ). 

I filed a dispute about this information in early XX/XX/XXXX with Experian, XXXX, and XXXX. The first two credit reporting agencies have closed my dispute and have made no change to my report, claiming that the account information is correct. I simply don't understand how this is possible -- my name has been removed from this account per court order and the credit bureaus themselves all list this account as closed. I do not bear any responsibility for this account as of the date of my granted divorce decree, and yet both Experian and XXXX  have refused to remove this negative item from XX/XX/XXXX from my credit report.
Product: Credit card or prepaid card

I applied for an amazon  Visa by Chase o n the  Amazon Website.  On t he Amazon Website th e interest rate stated was 14.99 to 22.99 % depending on credit worthiness. I have a  XXXX   Credit Score.  I was approved for a card with the highest possible interest on the card. I called Chase to ask about the interest rate and they told me that was the lowest possible rate for this  Amazon Visa ca rd. I asked about why the  Amazon Site says 14.99 to 22.99 r ate, and was told that 22.99 % was the rate for this card. Had I known the only rate was 22.99 %, I would never have applied for this card. The offer on the Amazon website for this card is misleading if they will only issue a card at 22.99 % instead of a range between 14.99 and 22.99 %. You do not know what rate you will be given until you have completed the application and submitted. This seems misleading to the consumer. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, XXXX  shows XX/XX/XXXX and Transunion has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : DEPTEDXXXX Account # : XXXX
Product: Mortgage

My mortgage is through XXXX XXXX since it was sold to them in XXXX XXXX. I signed up with XXXX for their XXXX program at that time. I have had ACH withdrawal 's from my checking account biweekly since then. I come to find out now that this was not through XXXX XXXX they tell me it is through a company called Pay Map. I have never heard of Pay Map. The ACH from my checking states XXXX for {$700.00} biweekly XXXX states they get a Monthly payment of {$1300.00}, but I am paying {$1400.00} not monthly but biweekly. I am not getting the advantage of the biweekly payments when XXXX states they are getting their funds monthly and not even the amount I am paying. I knew nothing about another company handling my money and paying monthly, I would never have done that. This is not fair and I feel like I have been scammed. I cant reach this Pay Map Company until Tuesday XXXX/XXXX/XXXX but I will be canceling everything with them ASAP. What can I do or what can you do to help me. I feel they owe me money that should have been going to pay my mortgage off sooner XXXX XXXX