23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The debt was sold to LVNV funding LLC. The amount is wrong and I didn't sign any contract with LVNV FUNDING. THIS XXXX  TO BE DELETED FROM MY CREDIT REPORT. Thank you so much
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have Experian get back to me with regards to the issue. Here are the items that concern me : XXXX  XXXX XXXX Balance {$2900.00} XXXX  XXXX XXXX XXXX Balance {$890.00} XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX XXXX  XXXX  XXXX XXXX Balance - XX/XX/XXXX 2013
Product: Debt collection

To Whom It May Concern, I have been in contact with Portfolio Recovery Associates, LLC. 
by certified mail since XX/XX/2019. I have repeatedly disputed the collection the company is reporting on my credit file, requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with corresponding local laws. I have asked they provide validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

The first letter was sent certified on XX/XX/2019 The second letter was sent certified on XX/XX/2019 and XXXX The third letter was sent certified on XX/XX/2019 Portfolio Recovery Associates have yet to provide me with validation that is competent evidence bearing my signature, showing that I have had some contractual obligation to pay them. 

I have maintained a careful record of my communication. I would now like to file a complaint with your agency.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Someone opened an account in my name at XXXX wireless and there is a bill for {$1100.00} that was turned over to XXXX XXXX. I have sent then identity theft letter, police report, and all documents in that they have requested. Over 30 days ago i asked for a follow up and removal from my credit file. There has been no further communication from XXXX XXXX and this remains on my report. I have already spoken to XXXX and sent in the paperwork to them also. XXXX service is not even offered where i live and the company does not all shipping to my address. It seems pretty obvious that this is fraud but nothing is being done nor has been done for 4 months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent out a a request for an investigation for my credit report to Equifax, XXXX, and XXXX. They are not complying with regulations based on my request for an investigation. I have not received any type of investigation results.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Block , Inc. ) due to an adequate customer services and unfair practices. Which violate the consumer financial protection act. ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account, vulnerable and unprotected and in return causing problems up to where I couldnt even use any features. Furthermore their dispute resolution process was unfair and very much deceptive. As they did not comply with the error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions has caused financial inconvenience in a very significant loss. And I seek appropriate redress to these unlawful violations.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Act 15 USC 1681 codes ( a-J ) I have a right to a fair and accurate reporting of my credit. 
XXXX and TRANSUNION have continually vilolated my rights and continuaally report inaccurate and balatant fraudualnt info on my report. I have sent the FTC ID theft Affidavit report back in XXXX of XXXX  to report of the errors along with settement notices of XXXX data breach that involved my name. 
XXXX and Transuinion still shows adresses that are not mine nor have I ever lived anywhere near these addresses. 

Transuinon has the adresses of XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, ND and XXXX XXXX, ca XXXX. 

XXXX has XXXX XXXX XXXX, XXXX, ND XXXX The account XXXX  XXXX the account wasn't verified because XXXX doesn't have this account with my address this account is at an unknown address and XXXX and TRANSUNION has lied saying they verified. 
XXXX XXXX account has been inputted again with a 4 different numbers for the same account. # XXXX # XXXX and this account was notified of ID theft back in XX/XX/2022. 
My name is XXXX XXXX but XXXX has refused to update my name and is still showing fraudualnt names. 
XXXX XXXX XXXX is not my name. 
Iwant these accounts deleted a or compensate me for my traumatized time I have tried to rectify theses violations of my consumer rights! 
I have attached the a copy of the FTC affidavit I have filed with them in XXXX along with my XXXX data breach notice along the a new Affidavit To show proof of two diiferent numbers for the same account. 
I have also attached acopy of my credit report to show poof of blatant inaccurate errors on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Experian to file a dispute on my credit report and I'm not happy with the investigation results because the negative informations on the report are still remained even though there is no proof that I opened these accounts. 

The following accounts are opened as a result of fraud and I'd like Experian to remove these accounts off my credit report : XXXX. XXXX XXXX XXXX. XXXX ( XXXX )
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit which showcases major issues with the platform. Despite using Zelle several times and reporting any discrepancies- my financial institution and Zelle have failed to investigate my claims adequately. I was informed that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers and has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable raises extreme concern about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

The following collections are XXXX XXXX XXXX {$42.00} which is reporting twice on my report. Both are fraudulent accounts. 

XXXX {$1300.00} is also a fraudulent account.
Product: Credit card or prepaid card

Chase closed my credit card account without giving notice and for no reason. Chase refuse to refund my annual fee. When I called chase, they refused to provide reason and refused to reopen my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX UNITED STATED SSC XXXX XX/XX/year> RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Quick background - Single mom, owned a XXXX acre farm and raised XXXX, also a XXXX. I was already struggling when I lost my job to COVID. I had taken out a couple of personal loans to try to stay afloat. That said, I was never late on my mortgage, not once. I did the forebearance during COVID but in the end decided to sell my farm and downsize. I sold at the end of 2020 and was able to purchase a smaller home with no mortgage. I am in a much better position now and have recently started to pay off and/or make payment arrangements on some things I couldn't pay during that time. There are two reasons I am writing today. The first is the most outrageous and is completely unfair. Being in the XXXX XXXX and now XXXX XXXX I have dealt extensively with credit scores. I have never seen anything like this. 
1. I made payment arrangements on an account with XXXX XXXX. They are happy now and I will pay this off. They then removed the account from my credit once payment arrangements were made. Equifax then on XX/XX/XXXX dropped my score XXXX points. This is insane. I have never seen a drop that drastic and certainly not for an account being removed. I am sure it dropped a small fraction of that when the account was in default. This makes no sense. I called Equifax and three different people would only say that it is system generated and they have no control. There is obviously a system glitch and they refuse to do anything about it. Dropping XXXX points is astronomical especially when it is for doing the right thing and making payment arrangements. 

The second issue is that when I sold my house and paid off my mortgage my score dropped about XXXX points. I am not sure if anything can be done on this. Also, now on the list of items that hurt your score, it states that I have no mortgage. Again, not sure what can be done here. It seems to me that if someone makes the financially smart choice to sell and downsize so that they have no mortgage payment then that shoul be a good thing. Makes no sense to me how this would be a bad thing on my credit. I understand the amount outstanding is gone and the account is closed. I also know that credit scores do not like to have accounts closed. But ... this is a mortgage and when you pay it off you have no choice but to close the account, it's done automatically. I shouldn't be penalized for this. 

Today, my biggest issue is the XXXX point drop by Equifax just because I did the right thing and made payment arrangements on an account. It's just not right. 

There is now another account showing up as a collection - XXXX XXXX I have made payment arrangements with them today. I am obviously concerned that if they also remove it from my credit I will again be penalized for doing the right thing. I am going to do the right thing anyway but Equifax needs to adjust their system. 

I am trying very hard to clear past items up and get my credit scores up. I should not be penalized for this. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent Experian a letter via certified mail and received a signature upon delivery on XX/XX/2021 as shown by the attached signature image and a screenshot of tracking history provided by the postal service. I have needlessly sent a second letter to an updated address since I briefly believed that their failure to respond was due to not having received the dispute letter mailed on XX/XX/2021. However upon receiving the proof of signature by an agent, I now know that thats not the case. 

In both letters I demanded that 2 credit lines and 7 hard inquiries be deleted from my report since Under 15 USC 1681b Permissible purposes of consumer reports ( a ) 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.

I never gave EXPERIAN written consent to report anything on my consumer report, no consent is identity theft.

In accordance with 15 USC 1681i. ( a ) ( 1 ) ( A ) - if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency 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 the 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 reseller.

Clearly, federal law requires Experian to respond to my dispute within 30 days of the dated return receipt, which I have attached. They have failed to respond within that time period in violation of my consumer rights via the FCRA and must now delete the disputed items of information mentioned in the original letter, which I have also attached.
Product: Mortgage

I applied for a Home equity loan with Regions bank. I provided sufficient income, employment history and credit docs required 2 months ago. I also included a letter explaining my decrease in income for XXXX. I got no communication from the loan officer other than initiated by myself. After waiting for status update, I was informed verbally only that my application had been declined for excessive debt to income. My annual income for XXXX is over {$90000.00}, my debt is less than {$1300.00}. Per month, credit score requirements were met. My debt to income is well below the XXXX XXXX XXXX XXXX threshold. The underwriter, never conditioned for more income documentation or an. The explanation the underwriter calculated a 90 day year to date pay stub over a 12 month period, i had recently changed jobs and was stated in my application. The ban underwriter never completed a verification of employment from my prior employer for the remainder year to date income amount. My debt to income is less than 6 %, guideline max debt to income is 41 %, no reason for decline. Now thy want me to reapply, pull another credit report that will affect my credit scores and yet the original credit report is valid for 120 days from application date. This is wrong. I was denied credit based in their lack of due diligence and following income calculation protocol and not giving me the consumer the opportunity to have them realize their error. I meet all guidelines for an approval for the application. I am being denied erroneously. I have tried for the past month to speak with someone in management and yes, they admitted the error was on their part in writing but still failed to correct the problem with out affecting my credit and also being out of compliance for adverse action notification to the consumer.. Please advise.
Product: Mortgage

I just got foreclosure sale date notice today for  XXXX   XXXX   XXXX  by certified mail while in the modification proce ss. Ocwen Loan Servicing keeps violating the law over and over again. My California Home Owner Bill of Rights.The attempts to wrongfully   foreclose on my home. The foreclosure notice which states that    XXXX  is the foreclosing party. In California  XXXX  can not foreclose by law. VOID! VOID! VOID! CALIFORNIA STATE SUPREME COURT RULING  XXXX   XXXX   XXXX . How many more times is Ocwen going to keep breaking the law. It is a crime. FRAUD. People go to prison for commiting FRAUD. But not the PRESIDENT AND CEO and of them that commit FRAUD AND THEFT a t Ocwen. All the fines Ocwen  has received from different California agencys has not stopp ed Ocwen from this wa y of doing business. It must STOP NOW. Ocwen is currently under investigation with CALIFORN IA FINANCIAL PROTECTION BUREAU AND   OTHER AGENCYS. Ov er 1000 law  suits going on right now against them. Al so Class Action Law s uits.   I am a victim of Ocwens behavior and it must stop now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was an Account : XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Bank statement, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Transunion not blocking this account is inadvertently resulting in me being extorted.
Product: Money transfer, virtual currency, or money service

I used an App known as " Wave '' or " XXXXendWave  '' to send {$660.00} from XXXX, Texas to XXXX, XXXX. The funds were supposed to be for purchasing Auto Racing equipment. 
Transaction Time was : XX/XX/2020, XXXX XXXX EDT. 

The intended recipient already stated that the funds never arrived in his account and he has proof that XXXX XXXX XXXX XXXX XXXX XXXX in XXXX stated that the funds never posted because he had an exceeded limit of funds in his account for the transaction to go through. I have written to the people at Wave and from time to time I would get bounced from one support associate to another and the cycle would start all over again and they ask me to write another explanation. I have all transcripts between myself and the company and the last was from an associate named XXXX XXXX and this is what it states " This is XXXX from Sendwave. So sorry about that. We have sent a reversal request to XXXX and we will update you as soon as we receive feedback within 24 hours. '' Below are the details to my transaction!! 

Amount Sent : XXXX USD Amount Received* : XXXX XXXX  Exchange Rate : XXXX XXXXXXXX  USD Transaction Time : XX/XX/2020, XXXX XXXX  EDT Funds Available : XX/XX/2020, XXXX XXXX  EDT Confirmation Number : XXXX Email us at XXXX XXXX XXXX if you have any questions about this transaction!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several negative items on my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). The following is a list of the negative items : The inquiry by XXXX XXXX XXXX XXXX  on XX/XX/XXXX was not authorized by me. According to the FCRA, credit inquiries must be authorized by the consumer in writing, and I have no record of providing such authorization. Therefore, I request that this inquiry be removed from my credit report. 

The inquiry made by XXXX - XXXXXXXX XXXX on XX/XX/XXXX has reached the statute of limitations. According to the FCRA, credit inquiries that are more than two years old should not be reported on the credit report. Therefore, I request that this inquiry be removed from my credit report.

Similar to item 1, the inquiry by XXXX XXXX XXXX XXXX on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

The personal information on my account number, which belongs to XXXX XXXX XXXX in XXXX, CA XXXX, is incorrect. The FCRA requires that all personal information reported in the credit report must be accurate. As this address belongs to someone else, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXXXXXX XXXX XXXX XXXX  is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The account number belonging to XXXX is not my employer, and the FCRA requires that all information reported must be accurate. Therefore, I request that it be removed from my credit report. 

The inquiry made by XXXX XXXX  on XX/XX/XXXX was not authorized by me. As per the FCRA, any credit inquiry not authorized by the consumer must be removed from the credit report. Therefore, I request that this inquiry be removed from my credit report. 

In accordance with the FCRA, I request that you investigate and remove the aforementioned negative items from my credit report. Thank you for your prompt attention to this matter. 

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

In accordance with the Fair Credit Reporting act, the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX has violated my rights. I did not give my consent for them to have or handle my private information and they have made no attempts to contact me or attempted to provide an itemized list of the claimed charges.

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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. Section A ( 5 ) 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 and crimes which antedates the report by 7 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 or other personal consumer reports

XX/XX/year>, {$500.00}, I sent letters certified XX/XX/year>, {$160.00}, I sent letters certified To all three credit bureaus asking for a 1099
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX