23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to formally dispute a collection again that has appeared on my credit report. I have never received any communication from this company or lived or associated with them. Upon reviewing my credit report, I noticed that the collection amount and information are identical to a previous collection that I have already paid in full. 

Furthermore, I do not have any agreement or documentation with the said company. This demand for payment on a collection that has already been settled, and for which I have no legal or contractual obligation, is not only unjust but also a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Violations include : Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, it is illegal for a debt collector to attempt to collect a debt that has already been paid. Your attempt to collect this debt again constitutes deceptive and unfair collection practices. 
The FDCPA also requires that the collector send a written notice within XXXX days of contacting me, outlining the debt details and my right to dispute the debt. I have received no such communication. 
Fair Credit Reporting Act ( FCRA ) : The FCRA requires that all information provided to credit reporting agencies be accurate. Reporting a paid debt as unpaid is a violation of this act, and it damages my credit standing without justification. 
I have the right under the FCRA to request that this inaccurate information be corrected or removed from my credit report. 
The presence of this erroneous collection on my credit report is causing significant setbacks in my financial life. I request that this matter be investigated immediately and that the erroneous collection be removed from my credit report. Additionally, I demand that you cease any further attempts to collect on this debt, as it is unlawful to pursue a debt that has already been settled and for which no agreement or documentation exists. 

Please confirm the removal in writing and provide an updated copy of my credit report once this issue has been resolved. If this situation is not corrected promptly, I will not hesitate to take further legal action to protect my rights. 

Thank you for your immediate attention to this matter.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ) .Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

credit corp solutions is on my credit report, not my debt this debt is from identity theft, in the total amount of {$6000.00}
Product: Credit card

I pay my balance off well before the due date every month via phone because it is the fastest and I save {$10.00} processing fee they charge. 
On XX/XX/XXXX  at XXXX I paid full balance {$190.00} via my checking account. Confirmation # XXXX it was taken out of my XXXX XXXX XXXX account at XXXX on XX/XX/, transaction # XXXX. 
As of today XX/XX/23 XXXX First Progress has not updated my account or made those funds available. Why do they need to hold these funds. They have cleared, in their possession and have no previous incidents of non payment etc to be punitive. I was those funds available asap and to be reported as a positive full balance payoff to the 3 credit report agencies immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi on XX/XX/XXXX I noticed an email from this company stating they reported on time payments with them. I emailed and asked what is the service because I do not recognize the company nor do I recall signing up a virtual subscription credit limit of {$17.00}. I asked for the account to be deleted and cancelled. As of now they havent done so and instead of rectifying the problem over XXXX representatives have emailed me about not closing the account and telling me that I had to have sign up for the account. Again I do not recall it and neither have seen this on my credit report. Now I asked for a PASSWORD RESET. It said the reset code will go to a phone number. I DO NOT HAVE ACCESS TO THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT and I told them that XXXX. So how can I close an account if i dont have the phone number nor do I know the phone number and no im not updating the account nor information to do so. Therefore I asked them to cancel the contract and close the account since they are the ones who can see what Im not able to see. They are the ones sending out emails talking about congrats on an on time payment when Ive NEVER used this at all. They claim it was opened in XXXX and again. I do not recall such thing happening nor me doing it. What is so difficult about closing an account? I also gave the dob and zip code and this support person says they will get back to me when they are able too. Like look XXXX nobody has all day for the XXXX Delete and get this over with.
Product: Credit reporting or other personal consumer reports

Company emailed me notice that they do not intend to investigate because they do not believe I authorized the inquiry 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. The information and Accounts listed below have violated my rights. 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. Consumer must get three disclosures before personal information is disclosed to a non affiliated third party XXXX. Names disputes- XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX ( Name ID : # XXXX ) - XXXX XXXX XXXX ( Name ID : # XXXX ) XXXX. Address Disputes- Address ID # XXXX - Address ID # XXXX Single family - Address ID # XXXX Single family - Address ID # XXXX Multifamily - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Multifamily - Address ID # XXXX Apartment complex - Address ID # XXXX Employer Dispute : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXX. Account Dispute - Account XXXXXXXX XXXX XXXX : Incorrect Status and balance Request immediate deletion - Account XXXX : XXXX XXXX XXXX  XXXX request immediate deletion - Account : XXXX XXXX Bank XXXX balance and status. Request immediate deletion - Account XXXX XXXX XXXX XXXX XXXX : Incorrect account status and balance. Resolved account request immediate deletion - Account XXXX XXXX  XXXX XXXX : Incorrect status and Balance request immediate deletion - Account XXXX : XXXXXXXX XXXX XXXXXXXX status and balance. Request immediate deletion - Account XXXXXXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account XXXX XXXX XXXX : incorrect balance and status : request immediate deletion - Account : XXXX : Resurgent NO CONTRACT request immediate deletion - Account XXXXXXXX XXXX  incorrect balance and status : request immediate deletion - Account XXXXXXXX XXXX XXXXXXXX VIOLATION : request immediate deletion - Account XXXXXXXX XXXX XXXX  incorrect balance and status : request immediate deletion
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

I was charged a debt i do not owe and put into collections, i switched from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, when i switched over i called XXXX auto insurance to cancel my policy, they even provided me with a decleration letter to submit to my new insurance company, at the time of me calling XXXX XXXX insurance to cancel my policy they did not inform me that i owed anything or that they were gon na send anything to hurt my credit, now im in collections and im being contacted by a collection agency, and they can not do that according to 15 USC 1692c ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has illegally reported a total count of nine late payments on my consumer report which is a violation of 15 USC 6802 for reporting transaction history aka nonpublic personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two derogatory reports for the same debt. As soon as I contested the first report through Trans Union, they added a second report for the same debt for twice the amount. When I spoke with the agency some time back, I was told by the original debtor, it was stated that there was no record that they submitted the original bill to XXXX. They refused to re-submit the cost because the debt was to old. Now that the debt was about to drop off, a new collection agency appeared stating twice the amount. By coincidence through Trans Union. I wish to once again contest this derogatory especially after what just happened. Thank you for notifying me of what I consider to be another error. I have worked very hard to clean up my credit. In my opinion the violations are coming through Trans Union, because they are the first that I filed a complaint with. Also again by coincidence, I have at least 2 agencies who are tapping into my credit report. XXXX is legal, the other two are not.
Product: Mortgage

The mortgage company is charging my mortgage account with an unauthorized charge of {$37.00} monthly for an unauthorized optional service. The mortgage company is unable to provide me information as to who they are paying this monthly charge to, what is the optional service account number and what is the payment recipient 's contact information for me to remove the monthly charge from my mortgage account. This has been going on for several years now. And now, the mortgage company has started charging me monthly interest on my non-payment of this disputed monthly optional service charge. I need your help in having the mortgage company remove the {$37.00} monthly charge from my account and the interest on it. I have been trying to resolve this issue with the mortgage company for years now. Please help. Thank you PS My mortgage payments are never late. Most of the times, my mortgage payment is made earlier than the due date.
Product: Money transfer, virtual currency, or money service

I got scammed by XXXX. It happened XXXX last year. I used Crypto.com to convert dollar to crypto to send to scammer. The scammer disappeared and my funds were lost. I contacted cyypto.com and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.
Product: Mortgage

Wells Fargo refused offers on the house more than once and we lost the house.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these inquiries. I didnt fill out these applications and never signed off on any of these. I am a victim of Identity fraud. I spoke to a rep from XXXX, transunion, and XXXX on the phone today and they were not able to help me through this, so I told them I would reach out to you all. 

XXXX XXXX : inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Transunion account inquires : 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: Credit reporting or other personal consumer reports

It has been several months since my last credit report review, and I've found that some information remains inaccurate. Both Experian and XXXX credit bureaus are required to verify this item under Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). Deeming this reported item as unverified without presenting evidence within the legal timeframe is unacceptable. I request an immediate investigation into the unverifiable item and its prompt update in my report, in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I were notified through XXXX, that DMI/XXXX XXXX XXXX  XXXX has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all XXXX and DMI records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX And XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX, XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

No matter how many times I used my card they was charging me additional fees.
Product: Mortgage

XX/XX/2016 XXXX, GA XXXX Director XXXX Consumer Financial Protection Bureau XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX Dear XXXX ; Recommendation : Legal Action Background Select Portfolio Services has responded to my grievance. The responses are general and superficial. SPS does no have the capacity and or will to address individual client complaints and to resolve injustices. 

There is a strong implication that this problem may warrant Class Action Litigation. 

First, I suspect that this economic and financial negligence is systemic. During the Great Recession numerous homes declined in price. Local tax authorities and Mortgage Servicers did adjust the tax escrows and actual payments to the house value decline. 

Further as in the case of SPS when the home was modified this was an act of evidencing an acknowledging that the home value was less than the price at origination. Hence, a tax adjustment was required. A tax adjustment in many cases such as mine would have saved the American 's homes FACT : SPS was notified that XXXX County taxes resulted in mortgage modifications becoming uneconomic. The taxes did not reflect the home market value. 

Negligence The negligence was a modification focus total mortgage debt and not government assistance and not cash flow. 

Modification ( Incomplete and Fraud in Modification ) In fact, it could be argued that less financial forbearance would have been required if the mortgage services had a tax adjustment strategy. The failure of mortgage banks to have a total risk strategy cost US taxes payers and the mortgage servicers shareholders. 

The charge is poor governance, financial negligence, and tax fraud. 

Governance It can be argued the interest earned while holding the tax escrow conflicted the mortgage servicer. This poor risk management increased foreclosures, Decreased mortgage servicing fees and income for shareholders In the case of SPS and many mortgage servicers when notified that the modification had made the mortgage uneconomic. A professional response by SPS would have been to contact the tax authorities and negotiate loss mitigation. This is because the homeowner was losing the home due to excess tax payments and not the principal and interest payment. Modification is not a modification without a tax payment adjustment or modification to market value. The modification was fraud. 

Further, SPS and other mortgage banks were negligent in forwarding or paying the escrowed taxes to the county or other tax authority when they knew that the taxes were excessive with or without a consumer 's complaint. 

SPS and other mortgage denied negligence and would like to pass the liability to the local Authorities. Many local authorities have imminent domain and a statutory limited liability. This is why SPS and other mortgages services must be included in the litigation. 


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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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

Equifax, XXXX and XXXX : I demand my credit be frozen immediately, I have already requested this years ago, but it has come to my attention that there has been many illegal inquiries and information has been shared. freeze immediately. do not share with anyone for any reason. stop collecting information and spying one me to, through things like XXXX and XXXX as well. here is a transcript of another complaint with more information : illegal credit inquiries since 1.1.24 according to 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 this information has been obtained illegally, and the information is false. immediately destroy any information obtained. cease and desist all business activity related to me. XXXX, the credit report was supposed to be locked years ago and i have a confirmation that you locked it. you did not. ongoing litigation, send all inquiries to XXXX XXXX XXXX New York XXXX XXXX i have opted out of all credit products. i have been debanked and all my property is stolen. leave me alone. i will never do business with any of you criminals for as long as i live. XXXXXXXX XXXX. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reason. 

immediately destroy any information obtained. cease and desist all business activity, especially related to me. return capital to creditors NOW! do not share credit information with government either, there has been treason committed within factions of the federal government, it is not safe to share with anyone for any reasonXXXX XXXX lock the report. XXXX XXXX XXXX New York XXXX XXXX XXXX