23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 the 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 errors resolution requirements under the Electronic lectronic 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: Credit reporting, credit repair services, or other personal consumer reports

I have mailed Portfolio Recovery Associates , LLC with 2 separate letters, and also dispute information with all three CRA. With the online dispute it is coming back as verified, with them sending only statement from the company that they purchase a charge off debt, which is not validating the debt. I also sent them letters, requesting Portfolio to remove all 7 of the accounts that they have purchased as a debt buyer and to remove all 7 accounts off all 3 of my credit reports. I have never received any correspondence back from my original request & I still have not heard or receive my green card receipt from that company. I am requesting for Portfolio Recoveries to remove this off all 3 of my credit report due to.

CFBP subpart b-rules for FDCPA Debt Collectors 1006.18 False, deceptive, or misleading representations or means.

( a ) In general. A debt collector must not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, including, but not limited to, the conduct described in paragraphs ( b ) through ( d ) of this section.

( b ) False, deceptive, or misleading representations.

( 1 ) A debt collector must not falsely represent or imply that : ( iii ) Any individual is an attorney or that any communication is from an attorney.

They have on my credit report that they are an attorney/ collection agency and have tried to take me to court in 2018. They have not been able to validate any debt, and a statement does not show proof that they are validating the debt. A letter saying that you purchase the debt from the creditors does not give them rights. They are also validating 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies CFBB 1006.18 False, deceptive, or misleading representations or means.

61. Gross income defined ( a ) General definition Except as otherwise provided in this subtitle, gross income means all income from whatever source derived, including ( but not limited to ) the following items : ( 11 ) Income from discharge of indebtedness ; CFBP 1006.2 Definitions ; ( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.

Everything they are doing or have tried to do is illegal and none of the credit report agency or debt collectors respecting or following the law.
Product: Credit reporting

XXXX XXXX has an account on my Equifax file that is outside of the federal obsolescence time frames for remaining on the file. The XXXX delinquency prior to charge off was before XXXX. I disputed this with all XXXX bureaus. XXXX XXXX and XXXX properly removed the item. Equifax left it on which puts them out of compliance with the Fair Credit Reporting Act and ( at the very least ) guilty of negligent non-compliance under the Act. The account number is listed as XXXX. The open date is XXXX. They list an activity date of XXXX ... but this was an adjustment date by XXXX XXXX and not a payment date that brought the account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a 90 day deferment for my auto lease from Volkswagen credit. For months XXXX, XXXX, XXXX Due to the Covid 19 and being furloughed. XXXX continues to report to the credit bureau that I'm deliquent. The say they will correct it but never do..
Product: Credit reporting or other personal consumer reports

My myequifax.com login has not been working for months and I have been told numerous times that this would be resolved and I would have full access to my login. Most recently the XXXX XXXX XXXX XXXX and technical team escalated a ticket on XX/XX/XXXX telling me it would take 7-10 business days to resolve. It has not been solved in 35 ndays and the XXXX XXXX XXXX XXXX has given me no updates and the XXXX XXXX team has not sent any resolution or communication of any sort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires on my credit report I have contacted each company waiting for a delete and remove letter. 

XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX Inquired on XX/XX/2021 XXXX  XXXX XXXX  Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/2021
Product: Mortgage

In XX/XX/2018 I called shellpoint to let them know that my husband was gon na be out work for 3 weeks and without pay. The guy I talked to said that was fine all I had to do was to spread out the month of XXXX over a 6 month period and my payments were XXXX at that time. So my payments would go up to XXXX a month starting at the beginning of XXXX. I said that would work. He referred me to someone to set that up. I called and left messages and no calls for several days. When I got the call it was after the XXXX and now Im 2 months behind. So to get my payments below XXXX. I had to pay XXXX. So I did. Now, she was suppose to call me the next day and did not. So when I received a letter in the mail showing my new payment of XXXX a month it was after the date of getting it done. So I went online to set up a 2 month payment in XXXX. Then, something told me to call so I did. When I called the lady I talked to told me it was all set up and all I had to pay was the XXXX. I was relieved. So I set the payment up for XX/XX/XXXX. I thought everything was fine. Then I get a call on XX/XX/XXXX saying they r attempting to collect a dept. I call her back the next day and she tells me they didnt receive the payment. Now it has been 3 weeks since the payment was suppose to come out. I have a confirmation number and a 2 letters confirming all of this. She said that it didnt matter and now to get my loan current I have to pay XXXX. Excuse me??!! Then she says if I can make 2 payments adding up to XXXX that would work and then for 6 months my payment would be XXXX and if I pay the fee of XXXX for someone that drove by to take a picture to prove I am still living here it would bing my payment down to XXXX. I tell her I can only pay XXXX. She says ok. Now my payments are gon na be XXXX a month. This is not right or fair. I called for help in time and now 3 months later my 6 month payment has gone fromXXXX to XXXX. There is something wrong with this picture??!! I believe they r giving me the run around to get more money out of me or something. I have received certified letter saying I have 45 days to comply as of today XX/XX/XXXX. What am I suppose to do. I dont want to lose my home we have been here for 23 years. Help me please.
Product: Credit reporting or other personal consumer reports

When I reviewed my recent credit report, I have identified discrepancies that require immediate attention. Specifically, regarding the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The company has acknowledged this error and has committed to updating the status to closed/never late. Other credit bureaus have already corrected the status of the accounts after the companies recognized the inaccuracy of the accounts.
Product: Debt collection

On XX/XX/XXXX, XXXX sent me a letter and contacted me by phone in an attempt to collect an invalid debt from XXXX XXXX XXXX in the amount of {$1100.00}. On XX/XX/XXXX, I sent them an email, which the letter says is valid to accept disputes. In my email, I stated the reasons that the debt was invalid and requested proof from the agency. I stated that the company, nor any future owners of the alleged debt, are to contact me for any purpose other than proving the validity of the debt. I had no further contact from the company. 

On XX/XX/XXXX, Sequium Asset Solutions sent me a letter and has been contacting me at least once per day for the same debt, despite never having proven the validity of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One Credit Card Date opened : XXXX XXXX Account Type : Credit Card Balance : {$430.00} I have no knowledge of this account and would like this account to be removed off of my credit report. I discussed to to Capital one account but there was nothing done about this issue. I never opened this account or used this account. I disputed this account but nothing was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to access either my credit report or my credit score since XXXX of 2021 when I began exercising my rights to dispute and challenge the validity of what the credit agencies have been reporting. When speaking with XXXX  and Equifax they informed me that due to filing complaints I can not gain access to my credit file or credit score. This has caused a delay in my ability to progress and provide for my family due to access to either XXXX  or Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX an account I had with Fortiva a retail credit account for XXXX was closed by the company. My balance is XXXX with 100 percent on time payments. The company which is Fortiva said it was cancelling the contract it had with XXXX. On my credit report in the remarks it says closed by consumer ( me ) which is incorrect. This caused my credit score to decrease by XXXX points. My account was in good standing but was closed because the finance company terminated its contract with XXXX. This is caused a derogatory mark against my credit.
Product: Credit reporting

Equifax questions about loans I 've taken out in XX/XX/XXXX and XX/XX/XXXX and I 've never had XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX, Fortiva misreported my account which damaged my score and report! This has been partially resolve but after three and one half months my scores remain unreported to both XXXX and XXXX. Given a XXXX credit limits the impacts my credit for both bureaus! I have repeatedly contacted them but they remain unmoved! My last response from them was they sent something XX/XX/XXXX but they lied for 2 months about having made contact which they had not!! 
A few yeasts ago, I had to contact CFB, as Fortiva would not send me money as they kept allowing fraudulent charges. You helped me to resolve the problem and hope you can do so again! 

Thanks , XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX, Va XXXX
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX, XXXX had went to the dentist to get an implant applied for a loan through this website, answered three or four questions submitted that they were all true and then it came back with my loan amount, and the annual interest rate with how much it was asking for a down payment, and How long the term was on my monthly payments. I sent in a deposit of XXXX and it sent me an email back of the contract and terms by a whole different company, a whole different contract and put in my information in that contract that were not relevant to the questions that I asked, or signing off on the contract under me when I consented that the information I gave about myself is true, and then they dont want to oblige by the terms and conditions at all going completely get the contract on the late fees, the return fees and then stating that my grace period time doesnt exist anymore they dont do that, and even if the contract says that then the saying that I was charged a whole different amount on top of what the contract says that amount would be for a return fee, but I never returned anything Im updating my card and Im still on my grace period time. Im waiting for my new card. They havent even attempted to make payment and it says that it would be charge the next month for any late payments or return fees when they try to process payment this month and theyre changing everything and whoevers on the phone is saying that it doesnt matter what my contract says so I dont know and then it needs a receipt number on there. They never gave me one with the receipt number on there so I guess its not even valid. And the forms that they sent me after the fact theyre not even signed. And the ones that they printed me out in the office two are not even signed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing accounts on my credit report every thirty days for almost a year with TransUnion ; I filed a complaint with the CFPB in XX/XX/2019, last month, regarding their erroneous, invalid and unverifiable reporting of specific accounts and inquiries. To no surprise, they continue to violate my rights by reporting accounts and inquiries in error. This will be my final attempt to correct these erroneous, invalid and unverifiable accounts and inquiries at this level before proceeding to take further, possibly legal, action. I was very specific about the account names and the corrective action but they ignored and/or overlooked my requests ; TransUnion decided to update records ( still in error ) instead of complying with Federal Law and DELETING unverifiable accounts. I took it a step further ; not only did I contact each phone number they provided, I was also able to confirm with each alleged furnisher that no investigation was conducted by TransUnion and that there is no record of any consumer contract with my signature on it, clearly reporting violations. TransUnion has failed to conduct proper independent investigations, provide methods of verification, provide verifiable proof via original instrument of indebtedness in its original form on multiple accounts and has also failed to provide verifiable proof of permissible purpose on inquiries they continue reporting in error. I understand TransUnion is a for profit business, so they cater to their customers ; the alleged furnishers in attempts to keep consumers credit ratings lowered in order to conduct more business with predatory lenders for obvious reasons. But, the consumers do have rights ; all accounts being reported on all consumer credit reports must be 100 % verifiable and 100 % accurate or they must be deleted, not updated. In the event they, once again, are unable and/or unwilling to comply, I respectfully request this entity be held accountable per violation, per account, per consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a credit check using my credit monitoring service and realized there are inquiries on my credit report that I did not authorize. I would like your agency to assist in getting this removed from my credit report immediately. These accounts are reported as listed here, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

I had open accounts and they accused me a red flag had got all my information and open my account when I got ready to deposit money in the account it was closed and they charge me all type of fee I dont know wat wrong with this company getting people money and business and still treat us like animal and take money money we dont no about and closed accounts without our permission
Product: Debt collection

XX/XX/18 XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ( XXXX ) XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding a negative inaccurate account or accounts, which you claim I OWE XXXX $ ON AN ACCOUNT I DO NOT OWN AND HAVE NEVER HEARD OF. This is a formal notice that your erroneous claim ( s ) is/are now disputed. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Be advised that the method of validation is hereby requested along with the procedure used to determine the accuracy and completeness 's of the information is hereby requested. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. 

Additionally, please provide the names, addresses, and telephone numbers of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature? 

Please also be aware that any negative mark found on my credit reports including ( Experian, XXXX, XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 

Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation : " Defamation " Negligent Enablement of Identity Fraud " Violation of Fair Debt Collection Practices Act ( including but not limiting to Section 807-8 ) " Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

My Contact Info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following accounts do not belong to me and were not authorized by me, have severely affected my financial well-being : Inquires : 1.Account Name : XXXX XXXX XXXX 2.Account Name : XXXX ( Finance ) 3.Account Name XXXX XXXX XXXX ( Finance ) COLLECTION Account name : XXXX XXXX XXXX Original creditor:XXXX XXXX XXXX XXXX XXXX  Account number : Balance : {$230.00} Open date : XX/XX/ The inclusion of these inaccurate and unauthorized accounts on my credit report is a clear violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 and 623. These entries have not only damaged my credit score but have also adversely affected my housing prospects, preventing me from securing a suitable apartment and forcing me into a shelter. I demand an immediate and thorough investigation into the origin of these accounts. Should this matter not be resolved in a timely manner, I will be compelled to seek legal action against the involved parties, including both the creditor and the credit bureaus. Furthermore, I hold the right to pursue damages for the financial and emotional distress caused by the negligence and violations of the FCRA. I request the immediate removal of these accounts from my credit report and a written confirmation of the removal within the time frame required by the FCRA. Enclosed, please find copies of my credit report sections highlighting the disputed accounts and any additional supporting documentation. Your prompt attention to this matter is imperative, and I trust that you will handle this dispute with the urgency it deserves.