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

SOMEONE STOLE MY ID AND SOCIAL SECURITY NUMBER AND USED IT WITHOUT MY CONSENT AND KNOWLEDGE THEY USE MY ID TO OPEN A APARTMENT LEASE IN MY NAME ALSO CREDIT CARDS WAS ALSO OPEN AND THE PERSON ALSO RECIEVE MEDICAL ATTENTION I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA & # XXXX ; XXXX On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
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 XXXX 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 XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This collections is showing on my credit report with XXXX, XXXX, and XXXX. I have disputed the information as i had attempted to pay the late rental fee with XXXX XXXX XXXX XXXX XXXX  that took place during covid 19 due to my loss of employment. The XXXX XXXX XXXXXXXX XXXX denied my late payment and went on with evicting me. As i went through the process and was left homeless. I have disputed and get notified that dispute report submitted by consumer meets requirements of the fair credit act, however XXXX XXXX XXXX conginues to report deliquency on all three credit bureaus. I am native american XXXX XXXX XXXX XXXX., and ask that the credit reporting avencies stop reporting derrogatory info on my credit profiles as it is damaging to my credit. I need contract documents, eviction notice, refusal on late payment docs mailed to XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, why they are reporting the debt on my credit but not on my public profile? This is reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX account number XXXX XXXX XXXX XXXX has failed to update the status of the collection since XX/XX/XXXX however has updated balance due info XX/XX/XXXX. The
Product: Debt collection

I noticed a {$730.00} bad debt on my credit report. I disputed the debt with Wayfair and provided the information they requisted and the letter fron the Social Security XXXX that someone was using my SSAN. 

Wayfair contacted me and stated they were writting off the debt and it dissappeared from my credit reeport. 

Now 2 years later, I noticed XXXX XXXX XXXX XXXX. placed a dept collection notice for Wayfair for {$730.00} on my credit report. They have not contacted me in any way to state they are collecting the debt. I contacted XXXX and requested proof of the debt. When I was talking to them they requested all my personnal information. The line was a open line and could hear several people taking in the background. I refused to state my information they said they already had on a open non-secure line. 

XXXX contacted my wife and demaned she give them my contact information. She gave them my phone number and repeated the request for proof of the debt. XXXX months later I have not received anything or a phone call from from XXXX or Wayfair. 

These people are fradulenty affecting my credit and refuse to prove the debt is mine or contact me in any way.
Product: Checking or savings account

I asked Wells Fargo bank to send me the statements of a checking account I had with them from XXXX thru XXXX. The account was opened in the XXXX XXXX branch of the Bank. 
The bank said that as they can't verify that its me who is asking for the information over the phone I have to personally go to a branch and ask for it. 
I am now living in XXXX and can't go to the US. 
I asked them to send it to the email or phone number asociated to the account but said they couldn't because the system did not allow them to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been attempting to dispute unverified accounts on all 3 of my Credit during this process I have sent 2 dispute letters as well as debt validation letters each certified to XXXX, XXXX and XXXX   on dates XXXX XXXX and XX/XX/2020. To XXXX XXXX XXXX, XXXX Formerly known as XXXX and XXXX XXXX. And the only responses I have received from the Debt Buyers as well as the Credit Bureaus was them verifying the accounts belonged to me without any documents indicating I am who the accounts belongs to. They have been unable to provide me with an original contract ( s )  bearing my signature, account history and other documents I have requested twice. Furthermore after failing to receive proper debt validation from these Companies it has been brought to my attention these debts has been misrepresented. In the Violation of the Fair Debt Collection Practices Act, also in respect to Section 623 of the Fair Credit Reporting Act furnishers must note delinquency within 90 days, list the same date as delinquency as the original creditor and notify consumers of negative listings within 30 days of reporting. All of these statues have been violated by these Debt Collectors and Or Collection Agencies regarding these accounts. I have submitted this complaint in attempt to have these debts removed from all 3 credit bureaus.
Product: Debt collection

I've disputed this account a couple of times through XXXX and the last time they added 42 negative remarks to my account but only to two of the bureaus, XXXX and XXXX. XXXX shows no payment history for this account. As my right to have an accurate report at all times, this information needs to be updated immediately. You are in violation of The Privacy Act of 1974 and 15 USC 6802-6805. Reporting transaction history is illegal. I have suffered emotional damage and humiliation by being rejected for credit extensions based on the lies and slander this company has reported. Charge offs are considered income in which I have still not received a check from this company for. 16 CFR 433.2 states that if I have a copy of my contract then I am the holder in due course. 16 CFR 433.3 states this applies for contracts after 1929. 15 usc 1681 section 602 states I have a right to privacy 15 usc 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 usc 1666b states a creditor may not treat my payment on a credit card account under an open-end credit consumer credit plan as late for purpose. I have tried to get this debt validated with the company and they have failed to provide substantiating evidence. On XX/XX/XXXX I sent a debt validation letter. Their agent received on XX/XX/XXXX even though he signed XX/XX/XXXX. Since then I have not heard anything. They can not produce any proof or contract with my signature. I will be pursuing legal actions in Federal Court if this company fails to meet my demands.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous request to remove fraudulent inquires and 1 fraudulent collection account i have contacted all companies and all tell me its experian that needs to correct the information i have contacted experian and everything still remains unchanged the collection account with XXXX is a cosign account for a person i never known and at a address i never resided at please correct ASAP thank you XXXX  XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX/XXXX  Complete Department Stores Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX  General Clothing Store Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX/XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX Automobile Dealers, New Inquiry date : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX Auto Financing Companies Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX/XXXX  XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX, XXXX XXXX/XXXX XXXX XXXX Automobile Dealers, Used Inquiry date : XXXX XXXX XXXX  XXXX XXXX All Banks - non specific Inquiry date : XXXX XXXX, XXXX XXXX XXXX Telephone Service Provider Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX  Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX XXXX
Product: Mortgage

Carrington Mortgage Company acquired my loan this past year and Ive been on auto payments. My XXXX Bill suddenly they added a {$1.00} donation to my payment without my knowledge and without my permission. 

I called them and they refused to remove the charge and wouldnt provide proof of opt in. Told me they would have to Mail me a form and then Id have to mail it back to get it removed. I stated that by the time that happened they would already have taken my money. Spent over an hour on the phone with multiple staff members and they refused to resolve the problem and remove the unwarranted donation charge.
Product: Debt collection

I am a victim of online fraud. PayPal is also a victim of this fraud but they are saying I have to pay this fraud back. I was frauded by a bogus buyer who was part of a bigger group posing as a legitimate shipping company. They purchased custom, made-to-order bags from me in XXXX and XXXX of XXXX. {$64000.00} was collected from this fraudulent buyer to pay for my bags and their preferred shipper ( XXXX XXXX )- they received over {$16000.00} sent for shipping via my bank ACH and PayPal transfers for shipping invoice. Once money was sent, I was ghosted. In XXXX, a dispute was put through for these charges by the buyer - I showed my policies, my emails, etc. I acted in good faith that this was a legitimate order. I contacted the buyer who then ghosted me. I acted in good faith that PayPal would protect me against fraud. PayPal sided with the buyer because their policies indicate they will only protect me, the seller, if I could provide tracking info. Since I was ghosted and ultimately was frauded by both the buyer and the shipper, I couldn't obtain tracking info to satisfy PayPal 's seller protection ( XXXX XXXX XXXX XXXX ) PayPal 's policies only work if buyer, seller, AND shipper are legitimate. In my instance, I was the only legitimate company. PayPal not only locked me out of my account ( no longer having access to my funds ), they kept charging the XXXX XXXX monthly fee, and they did not subtract the fees they earned from these charges! They have put this into collections. I had mail sent to me while on vacation ( mail sent to my friend 's house! ) I have been getting calls from collections agencies as well as emails. Interest is now being accrued for something I was a victim of. 

If we both were frauded, why is PayPal trying to make money off of me? I have used PayPal 's payment processing since XXXX. The dispute occurred in the middle of XXXX and by XXXX, PayPal provided no information - only a locked account with a negative balance saying I have to pay. I have since discovered this XXXX  fraud is still in operation - other reports online with same numbers, emails, and URLs. Can someone stop this? My business can not recover from this loss. 

Since this order was custom, it means I put people to work as soon as the funds cleared to my bank. PayPal cleared those funds. I put my sewers to work. Once it was time to ship and the shipping company was paid, I was ghosted. Monies were spent and now I'm sitting on XXXX bags that I paid to store in a storage unit. This is a devastating experience.
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 an address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Home equity and VA loan application. 
2019 XXXX XXXX XXXX, d/b/a XXXX XXXX. XXXX XXXX is a registered service mark of XXXX XXXX XXXX. 

XXXX credit score Please investigate XXXX XXXX, XXXX, Experian, and XXXX ; additionally I could not get access to any of these companies today online, Why? I would like to write a complaint and protest dispute on each reporting credit company. Why, no access online today for my written disputes? 

XXXX credit score XXXX, seem to be collusion with XXXX XXXX, XXXX  XXXX, and Experian XXXX. I just paid down all my debt credit cards, XXXX XXXX, and my scores were ridiculously low. 

Access to dispute credit scores and to stop inappropriate collusion of credit reporting agencies! No online access today XX/XX/2019 Again, please investigate all four credit agencies and their practices or malpractices. Why did the three credit agencies develop XXXX in the first place? 

Age discrimination, possible. 

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

On or about XX/XX/2018 a dispute was entered to Trans Union credit bureau concerning 2 state tax liens showing on my credit report. 

Under the provisions of their National Consumer Assistance Plan the to tax liens listed below do not show the name, address, and at least the SSN or DOB of the consumer.

Additionally, the National Consumer Assistance Plan mandates removal if the CRA has failed to verify the public record posting within the last 90 days. 

1st : Trans union failed to verify the public record posting within the past 90 days of dispute.

2nd : Posted item does not show correct address or full SSN or date of birth.

3rd : I have not or ever lived at XXXX XXXX XXXX XXXX XXXX XXXX Alabama XXXX As of this date Trans Union only re verified incorrect information
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time writing ( credit bureau ) about items that are misleading and false reporting on my credit report and they have failed to respond back to me in a timely manner. According to XXXX XXXX. Trans Union XXXX, No. XXXX ( XXXX. XXXX XXXX, XXXX ), ( credit bureau ) may be liable for their willful non-compliance. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Im asking for the CFPB to please hold them accountable for not following the laws. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. XXXX ( a ), they must complete this reinvestigation within 30 days of receipt of this letter. ( Credit Bureau ) had received my second as proof on this ( date ), which mean they now have 15 more days to finish their investigation. Which means they must delete every account they can not verify. 

1. The following personal information is incorrect Account Number : NAME : XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX 4. Validate Account XXXX XXXX Date of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

5. Validate Account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

6. Validate Account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

7. Validate Account XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please removed this inaccurate unverifiable information from my credit report. 

8. Validate Account XXXX XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

9. Validate Account XXXX XXXX XXXX Account Number : XXXX Please removed this inaccurate unverifiable information from my credit report. 

10. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

11. Validate Account XXXX Account XXXX : XXXX Please removed this inaccurate unverifiable information from my credit report. 

The following accounts listed above was disputed twice and the ( credit bureau ) have failed to respond the first time which is a violation of the FCRA. I have attached below proof of stamped certified timing that the letters was received this time by ( credit bureau ) and they must complete this investigation with 30 days or they must remove these accounts they can not verify. Also attached is notarized letter, original dispute letter, and credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$450.00} XXXX   XXXX {$3200.00} XXXX XXXX {$4300.00} XXXX XXXX XXXX {$120000.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTERXXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Mortgage

Chase Bank is fraudulently having attorneys XXXX pursue a foreclosure sale on my home when Chase has no interest in my home I have letters stating this but they are still trying to sell my house. The bank and law firm are STEALING MY HOME how does the justice system allow this to happen. They presented fraudulent documents and affirmed documents that were fraud. I have sent letters to the Attorney showing Chase no longer has an interest in the property Chase states they are NOT PROCEEDING WITH THE FORECLOSURE yet the law firm says they are on behalf of Chase. XXXX who was the servicer after Chase also sent me letters and stated that they are NOT PROCEEDING WITH THE FORECLOSURE.Yet this law firm claims to be doing it for Chase and they wont stop until instructed to by Chase who retained them
Product: Mortgage

I sold my home on XX/XX/XXXX. The mortgage company, Mr. Cooper, provided inaccurate payoff information. The payoff was not provided to the legal team until the day of closing and they were unwilling to correct the problem with any urgency. The company and the website are not providing me with any information about whether they 're going to correct the error and have failed to do anything except make a note on my account that I 've complained. 

The escrow balance on my account on XX/XX/XXXX ( my latest mortgage loan statment ) was {$890.00}. The escrow quoted at the time of closing was {$670.00}. Both the XXXX and XXXX Mortgage Insurance Premiums were deducted from the escrow prior to closing, at a monthly rate of {$100.00} for a total ( difference ) of {$210.00}. The Mortgage Insurance Premium I was quoted on the XXXX payoff was {$210.00} instead of {$0.00}. 

I was also charged interest on the loan through the end of the month in which I closed. I closed on XX/XX/XXXX, which is when the payment is reflected on my account. The interest charged amounts to 23 days of interest on money I no longer owe. All FHA closings which occur after XX/XX/XXXX prohibit FHA lenders from collecting interest through the end of the month by classifying it as a pre-payment penalty. The total interest I was charged is {$950.00} for 61 days. I only actually owed 38 days of interest, or {$590.00}. 

Mr. Cooper overcharged me at closing ( full payment amount not available on their website, legal documents filed at closing are in my possession ) by a total of {$570.00}. I had to bring money to closing with absolutely no warning due to this error.
Product: Credit reporting or other personal consumer reports

I received notification from XXXX credit journey that my Social Security number was leaked in a data breach. So I went and froze my credit with all XXXX bureaus. My Social Security and personal information were used to apply for a capital one card where the inquiry was blocked by XXXX XXXX. They proceeded to still issue a credit card with a XXXX $ limit. Upon calling them they treated as if I applied for this credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES AND MADE A CRIMINAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and Experian CRA. On XX/XX/2020, I mailed XXXX, XXXX  and Experian to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.