23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

SinceXX/XX/2019 I have been receiving calls from " unknown caller '' I don't normally answer calls from " unknown callers '' because they dont have a number they are calling from, a lot of times in the past they have been a fraud call or something trying to steal money. I have been receiving XXXX calls a day since XX/XX/19 from the Unknown caller, this morning I decided to answer it. I answered with who is this? a female answered and said " is this XXXX XXXX '' I again said who is calling, she would not tell me until i finally said yes this is XXXX XXXX. She told me she was calling from Commenity Bank, for XXXX and XXXX, a credit card I have. I told her she can not be calling me from a blocked number, or an unknown number, that their calls must come from a number I can see and return the call. Her response to that was that its my " XXXX '' showing the number as unknown, I have never had this happen in the past, if someone is calling my phone doesn't know it always shows the number they are calling from without a problem. Please help with this problem, credit card companies should not be allowed to have their numbers show as unknown, they have never left a message or anything with the XXXX calls they have made to me since XX/XX/19.
Product: Credit card or prepaid card

I had to open up this credit card because I need to get my teeth worked well I didn't have money at the time so the dentist I went to was promoting the Care Credit card so I called they told me that I would have no interest for the entire year got approved and nothing else was told me that was it. Meanwhile I was making payments for months and I went online for my account and saw that they added a XXXX addition to my charges for months of about XXXX dollars for months. I went and called them multiple times for this situation and said how unethical and misleading it was that they would charge this addition without me even knowing. They told me to call the security card company and they said they could do nothing for me. I had them stop the charges finally but would not give me my money back for something I didn't sign up for or even know. Then right went when I got XXXX statement they charged me XXXX dollars because I didn't pay of the card before then new year I guess but was told I would get no interest for entire year but never told me I would not even get 12 months because of the new year. When I called they said that was the only charged now its XXXX and I am charged additional interest charges of XXXX dollars. I have never experienced this type of misleading and confusing tactics to basically milk you.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : This Consumer Note is my official call for you to discontinue reporting of the items below-displayed and aforementioned contested allegation in its reportability and challenged for its evident certified compliance of reporting only true, accurate, complete, timely, and or else wise physically verified and validated claims. Due to at least these few compliance-issues in your current reporting I demand you prove beyond doubt your claims ( XXXX ). 
This XXXX item is deficient as reported, as below-displayed in evidence of uncertified XXXX questionable even poor reporting. Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and maximum possible completeness, and even the reporting mandates related to the standard of certifiably compliant reporting is that there be no swaying from the XXXX @ FORMAT compliance since, per XXXX, DNP XXXX Any deviation from these standards jeopardizes the integrity of the data so remove or rectify your current not confirmed nor certified claim of adequate compliance, as is mandated! 
I wanted to inform all parties that in the last thirty ( XXXX ) days that I have contacted the Federal Trade Commission. I explained in my letter to that, you, as a XXXX XXXX XXXX have not complied with any of the Laws under the FRCA Laws XXXX Identity and XXXX XXXX Validation and Disclosure, XXXX XXXX Responsibilities of the furnisher of information. 
I am demanding that you remove all inaccurate accounts from my credit profile in the next XXXX ( XXXX ) days or I will have no other recourse but to file an injunction against your agency under XXXX which makes you financial liable for each inaccurate account. Also, under XXXX Section A liability for willful non-compliance your agency has yet to respond to my questions and statements of the XXXX. 
Please delete the following unverified fraudulent account : 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: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, 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. These accounts XXXX, Experian, and XXXX, are not complete and accurate. 


[ XXXX XXXX ] date last reported is not is not accurate, and date last active is not accurate. 
Last date reported : XXXX XXXX, Experian XXXX XXXX XXXX Date Last Active : XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date last active is not accurate. 
Date Last Active : XXXX - XX/XX/XXXX, Experian- XX/XX/XXXX [ XXXX XXXX XXXX ] - Date Last Active is not accurate. 
Experian [ XXXX  ] - date last active - XX/XX/XXXX XXXX [ XXXX ] - date last active - XX/XX/XXXX
Product: Debt collection

Hi my name is XXXX XXXX and this is my first time filing a complaint using CFPB. Since XXXX I have been working on improving on being more financially responsible : Budgeting, paying bills on time, and self educating myself. I check my reports frequently through XXXX XXXX   and it bothers me to see the following Medical collections below listed on my account. This could have been a simple misunderstanding of me having insurance or not as Im not a big fan of the hospital, sof I have been on ssdi for 2 years and recently started a new job working a job 30-40 hrs a week. My goal is to clear out any errors regarding my credit, build it too a XXXX by XX/XX/XXXX and XXXX by XX/XX/XXXX. So far I have paid a debt to XXXX in full of {$2400.00}, pay rent on time, and created a in-progress budget plan. I will work to get to where I need to be slowly and surly. Im in the process of rebuilding my credit score and these remarks are hurting my credit. Any advice /help to remove these remarks would be great. Thanks for your time and I look forward from hearing from you. 

Revsolve {$470.00} XX/XX/XXXX {$1800.00} XX/XX/XXXX XXXX XXXX XXXX $ XXXX XXXX XXXX. 
{$1300.00} XX/XX/XXXX XXXX
Product: Mortgage

I took a 30 year home loan for {$180000.00} on XX/XX/XXXX. I have since paid the remaining balance down to {$170000.00}. I paid 5 % down on the original home price of {$190000.00}. I was required to have PMI. 

Since our original purchase, our home value has increased dramatically. We invested heavily on a remodel, as well as general home value increasing in the neighboring area. I have attempted multiple times to remove my PMI with Freedom Mortgage and have not received any recognition or response. 

In XXXX, our tax assessment increased to a total of {$210000.00}, which means our ratio was close to the 20 % threshold. I wrote a written letter on XX/XX/XXXX and requested that our loan be reviewed and if necessary, I would pay for an appraisal to show the value had increased. I received no response. 

On XX/XX/XXXX I received an updated tax assessment of our home being valued at : {$240000.00}. At this value, we have significantly beyond the required 20 % ratio. 

On XX/XX/XXXX I called and requested PMI to be removed. The customer representative once again reiterated the need for the letter to be written, but explained that an email with an attached letter would suffice. She said they would respond with the approved appraisers to use. 

On XX/XX/XXXX I wrote an email including an attached letter requesting PMI removal again. I explained that I would pay for a re-appraisal to prove the updated home value if necessary. 

On XX/XX/XXXX I followed up on the email and explained if I did not receive a response by XX/XX/XXXX, I would be following up with the CFPB. 

XX/XX/XXXX -- I have received no response from Freedom Mortgage. 

After repeated calls and written letters via postal and email, I have received no response to my request to remove PMI.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Correction of Incorrect Name and Address Information in My Credit Report Dear Sir or Madam, I am writing to request the immediate correction of inaccurate information in my credit report related to my name and address. 

My correct and only name is : XXXX XXXX XXXX XXXX. 
My correct and only address is : XXXXXXXX XXXX XXXX. 
Upon reviewing my credit report, I identified errors related to my personal information that need to be corrected. Below, I have outlined all inaccuracies : [ List the errors exactly as they appear in your credit report ] To facilitate the correction, I have attached documentation verifying my identity and accurate information, including : A copy of a government-issued photo ID ( e.g., drivers license or passport ) A copy of a utility bill or bank statement showing my current address I respectfully request that you : Correct my name to reflect XXXX XXXX XXXX XXXX XXXX 
Update my address to reflect XXXXXXXX XXXX XXXXXXXX. 
Remove all incorrect or outdated entries related to my name and address from my credit report. 
Please confirm in writing once the corrections have been made and provide me with a copy of my updated credit report. 

Should you need additional information or documentation, feel free to contact me at XXXX or XXXX. 

Thank you for your prompt assistance in resolving this matter. 

Sincerely, [ Signature, if on paper ] XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern I XXXX XXXX was finish with payments with XXXX XXXX and the account was closed but the information on my credit report is not closed and have late payments attached I need the account removed because the inaccuracy is directly affecting me. 

Date opened XX/XX/year> closed XX/XX/year>XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my SECOND NOTICE that I'm DISPUTING inaccurate personal information found on my credit report. The following information is NOT ME and I have NO RELATIONSHIP to it. Please remove the following information from my credit report immediately- If you continue to report inaccurate information I will be filing a lawsuit for wilful noncompliance to FCRA regulations. 

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

I began receiving collection letters and calls from XXXX XXXX XXXX stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for XXXX XXXX XXXX. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named Radius Global Solutions LLC. I called Radius Global Solutions LLC and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from Radius Global Solutions. On XX/XX/, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and XXXX XXXX as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.
Product: Debt collection

I received a letter from Jefferson Capital regarding a fraudulent debt that XXXX has already stated theyd cancel/waive this due to identity theft ( See attachments ) however Jefferson Capital is trying to collect on a fraudulent debt.
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 ano- 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consume
r 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

There were multiple transactions that were made from my account and I wasn't able to do anything about them. Cashapp customer service didn't do anything to help me either. I was never able to recover the money from the transactions and they closed me account on top of it.
Product: Credit reporting or other personal consumer reports

my XXXX Many years ago used my personal information without my permission and used for bad porpoise I never authorized that she apply for a credit card and used
Product: Prepaid card

I felt I didn't have control over my money and they were charging me fees for services while declining my purchases instore online and wouldn't let me withdraw from ATM. I called on XXXX and at first the representative told me everything was fine and nothing was with my card. later I was able to take off some of my money but the rest went to fees. On XX/XX/year> I got direct deposit and couldn't access my money to pay my phone bill so I called and was told my card was locked for suspected fraud and I ended up having to close my account and I have to wait XXXX weeks to receive my funds by check in the mail. I never wanted to use this service and feel it was forced on me by my employer because they didn't want to do direct deposit in either of my existing accounts that I already use. I feel scammed by my employer for cheap labor and robbed by money network and I worked way too hard for the little bit of money that I actually got to spend.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Servicing Company SLS ( Specialized Loan Servicing ) has confirmed to me verbally by SLS Representative : XXXX ref # XXXX that the payment history as reported on all 3 credit bureaus is INCORRECT. The bureaus state that in XX/XX/2014 I was 120 days late on my mortgage payments which is incorrect. I have never been late more than 60 days. As a result, I have been denied credit and am being charged additional fees and a higher interest on my refinance loan pending. SLS has refused to contact all 3 bureaus to have the account corrected.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX AZ XXXXXX/XX/XXXXXXXX Balance : {$0.00} ; XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX
Product: Debt collection

XXXX, XXXX, Portfolio, XXXX and other collections agencies have been contacted by XXXX, XXXX and XXXX and they dont acknowledge that most of the collections on my credit reports are old debt and uncollectable. In Minnesota where I live, 6 years after the last payment towards each debt they are supposed to not be on my credit report. The collectors are ignoring requests for removal and even updating the collections when they are supposed to have been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 item/accounts/information 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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 an inquiry was pulled on my XXXX Credit Report, by XXXX XXXX XXXX and it was flagged as fraudulent and a letter was sent to me concerning the application. 

I spoke with XXXX and was informed that all of the credit reporting bureaus would be notified to remove the inquiry and a letter of confirmation was sent to me. 

I have spoken to XXXX XXXX on many occasions, to inquire as to why the inquiry hasnt been removed and was informed each time that they were not notified by XXXX about the removal request by XXXX and they can not find it in their records. 

So, I sent XXXX  a copy of the letter sent to me from XXXX, stating it should be removed. 

Upon, giving XXXX  ample time to correct the error, I called XXXX  again, about the incorrect inquiry and was informed that although XXXX dated the letter but did not include in the body of the letter, the date of the inquiry, XXXX  refuses to remove the inquiry and has requested me to have XXXX rewrite the letter to include the dated the inquiry was made. 

I have requested XXXX to rewrite the letter to no avail. 

This is a violation of FDCA, XXXX knows to the date of the inquiry on their records and can clearly see the information matches in XXXX letter. 

I should not have to jump through hoops to get XXXX  to to do their job and XXXX  should keep better records of information provided to them multiple times by XXXX. 

I have had other issues with XXXX  using the excuse they cant find various information in their records for accounts although they have sent me copies of the information on their letterhead. 

XXXX  refused to reinvestigate.
Product: Credit reporting, credit repair services, or other personal consumer reports

show tooltip button CAPITAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed ftc
Product: Debt collection

Ditech Financial is continuing to report a balance and collect on a debt, for a house sold. The balance was taken care of, and also this debt is past the statute of limitations.
Product: Credit reporting or other personal consumer reports

Incorrect reporting of medical debts as per CFPB. Medical debts to be removed from Credit Reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed a bankruptcy on my credit reports, which came back " verified by the data furnisher ''. As LexisNexis was referenced as the " data furnisher '', but my credit report says " U.S. Bankruptcy Court '', the data furnisher would had to have been the U.S. Bankruptcy Court, and NOT LexisNexis. I am unsure how even LexisNexis would be able to verify my information with the bankruptcy court because State and Federal Courts DO NOT give or furnish any information to 3rd parties, which include credit bureaus and data miners like LexisNexis. My birth date and social security number are NOT items of public record or general interest. LexisNexis has a long history of reporting information that not only does not belong to me, but is factually inaccurate. Bankruptcy and other public records are housed on a LexisNexis report ; since LexisNexis is a credit reporting agency, LexisNexis must adhere to the Fair Credit Reporting Act. Therefore, they need to verify all data with the furnisher, which in this case would be the bankruptcy court - which they do not verify information or provide records to 3rd parties.
Product: Credit reporting or other personal consumer reports

Fraud accounts due to ID THEFT. Please block all fraud accounts and related inquiries per FCRA, XXXX XXXX and CFPB unless you can provide verification of original wet ink signature. XXXX BANK XXXX XXXX, BANK XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX DEPARTMENT OF EDUCATION {$1500.00} Charges filed XXXX XXXX POLICE REPORT attached, address, emails, current bank statement, FTC and ID attached for verification thank you REMOVE ALL NON-ACCOUNT INQUIRIES PER FCRA