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

I'm writing a second complaint on this one. There are still accounts on my credit report that should not be there ; I have filed your company a dispute last month XX/XX/year>XXXX  which I am quite clear about the accounts that were fraudulent and in issue.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX XXXX Account # : XXXX Balance : {$5200.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$520.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$40000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXXXXXX XXXX XXXXXXXX Account # : XXXX Balance : {$110.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$970.00} Date Opened : XX/XX/XXXX Account Status : Closed EQUIAFX XXXX Account # : XXXX Balance : {$30000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRIES Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX  XX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX 
A credit alert found threw Capitol One advised me that my social security number was used in the dark web XXXX, XXXX, twice. The alert says a XXXX account breach occurred in XXXX of XXXX. Ive had XXXX XXXX XXXX for 6 years. Im on a fixed prepaid plan. I also noticed my Mothers address and phone number was used. I havent lived at that address in over 6 years and NEVER use my mothers internet phone number for reference, as nobody will ever answer it. The po box used belongs to XXXX XXXX who is my step-father. I have no contact or interaction with these people so please be advised I have no clue as to what, who, when and what else. Please investigate!
Product: Credit reporting or other personal consumer reports

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

ACCOUNT NAME XXXX XXXX, XXXX Account : XXXX XXXX and MIDLAND CREDIT MANAGEM Account : XXXX and XXXX XXXX XXXXXXXX Account : XXXX USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
Product: Mortgage

loan depot must conduct an thorough investigation about possibly scam artist XXXX XXXX scammed me out of my home XX/XX/XXXX and moved in the next day around XX/XX/XXXX has gotten multiple loans and are hitting my credit or by emails. I never conducted the loan action with loan depot in XXXX and want you to investigate who did as I know from my loan he has gotten loans with HUD in XXXX, step forward, michigan assistance program, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX all possibly in my name or under my account. 

please investigate.
Product: Debt collection

On XX/XX/XXXX somebody open a Discover Account under my name getting a credit card delivered on the address that I lived befor of XX/XX/XXXX. After that date I move to Texas, so I never applied or recieved anything. I was sending letters to Discover Financial Services to take out this account from my credit reports and form their records because I was a victim of identity theft. They do not want to take it of because they insist that is mine. 

I Ask them, to verify the signatures and the information demostrating that I didnt live in that addres at the time that they said that the Credit card arrived.
Product: Debt collection

I disputed the validity of the alleged debt. I also requested verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I have had different companies reach out to me about this same alleged debt. 

Account : PORTFOLIO RECOV ASSOC : Account No : XXXX Amount : {$390.00} Account : PORTFOLIO RECOV ASSOC Account No. : XXXX Amount : {$460.00} I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX, XXXX, and XXXX. You must Cease XXXX efforts until this alleged debt is validated. You must show proof that you legally own this alleged debt and that it is accurate and complete.
Product: Debt collection

Rent Recovery Solutions Account Number : XXXX Recent Balance : {$290.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : {$290.00} past due as of XX/XX/XXXX Action certified mail sent XX/XX/XXXX
Product: Debt collection

Consumer Financial Protection Bureau ( CFPB ) Complaint Date : XX/XX/XXXX Subject : FCRA Inaccuracies Discrepancies in Date Opened and Last Active Date Across Experian and XXXX I am writing to file a formal complaint regarding multiple inaccuracies on my credit report that are affecting my credit profile. The account in question has discrepancies regarding both the Date Opened and Last Date Active across the credit bureaus Experian and XXXX. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), and I am requesting that these issues be deleted immediately. 

Personal Information : Full Name : XXXX XXXX Account Number : XXXX Date of Birth : XX/XX/XXXX Social Security Number ( Last XXXX Digits ) : XXXX Inaccuracies in Reporting : Date Opened Discrepancies : Experian : The date opened is listed as XX/XX/XXXX. 
XXXX : The date opened is listed as XX/XX/XXXX. 
These XXXX reported dates can not both be accurate. The information reported must be correct and consistent across all credit bureaus. I am requesting that the inaccurate date opened entries be deleted from my credit reports. 

Last Active Date Discrepancies : Experian : The last date active is listed as XX/XX/XXXX. 
XXXX : The last date active is listed as XX/XX/XXXX. 
The inconsistency between the last active dates on Experian and XXXX is also inaccurate and requires that the incorrect entries be deleted from my credit reports. 
Legal Reference : Under XXXX XXXX XXXX XXXX ( FCRA ), when a consumer disputes inaccuracies on their credit report, the credit reporting agency is required to conduct a reasonable investigation and delete any inaccurate information. Specifically, XXXX XXXX XXXX XXXX ( a ) mandates that : The credit reporting agency must promptly investigate the dispute ( typically within XXXX  days ). 
Any inaccurate or incomplete information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Experian continues to allow this unregistered debt collector unlawfully report unverified information. I have submitted several disputes.
Product: Mortgage

Planet Home Lending is the current Loan provider for my personal VA loan. My house is on the market and another Veteran is interested in assuming the VA loan for my home. 

I called Planet Home Lending to verify the assumption process and find the next steps. ( XXXX ). 
The customer support collected the potential buyers information, then told me the process could take up to 6 months to complete, per their internal policy. 

I called their company again ( XXXX ) to verify the 6 month process, and their front facing customer support personnel ( a new a different person ) told me the same thing. They refused to elaborate on the process and told me that was their policy. After I informed them I would be taking this up with the state, VA, Consumer finance, and a personal XXXX complaint ; they proceeded to " review '' their policy for 20 minutes. Then they told me their policy was actually for a 2 month turn around for loan assumption processing. 

The VA has policy out since XX/XX/2023 ( Circular XXXX ) that makes this a 45 day process for loan providers to move VA assumptions. It also states that if it takes longer than that, we are authorized to request VA involvement, and possible shifting of loan underwriting to the VA. 

this company has a customer support policy to tell veterans unrealistic and scary timeframe turn arounds on beneficial programs, that would save Military and Veteran personnel financially. It directly support the Loan industry to scare veterans from a lengthy process. If I did not press the issues and call the VA, and instead just pushed their policy to the potential buyer, I may have lost that potential buyer.

This is predatory in nature, and the fact that two separate customer support personnel gave me the same information up front, but had follow up information after pressed, shows a disregard to the VA policies and to veterans.
Product: Credit card or prepaid card

I am writing this to explain the sequence of events and my discovery that capital one had closed ( XXXX ) of my credit card accounts without notice or consideration. Ultimately, without notice, I am unsure of the date ( XXXX ) the accounts were closed. 
I know Im just a number to them but also an RN who works in the emergency Department and did contract covid in XX/XX/XXXX. Unfortunately, even though I am vaccinated, my symptoms were/are long-standing. As a result, my income was minimum as the state of Illinois only pays you for 5 days ( XXXX hours ) due to new laws. This was a hardship for me as I was unable to pay many of my bills. Recurrent charges were attempting processes, there were ( XXXX ) returned payments for my XXXX and platinum card in a 1 month period. This has never occurred. I have been with capital one for approximately 4-5 years accumulating more relationships in other branches, accumulating more cards, and increased credit ( without request ). The Capital one auto finance reached out to me as they were concerned about my payments as this has not been my regular habits. At that time they were updated that I did have XXXX and worked with me by pushing one of my car payments back. I telephoned the credit card customer service line ( XX/XX/XXXX ) to communicate preceding events as well as let them know that I value my relationship with them and am back to work as evidenced by my recent payments. Id spoken with two people to explain dates, challenges, obstacles, as well as the fact that I almost died and the last person I spoke with let me know that there was nothing that Capital one nor I could do because the accounts were permanently closed. I am experiencing the harshest punishment without warning or consideration after being a faithful customer.
Product: Mortgage

My loan servicer has repeatedly billed my escrow account for lender placed insurance coverage of their own even though I have repeatedly sent them copies of our Condominium Association Master Policy via fax TO XXXX, and the website they provided for transmittal, ( XXXX, XXXX ) every time they have asked. I have fax transmittal receipts as well as confirmation from XXXX for the policies spanning the past few years. 
I believe this is just another mortgage servicer scam that they perpetrate upon individuals like me. They claim not to have received the required evidence and benefit from the placement of their own coverage through premium commissions or their own company-owned policies. Their premium charged to my escrow account is approximately {$620.00} for each year they have added the coverage in spite of being faxed or uploaded copies. If you multiply that amount times the thousands of mortgages they service and can proliferate the same scam upon those homeowners, it boggles the mind -- especially given that they do this year after year.
Product: Credit reporting or other personal consumer reports

My payment history is typically consistent, and these late payments are incorrect ; I need you to correct this right away.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the mishandling of my XXXX XXXX account, including unauthorized charges, late payments, and the failure of XXXX XXXX XXXX XXXX to address my complaints in a timely and effective manner. 

Based on the findings of the Consumer Financial Protection Bureau ( CFPB ), which recently ordered XXXX XXXX XXXX XXXX to pay over XXXX XXXX due to their failures in managing customer disputes, I believe my situation is a clear example of their mishandling of customer concerns. Despite multiple attempts to resolve this matter through XXXXXXXX XXXX XXXX XXXXXXXX, my disputes over unauthorized charges and subsequent negative impacts on my credit report have not been addressed. 

Specifically, the following issues have occurred : Unauthorized Charges : I have disputed several unauthorized transactions made to my XXXX XXXX. Despite my efforts to report these issues through the designated channels, my disputes were not investigated properly or acknowledged in a timely manner, as required under federal law. 

Late Payments on My Credit Report : Due to the failure to address my disputes promptly, late payments and negative marks have appeared on my credit report, despite the charges in question being unauthorized or disputed. This has caused significant harm to my credit score and financial standing. 

Failure to Respond to Complaints : I have submitted multiple complaints regarding the unauthorized charges and late payment issues, but I have not received adequate responses or resolutions. XXXX XXXX XXXX XXXX XXXX failure to respond to my complaints and investigate the disputed transactions within the required timeframe is in direct violation of federal law, as highlighted in the CFPBs enforcement actions. 

The actions of XXXXXXXX XXXX XXXX XXXX, as outlined by the CFPB in its enforcement actions, are clear violations of the Consumer Financial Protection Act and the Truth in Lending Act. These failures have caused undue financial harm and stress, and I demand the following actions be taken immediately : The removal of all unauthorized charges from my XXXX XXXX account and the correction of any negative credit report entries related to these charges. 
A full investigation and resolution of my prior complaints regarding this matter. 
A prompt and thorough response to my disputes and an explanation of why the legal requirements were not followed. 
I am requesting that this issue be escalated and investigated further, and that appropriate action be taken to resolve my account disputes. Given the extensive nature of the issues I have experienced, I also ask for an immediate review of my credit report to ensure that any incorrect information is removed. 

Please consider this my formal complaint and dispute for action by the XXXX XXXX XXXX and the Consumer Financial Protection Bureau. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the resolution of my complaints in a timely manner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  account number XXXX Im unfamiliar with this account XXXX XXXX account number XXXX My identity was stolen i tried to this but I got no information XXXX XXXX XXXX account number XXXX Im unfamiliar with this account
Product: Credit reporting, credit repair services, or other personal consumer reports

My Credit score is XXXX My credit card # XXXX XXXX XXXX XXXX Exp XX/XX/24 Had this card for 4+ YEARS. ALL OF TRANSACTIONS ARE BEING REJECTED BY BARCLAY 'S BANK, OVER THE PAST 30 DAYS. I HAVE PAID ANY AND ALL XXXX BALANCES IN A TIMELY MATTER. I HAVE SPENT OVER SEVEN ( 7 ) HOURS ON THE TELEPHONE TRYING TO RESOLVE THIS MATTER SPEAKING TO THE SUPERVISORS ON DUTY. THAT ASSURE ME EVERYTHING HAS BEEN RESOLVED ONLY TO HAVE MY NEXT PURCHASE REJECTED. 
BARCLAYS BANK IS A BANK THAT CAN NOT BE TRUSTED. )
Product: Credit reporting or other personal consumer reports

I was shocked to discover inaccurate accounts on my credit report this morning and I have no clue why theyre there. I regularly check my credit report, but this time, there were sudden discrepancies that I can't explain. I even tried refreshing my browser, hoping it was a glitch, but unfortunately, the errors remained. I really need these documents to be thoroughly reviewed so I can stop stressing over this once and for all.
Product: Debt collection

I moved out the apartment XXXX  XXXX at XXXX on XX/XX/year>, my employer was relocating me and they were to pay the lease breakage fees that was {$2700.00}. The property manager was aware of same and we were all in agreement. My employer mailed the check which was delivered on XX/XX/year>. XXXX  at XXXX cashed the XXXX on XX/XX/year>. 
Prior to that I had been reaching out to the property to clear any outstanding balances as well as I had someone go into the office to request information for me. I am yet to get a direct response from the property manager despite my many attempts to clear if any outstanding balances. I have proof of countless emails sent to her and calls which go unanswered to this property. 
On XX/XX/XXXX I got a call from a XXXX XXXX she didnt say where she was calling from she identified as a debt collector that I owed and I needed to pay. I advised her that my employer had sent the XXXX and it was cashed. I asked her for an email to sent proof of same and she provided me with a XXXX email address which to me looked fake, however I still sent the email. I finally got through with the property and they informed me that I didnt owed nothing and that my bill has been cleared and they provided me with a ledger of same. 
I thought this was over until I checked my credit report and saw IQ Data International as a creditor which lowered my credit score. I called and stated I have proof that I dont owe this property and this is on my credit report. Instead of trying to help they wanted to charge me more money in order to run my credit report and potentially clear the debt on my account. They wanted me to pay {$190.00} start up fees, {$99.00} per month for 3 months while the dispute is being cleared and {$27.00} to generate a new credit report. 
I reached back out to XXXX XXXX and she hang up the phone on me when I said to her per the property I do not owe them. She stated I have to pay the balance and I cant provide the proof I have. I asked for an email and she said the property has to call.
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 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 the amount is {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. I need the following items deleted in my file as soon as possible. 
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

I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

XXXX XXXX, XXXX CREDITOR : XXXX XXXX XXXXXXXX XXXX DATE ASSIGNED : XX/XX/2019 AMOUNT OWED : XXXX ACCOUNT NUMBER : # # # # # XXXX XXXX XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act.
Product: Credit card or prepaid card

There was fraud charges on my XXXX XXXX XXXX XXXXXXXX card that was reported to the company a few years ago. I received a letter from the company that the charges are valid because I have been paying on my card. I requested a re-investigation and Comenity Bank is stating the same thing. This bank has failed to do a proper investigation. They are presenting inaccuracies which clearly shows no real investigation was done. The company refuses to outline in writing how their determination was made.