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

Upon reviewing my credit report, I noticed there is some unauthorized and inaccurate accounts on my credit report. ( Debt recovery solutions ) is removed off my transunion report but still reporting the inaccuracies on my Equifax and XXXX report. I understand the importance of ensuring the accuracy of my credit report, as it impacts my financial standing and ability to access credit. This item is currently showing inaccurately on my credit report filed with your credit bureau. FCRA section 605b Law 15 U.S.C 15 6801 It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.

TITLE 15. COMMERCE AND TRADE 6802. Obligations with respect to disclosures of personal information, 15 USCS 6802 ( a ) Notice requirements. Except as otherwise provided in this subtitle, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 503 [ 15 USCS 6803 ]. 
( b ) Opt out. 
( 1 ) In general. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 504 [ 15 USCS 6804 ], that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise ... Account : ( Debt Recovery Solutions ) Sincerely, XXXX XXXX XXXX
Product: Debt collection

Midwest recovery Systems has tried multiple times to collect on medical bills that were paid-in-full back in 2014. Last fall I initiated a dispute through CFBP which resulted in Midwest Recovery Systems responding that the debt was invalid and all reporting agencies would be notified. See attached copy of report in the CFBP system. Now Midwest Recovery Systems is again trying to collect this same debt that they acknowledged was invalid. This really is unethical and needs to permanently stop. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Social Security Number XXXX XX/XX/2024 To Whom It May Concern : I am writing to challenge the reporting and compliance of my credit report.

15 U.S. Code 1681c2 ( a ) Block 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, not later than 4 business days after the date of receipt by such agency of. It has been 30 days and you are in VIOLATION of this law because i am a victim of identity theft!! Please delete all items mentioned in my FTC report off my credit report.

These accounts should not be furnished on my consumer report as they are in VIOLATION Under 15 U.S. Code 1681b a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I have NEVER given any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report, which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of all FRAUDULENT IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX  XXXX, LA XXXX Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX  ACCOUNTS listed in my FTC report
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attention to this issue. Attached you will also find my ID as proof of my identity and my Proof of Address.
Product: Credit card or prepaid card

this account was open due to identity theft and was not verified by me.
Product: Vehicle loan or lease

I got a auto loan with wells fargo and everything was fine in the beginning then they starting charging me for insurance I already had.I sent them the info for my insurance several times it got fixed once and then they did it again. My car payment was XXXX they added XXXX a month extra and made my payments to high for me to pay.I tried  fixing it a million times and they wouldn't help me.They since have put my car as a bad charge off and have sent me no info about my car.They have charged me over 2000 car insurance that I have and have had also I don't even know how much in fees my loan should have been paid off by now and I still owe XXXX and they haven't sent me and thing to fix this problem.I feel I have been taken advantage of by wells fargo they have made sure and destroy my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 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 : It also states a consumer reporting agency can not furnish a account without my written instructons 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items or information Any other adverse item of information, other than records or convictions or crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I am writing to formally file a complaint regarding my ongoing issues with the closure of my account and the erroneous charges that have appeared on my credit report. 

In XX/XX/XXXX, I contacted Regions Bank to notify you that I had moved to an area where there is no nearby Regions branch. During my conversation with a customer service representative, I requested to close my account. I was assured that the account would be closed and that any remaining balance would be sent to me via check. At that time, my account balance was {$0.00}, and I verified my address for the mailing of any check. I was under the impression that the account closure process was completed without issue. 

However, in XX/XX/XXXX, I was shocked to discover a notice on my credit report stating that a personal loan through Regions Bank was past due. I immediately logged into my Regions account and found that my bank account had been closed, but the " overdraft protection '' or personal loan account remained active, showing a balance due. I called Regions Bank again and was told that I could settle the outstanding balance, which I agreed to do, with the understanding that the loan would be paid in full and my accounts closed. 

To my surprise, I received an email from Regions Bank on XX/XX/XXXX, stating that I still owed a balance of {$20.00} on this " overdraft protection '' personal loan. Despite multiple calls to Regions Bank and speaking to three different agents, none of them were able to provide a clear explanation of why this balance is still accruing, or why my accounts have not been properly closed. 

I find it highly unreasonable and unacceptable that I am being charged for a loan on an account that I have requested to be closed multiple times, and I have not received any reasonable explanation for these continued fees. It is clear that I have made every effort to ensure my accounts were closed, and I should not be held responsible for charges that are the result of improper handling by Regions Bank.
Product: Credit reporting or other personal consumer reports

Hello, I looked at my report on XX/XX/2024 and noticed some things are incomplete and not accurate. 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. 
Here follows the accounts that are inaccurate : XXXX. ) XXXX XXXX - Account XXXX : XXXX. 
XXXX. ) XXXX XXXX - Account XXXX : XXXX. 
These accounts are not complete and are inaccurate. 

Also, according to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

If you check my attachments everything is not complete and accurate.

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


Also, according to this law they are suppose to provide me a description of the investigation according to 15 USC 1681i ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 


Unfortunately they did not do that and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Brennan & Clark is attempting to collect a debt for a liability insurance policy that was never taken out. We currently have insurance with another company and only received a quote from XX/XX/XXXX. This was repeatedly squared away with the insurance company but the attorney continues to harass my business. XXXX XXXX is the agent that keeps calling and notifying my employees of an ongoing legal dispute that is very serious and needs to be taken care of. Most recently she contacted my husbands mothers home. I am not sure how she even got her contact information, the business is in my ( maiden ) name. I have made it clear that this is an illegitimate claim but they keep calling. The calling has been so obsessive I still think it may be some type of fraud. I'd like to have this ended.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cashapp ( Block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Specifically cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving me 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 
I am requesting that this credit reporting agency validate the information and provide me with a detail process of which was used to draw that conclusion. I have read that you the agency as XXXX days to furnish this report and if not reported within XXXX days this inaccurate information be removed from my credit profile.
Product: Debt collection

I am writing to dispute the following information supplied to XXXX and XXXX. 

This item from Rent Recovery Solutions with a balance of {$4400.00} is not mine. On XX/XX/2024 I spoke with a representative of Rent Recovery Solutions. The rep searched my name and number and I am nowhere in your system so she could not begin a dispute. 

I have disputed these actions with XXXX and XXXX. Per XXXX RENTRECOVERYSOLUTIONS does not have enough information to confirm this debt and each time I call RENTRECOVERYSOLUTIONS they can not find me in their system. 

The original creditor XXXX XXXX and XXXX is a company who has apartment complexes in XXXX- a place I have never lived and a company I have never applied for credit with. I will be sending mail to them as well. I am requesting this loan in collections be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX  party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

It's my understanding that FCRA 605B obligates us to expunge any incorrect accounts from my credit profile. Could you kindly examine the paperwork? Several of the mentioned accounts are inaccurate in terms of reporting, with discrepancies in amounts and dates.
Product: Mortgage

I have been trying to work with chase now for 9 months regarding our inability to pay. Weekly I call them, I do everything they ask. They refuse to answer my questions or call me back. I have an agent helping us and they wo n't help any of us. They have lost my file & let all my documents expire. I need to relocate and nobody there knows anything. I need them to help me and get back to us and answer our questions. After 9 months we 've exhausted our efforts, o do n't want to lose my house because they wo n't help us.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
ATTORNEY GENERALXXXX XXXX Balance {$49000.00} ATTORNEY GENERALXXXX XXXX Balance {$58000.00} XXXX XXXX XXXXXXXX Balance {$230.00} OAG CHILD SUPPORT XXXX XXXX Balance {$49000.00}
Product: Debt collection

Yesterday, I was called from a restricted number and was left a voicemail by " XXXX XXXX ''. I was told that they would come to my house and work and to have my ID ready as I was going to be served paperwork if I didn't hurry up and call back. Today, she called again, 7 times in a row, around XXXX XXXX  CST from the same restricted number and left a voicemail and case number and said that she would show up at my house and work between XXXX-XXXX  XXXX  tomorrow and that my ID should be ready. Today, I called and was told that this company was called " XXXX '', that they were not a debt company, could not take money from me even if they wanted to and when I asked for a validation of debt to be sent me to me, that they couldn't send me one because they " already did ''. I have never received one. Supposedly, the debt is from Cashnet Payday Loan company. I told them that no case has been filed with XXXX County, where I live. They man then called me stupid and said that it would be filed after I was served. I said it doesn't work that way, and that a case must be filed with the court. He said that I was stupid and didn't know anything. I think requested again for a validation of debt. He refused and threatened for my credit to be destroyed with this " debt. The phone number that I was told to call was " ( XXXX ) XXXX. The man that answered the phone wouldn't give me his name and didn't answer the phone with a company name. My case file was XXXX-XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In a prior on phone conversation on a recorded line a rep told me the account was to be removed by XX/XX/2019. it is still showing on my credit report. PLease fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. Please find the ATTACHED FTC REPORT # XXXX documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account which do not belong to me or were opened without my permission. 



According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX
Product: Mortgage

We sold our home on XXXX XX/XX/2023 and had an escrow balance of {$1000.00} after paying off the mortgage. The lender sent the refund to the house we sold! So the check got lost. 

We contacted Freedom mortgage and they said they sent a check to our new address. It did not arrive. We called and they said they had to wait 30 days. No reason given. When it still had not arrived they said they sent another one. Finally, on XXXX XXXX we called and they said since it still wasnt there ( over XXXX months later ) they would overnight it. We called today, XXXX XXXX to tell them it did not arrive and they said it would be here on XXXX days. We asked how an overnight letter can take XXXX days. No answer. 

They gave us a tracking number. When we looked at it, it showed the letter still has not even been sent. 

They are liars and criminals. Had we not paid our mortgage for XXXX months we would have a mound of late fees and penalties as well as probably be looking at foreclosure.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Comenity bank charged off my account and sold it to XXXX XXXX XXXX  sometime in XXXX. I paid this account in full to the collection agency XXXX  XX/XX/XXXX. XXXX deleted it from my report as agreed. 3 YEARS LATER Comenity bank is still reporting this charge off to all XXXX credit bureaus illegally and will not remove it. I just spoke with a supervisor named XXXX XX/XX/XXXX XXXX XXXX who confirmed the account was charged off and sold. It should not still be reporting as they SOLD it and I paid the collection agency. I was also told they refuse to send me any documentation stating that it was sold to a collection agency. Ive disputed this several times through the years and Comenity keeps responding that the info is accurate. I dont dispute the account status of charged off. However once they sold it to the collection agency, Comenity Bank shouldve have removed their reporting from my consumer reports.
Product: Credit reporting or other personal consumer reports

In the year XXXX  I went with good intentions to buy a car at XXXX XXXX in XXXX. I have been affected in my finances and my credit with the inability to obtain a home for my family since this problem has destroyed my life and my credit. The dealer did deceptive, unfair and deceitful acts when selling me this car with compressor problems. I am a family man and I live in XXXX where the heat is strong. This account is fraudulent. 
The account on my credit is XXXX XXXX XXXXXXXX : {$15000.00} Account XXXX XXXX