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

According to www.equifaxsecurity2017.com, Equifax compromised my private information during the " hacking incident '' as of XXXX. They waited until XXXX to make the public aware. According to XXXX, Equifax 's Chief Officer of Security obtained her degrees in XXXX XXXX. I believe this was negligence on the part of Equifax to treat network security so haphazardly, given the amount of information on the amount of people they currently have the information of. More than one hundred million Americans are impacted by this incident. Equifax can not directly be reached by phone or email at this time. 

This incident will impact the rest of my life, and possibly even beyond that, as the information that has been misused includes my birth date, full legal name, SSN, all applicable prior addresses and legal relationships. It will cost me thousands of dollars to keep my compromised information from being used against me over the coarse of my life time, including fees for freezing and unfreezing my credit, expenses for credit security, and so forth. 

I never consented to doing business with Equifax, but it is known that they have information of everyone who has ever had any kind of loan, debt, bank account, etc.
Product: Credit reporting or other personal consumer reports

As this account is under pending litigation, it does not reflect the accurate and final disposition of the matter. There is no justification for it to remain on my credit report, especially given the legal proceedings that are currently underway. I have taken every step necessary to ensure that my credit report reflects only accurate, verifiable, and up-to-date information. This account, in its current state, clearly violates that standard.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally sent letters to all 3 credit bureaus regarding inaccurate information I found on my report on XX/XX/21. Referencing an alledged account with credit acceptance and inquiries that were also unauthorized. The letters were all sent certified mail and verified as recieved. 3 weeks later I recieved letters from each bureau. XXXX notified that they have corrected the issue by deleting the referenced credit acceptance account from my account but have yet to remove inquiries. XXXX and XXXX have both claimed to have verified the information with the creditor as accurate. I have sent letters to both bureaus on XX/XX/21 requesting the method in which they verified those accounts and I am still waiting on response. Credit acceptance has not responded at all. 

I have attached a screenshot of this account on my report where you can clearly see this account has been RE-AGED by the creditor which is a clear violation of law. Obviously the processes and procedures of XXXX XXXX and Credit acceptance are all flawed and are not setup in a way to be accurate and fair to its consumers.
Product: Mortgage

Bank of America Home Loans Division in XXXX XXXX, Texas along with their underwriting department in XXXX Texas, declined my mortgage loan application, one day prior to a scheduled closing for our new home at XXXX XXXX, XXXX XXXX, Texas XXXX. I have significant evidence that the denial, which the bank claimed was due to not meeting the required Debt-to-Income ratio, was based on false grounds due to a gross error made by BOA 's lead underwriter in interpreting my 2016 year-to-date self-employment/company Profit and Loss statement. The application review also contained numerous other unwarranted delays as well as sloppy clerical practices and bank errors and omissions that were unprofessionally handled. Ultimately, the rejection of the loan application may have potentially may have violated the bank 's own lending policies and I am seeking Federal assistance to look into this matter in detail. I am also seeking a financial settlement for economic damages related to having to renegotiate a new loan application which delayed my move in date for four weeks.
Product: Debt collection

I have two checking and savings accounts with XXXX XXXX. One is a personal account and the other is a joint account with my son who was XXXX years old when we opened the account together. I generally do most of my banking online. On XX/XX/2021 when I was checking my account online, I noticed that {$4000.00} was taking from our joint account. I was shocked. This never happened before. I waited for my son to come home to find out what happened. He said he doesn't know anything about it.. The next day when the bank was open we went to the bank and told them what has happened. They started their investigation and the bank transferred remaining money from the joint account to my personal account. The next day when I was checking my account I noticed this time ( 3 ) {$2900.00} and ( 1 ) {$290.00} was taken from my personal account. We immediately went back to the bank and told them what happened. This time they closed both accounts and opened two new accounts. One in my name and the other in my son 's name. The bank did their investigations and came to the conclusion that this was a fraud case and deposited the money back to our new accounts. The new accounts were opened on XX/XX/2021. 
When we received the first notice of collection from TRS Recovery Services, we reported to the local police department and the bank. The police opened a Bank Account Fraud Case for investigation. 

I responded to TRS 's first notice via a registered mail on XX/XX/2021 indicating that this is a Fraud case and there is a police case on it, but they are still sending us second notices threatening to destroy my credit and lock my future borrowing and financial activities. 

Please help me by asking TRS Recovery Services to stop sending me threatening letters and trying to destroy my reputation.
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 ). Specially, Cash App failed to take timely and effective measures to prevent and address fraud on their platform., leaving my account vulnerable and unprotected. Futhermore, 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

The account XXXX  XXXX was never past due, i never made a late payment to this company ever please change this, i have a good relationship with this company.. I sent a letter to the credit bureaus but they refused to reverse the late payment nor did they give me a reason why they wont do it..Not only that, they never gave me any proof of investigation that they have verified the account as accurate..CFPB please hear me out and correct the late payments
Product: Mortgage

Loancare 's website has been down, and phone calls have been unanswered. Without those available, I am not able to make my monthly payment on my mortgage. I have also received zero communication on why these services are down.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2019, XXXX XXXX XXXX and on XX/XX/2019, CITIBANK NA., BEST BUY add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Mortgage

I recently received a full payment history and realized the following:1 ) When I modified my mortgage ( HAMP ) XX/XX/XXXX, Wells Fargo XXXX {$15000.00} to the principal without explanation. 
2 ) I was charged third party fees for my HAMP modification. XXXX for {$120.00} and XXXX {$50.00} fees. My understanding is that is not legal. 
3 ) Any monies I paid in excess of my mortgage payment were not applied to my principal balance. 
4 ) {$1000.00} incentive payments are applied in XX/XX/XXXX instead of their anniversary dates in XX/XX/XXXX. 
5 ) I should have received a {$5000.00} HAMP incentive payment on my 6th year anniversary on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$1100.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$2300.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$7200.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$3600.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$4200.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$5800.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$5800.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$1400.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$2400.00} Company name : DEPT OF EDUCATION/XXXX  - Account # : XXXX - {$8900.00} Company name : XXXX XXXX XXXX XXXX - Account # : XXXX - {$0.00}
Product: Credit reporting or other personal consumer reports

My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following item listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following account as it is fraudulent & was opened without my consent or knowledge XXXX  XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}. 

If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an XXXX  XXXX REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

PHH calls me, and when I answer the telephone, they hang up the phone. Or Ill answer and repeatedly say hello, then theyll hang up. 

Yet they have hour ( s ) long hold times when you call them for assistance. They refer you to reps who dont answer and their voicemail is full. 

PHH is only interested in charging fees and foreclosing. Theyre not interested in communicating or helping their customers.
Product: Credit reporting or other personal consumer reports

The pictures/screenshots show that I was denied but I was never sent a valid/legal document showing my debt transfers from XXXX to Portfolio Recovery Solutions. A proper investigation was not done. 


Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law. 

I hereby request that XXXX : 1. Conduct a thorough reinvestigation of the following disputed accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is inaccurate, as mandated by law. 

Given the recent CFPB findings, I expect XXXX to handle this dispute with the utmost seriousness and compliance with legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate your investigation.
Product: Credit card or prepaid card

I paid my Victoria Secret account off in XXXX of 2022. I am trying to buy a home. I was told the account was closed. Was suppose to be sent a letter stating it was closed. I received call last week telling me i had a {$64.00} balance. I was then told it was because they reopened my account because they had to charge a {$2.00} interest fee. AFTER I PAID THE ACCOUNT IN FULL AND IT WAS SUPPOSEDLY CLOSED. I since XXXX, i have had multiple late fees reported to my credit. My score is significantly lower now than it was when i closed the account, all because of this card. I have paid off almost every single penny of debt I have. Except for student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action. 

I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.

I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 1. 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Debt collection

Subject : Debt Validation Request I am writing to formally request validation of the debt you claim I owe, in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I do not acknowledge this debt, and before I take any further action, I require the following information : 1. **Proof that you have the legal right to collect this debt** ( either the original signed contract or other valid documentation ).

2. **Details of the original creditor** ( including the name and address of the original creditor and the account number with the original creditor ).

3. **A detailed explanation of how the amount you claim is owed was calculated**, including fees, interest, or any other charges added to the principal.

4. **Documentation that shows the debt is within the statute of limitations** for collection in my state.

5. **Proof that I owe the debt** to your organization or that you have been assigned the right to collect this debt.

6. **A copy of the purchase agreement or assignment agreement** that transfers the debt from the original creditor to your agency, demonstrating that you are legally authorized to collect on this debt.

Please treat this letter as a dispute of the debt, and cease all collection activities, including reporting this debt to any credit bureaus, until proper validation is provided.

I expect to receive these documents within 30 days of receipt of this letter. Should you fail to provide this information, I will consider the debt invalid and will expect you to cease all collection activities and remove any information related to this debt from my credit reports.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Looking over my report and noticed a medical debt that was paid but is still reporting on my credit report., I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to PROFESSIONAL CR ANALYSTS XXXX XXXX XXXX XXXX # XXXX, to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to is to only be revealed with the patient 's authorization, therefore my request is twofold and as follows, Validation of Debt, and HIPPA authorization. 1.Please provide a breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account credit card I have requested for all late payments to be remove since XXXX of XXXX. 
i was XXXX due to covid on the XXXX and wasnt able to work, I have over 7 late payments reporting since XXXX of XXXX. I have file disputes sent in docs and still have been denied. I am requesting for this information to be removed off my credit files. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payment XXXX $ monthly