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

Months ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following accounts : 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

There is a bankruptcy showing in public records that does not belong to me
Product: Checking or savings account

I received a big lump sum of money into my bank of America account and I don't regularly check my account nor did I receive any notifications from my institution on irregular activity. So when my XXXX XXXX was hacked I was unaware but soon as i found out on XX/XX/2020 I immediately filed a dispute. AFTER waiting over a week for my dispute to finish I was told i waited to late to report the dispute. I also closed my XXXX XXXX and my card the day I found out about the fraud activity.
Product: Mortgage

Original loan through Achieve, a HELOC. The payment structure was for a 120 month, fully-amortized loan at 14.5 % with a payment of approximately XXXX a month. 

Current balance, XXXX year in, {$59000.00}. With 108 months left, the {$970.00} would pay off the loan by the maturity date. 

The new servicer, Shellpoint, is claiming that my loan is interest only ( even though every payment has been P & I ), and has raised my payment to {$1200.00} a month. Multiple attempts have been made to communicate with no results. I had one rep realize that the loan payment is incorrectly calculated, and they said someone would call me to discuss. There has been no callback. I worked in the mortgage business for several years in the past, including sales of mortgages to the secondary market. I have never seen a company mess up a transfer that changes the term of my loan. This needs to be addressed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently received a copy of my credit report..The report had an account listed from that are not mine. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified ... I have never had an account with these companies. Please delete immediately before further harm is done ... 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: 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 violates 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.
Product: Debt collection

Previously requested via phone for an itemized billing for the month of service being billed. 
XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from Penn Credit Corp XX/XX/20 - spoke with XXXX from XXXX XXXX XXXX XX/XX/20 - spoke with XXXX  from Penn Credit Corp Previously requested via mail on XX/XX/20
Product: Credit reporting or other personal consumer reports

In accordance with The Fair Credit Reporting ActThe List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account names and numbers 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 XXXXXXXX, have violated my rights. 

I looked at my TRANSUNION credit report on XX/XX/year> 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 according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) 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. 

and according to XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

The account  XXXX   XXXX   XXXX  is supposed to be closed with a {$0.00} balance per the investigation with   XXXX    XXXX
Product: Credit reporting or other personal consumer reports

I have inaccuracies in my credit file that is causing me so much stress. These are not verified or have been investigated by your company and it is affecting my credit scores.
Product: Credit reporting or other personal consumer reports

I am writing to correct the following information which is incorrect credit bureauhas on file : XXXX XXXX XXXX XXXX XXXX {$32.00} Paid in full. Closed XXXX  XXXX {$4900.00} is incorrect. The correct Balance is {$2000.00}. 
XXXX XXXX XXXX credit is {$0.00} Balance. 
Address : XXXX XXXX XXXX XXXX XXXX, AL XXXX is incorrect. This not my correct Address XXXX XXXX XXXX : {$35000.00}
Product: Credit card or prepaid card

On XX/XX/XXXX a vendor double-charged my Chase card for {$1500.00}. 

I told Chase of the problem by phone and they refused to correct the problem. They required me to fax in more information, which I did. 

In early XXXX they put a notice in my account statements section saying that the double-charge was rejected and I had to pay the invoice twice. 

Having exhausted myself in the effort to show Chase this was a simple double-charge by error or fraud, I ask for your help.
Product: Credit reporting or other personal consumer reports

I have several inquiries I did not authorize and would like them removed asap I also have a closed collections that is not mine and I do not have knowledge of I have attached copies from my report
Product: Mortgage

For a FHA loan, there were several things that shouldn't have passed so easily under the radar. 1. There was a leak next to the washer that had collected mildew. There was a bucket that was collecting the leaking water, and it smelled horribly. 2. There was a mildew on the wall from the leak, and I had to change it. 3.The HVAC was not working. It had to be clean, and it had a dead bird in it and needed freon. 4.Today, ( XX/XX/23 ) I discovered the fireplace not working, because the gas line is damaged and needs a replacement. 5.The bar sink stop up the motor machine don't work. XXXX. The attic had a lot of kind of garbage.
Product: Credit reporting, credit repair services, or other personal consumer reports

After submitting multiple disputes to the credit bureaus asking them to validate the details, they informed me that all the details have been verified. However, I am skeptical if a proper investigation was conducted in accordance with the FCRA 15 USC 1681, which requires all reported information to be 100 % accurate or deleted. I have highlighted the code as follows : ( 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 re investigation ; To support my claim, I have obtained my credit reports from all three bureaus and attached photos highlighting inconsistencies. These include incorrect last dates updated, unmatched balances, and inaccurate payment history. This is a clear violation of the law as all the reports show inaccurate information but are still listed on my report. Additionally, proof of dispute is in the comments of the photos attached. The XXXX XXXX XXXX account ( XXXX ) is the subject of these discrepancies.
Product: Student loan

I have been attempting to clarify what documentation is available should I choose to make a one-time payment to satisfy the requirements of the XXXX Maryland student loan debt relief tax credit. I have called FedLoan Servicing on multiple occasions but have not been able to reach a representative in a timely manner on any attempt. Additionally, I sent an email on XX/XX/XXXX ( wording attached ) to determine if proof of payment documentation would satisfy the requirement. I have not received any response. 

I am simply trying to confirm whether if I made a one-time payment if I would receive documentation that included all of the following : 1 ) the lending institution 's name pre-printed on the document, 2 ) the full name of the borrower pre-printed on the document, 3 ) the dates of the payments must be dated any time after XX/XX/XXXX to the present, and 4 ) the dollar amounts of the payments ( principal and/or interest ).

I am extremely concerned about my inability to reach anyone at FedLoan given they will be closing for good soon. There are still a lot of questions I feel need to be answered and would appreciate a response so that I have the information required to feel comfortable making a payment right now and that I am confident I will receive documentation that will allow me to clear my tax-related liability.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks 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: Debt collection

I have not supplied proof under the doctrine of estopper by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX XXXX Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Debt collection

To whom this may concern, I am writing this letter in order to dispute the collection account on my credit report. The collections from Aldous and Associates, originally from a debt by XXXX XXXX. 

I obtained a year membership with the fitness agency XXXXXXXX XXXX on XX/XX/XXXX and. However, I never agreed to extend my membership beyond this point. Moreover, Gyms were closed during the Covid 19 pandemic due to stay at home orders. XXXX XXXX  did not open again until the date of XX/XX/XXXX. Which is 2 months after my one year term. I never agreed to extend my membership beyond the one year mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX and reporting inaccurate information. they are also displaying the wrong fees and interest. The account does not reflect payment and they are violations of fcra and FDCPA
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX on XX/XX/2020 ( Reported Identity Theft ) 2. XXXX XXXX on XX/XX/2020 ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am distressed to inform you that you have included inaccurate information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure maximum possible accuracy in the credit reports you publish. Credit reporting laws require that bureaus report only 100 % accurate credit information. YOU ARE VIOLATING FCRA REGULATIONS AND UNITED STATES FEDERAL LAW.

Please block and remove all erroneous information from my credit report and send me an updated copy.

Under the Fair Credit Reporting Act ( FCRA ), this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n - Civil Liability for Willful Noncompliance, 15 U.S. Code 1681o - Civil Liability for Negligent Noncompliance, and 15 U.S. Code 1692k - Civil Liability : I am entitled to monetary compensation due to your multiple violations. Specifically, under FCRA 15 U.S.C. 1681i ( 6 ) ( Notice of Results of Reinvestigation ), a consumer reporting agency must provide written notice to a consumer of the results of a reinvestigation within 5 business days of completion. Failure to do so constitutes a violation of my rights.

Additionally, as per FCRA, a " consumer report '' excludes any report solely detailing transactions or interactions between the consumer and the reporting entity. Including late payments or derogatory statuses constitutes an infringement of 15 U.S.C. 1681a ( d ) ( 1 ).

Accounts listed below in green color highlighted and tag as in violation under 15 U.S. Code 1666 ( b ) billing error are inaccurate late payment history, must be updated to paid on time as never been late as agreed. 

( 4 ) The creditors failure to properly reflect a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error in the creditors accounting on a statement.

This is a clear violation of the United States Code Law ( TILA, 15 U.S. Code 1666 ( b ) ). These accounts must be updated to reflect " paid on time. '' Any continuation of providing negative information required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) And Accounts listed below in yellow color highlight text accounts in status of Charge off that is tag FDCPA Section 807 Violation Misleading False Reporting together with incorrect personal information Must be deleted Immediately!. 

Collection Accounts listed below in yelow color highlighted that is tag as in violation Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft Instruction : As a consumer by law this account must be deleted immediately!

Items listed below that is tag as Unauthorize inquiries that's Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. Must be deleted in my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX. XXXX XXXX XXXX, TX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX This letter is a formal request to correct any and all inaccurate information contained on my Credit Reports. The item ( s ) listed below are as follow : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE REMOVED ALL THOSE FRAUD INQUIRE XXXX XXXX Inquiry : XXXX. XXXX, XXXX - XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item.

Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.

Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.

Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission. I have also enclosed a copy my POLICE REPORT Please let me know if you need any other information from me that may aid you in resolving this matter promptly.
Product: Mortgage

you have gotten many many complaints from me but much remains unresolved. I am now getting postcards and letters from lawyer on foreclosure defense. yes i have no loss mititgation packet i asked for many times and i am getitng letters saying you have all my papers. there is no way you do. i am still doing it. 
and dont have XX/XX/2015 taxes done yet. i am about to send XX/XX/XXXX payment and need to work out repayment. I have written to XXXX XXXX. I want to know why i am getting these postcards and it has to stop. why am i hearing from lawyers? has foreclosure been filed? i want someone to call me after XXXX eastern XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 i sent dispute letters to all 3 credit bureaus disclosing wrong inaccurate information on my credit report. It has been more than 30 days and the companies have yet to respond to me or correct the incorrect data on my credit report.
Product: Credit reporting or other personal consumer reports

I have submitted a formal report via email to clarify the misinformation provided by the credit bureau. This dispute concerns an error on my credit card statement. Although I have requested an investigation, the issue has been overlooked by the company. I request your prompt review of this matter and ask that you provide a confirmation receipt as proof of acknowledgment.
Product: Checking or savings account

Hello, I have a concern that maybe you or your office can help me understand, bring to light and also wanted to be sure you are aware of what is happening in my state of Illinois. Thursday evening, XX/XX/XXXX, I learned that a good friend of mines received a check in the mail from his bank. He learned that his bank account had been closed and to continue using the banks services, he would need to come into a branch to reopen a new account. You can understand how this can be very inconvenient when we are steered towards having direct deposits from income and auto-payment for our bills and liabilities. The very next day, Friday, XX/XX/XXXX, I received a letter from my bank, Chase, that my bank account that I've had for at least one decade would be closed except I come into a branch within ten days with certain documents. My friends bank is XXXX  XXXX XXXX and my bank is Chase with the same policy. Who else out there has this happened to that we are unaware of? and What is this new practice? Why are banks now closing out peoples accounts or threatening to close accounts except contact is made within ten days or less? These letters are sent in the standard mail and we know the problems XXXX is currently having with timely delivery. Why when all other communication is sent paperless by email or push notification a crucial communication is sent by snail mail? 

Are you aware of this recent practice? and Why is it happening? Why are our bank accounts being closed? 

I thank you for your response.
Product: Credit reporting or other personal consumer reports

Please remove the following account on my report related to identity theft. I have filed my identity theft properly and transition has helped me in removing all fraudulent accounts on my report be removed along with the following inquiries. FRAUDULENT Equifax 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: Checking or savings account

On XX/XX/14 XXXX credit karma froze my account for my protection. I submitted all my documents they asked to verify my identity. Its been 2 weeks and they still haven't resolved this issue. They only communicate through email and havent said anything but request for my info .i been struggling to survive with my XXXX  as all our money is frozen.i been trying desperately to fix this immediately. But credit karma have not been replying to my emails .its very difficult to get any information regarding my issue and its unfair and unprofessional. Me and my XXXX  are struggling to survive without access to my account. So i begging you to pls help me unlock my credit karma spending account immediately pls. I cant go another week. Its inhumane. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT IN THE EVENING AND WAS SO DISAPPOINTED BECAUSE THIS HAS NEVER HAPPENED TO ME BEFORE. THERE ARE INACCURATE ACCOUNTS ON MY CREDIT REPORT. I DON'T HAVE ANY IDEA WHY THIS HAPPENING TO ME AND MY CREDIT REPORT SO PLEASE CHECK THE DOCUMENTS I'VE SENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an investigation conducted by CFPB in early XX/XX/XXXX on my student loans at which time XXXX updated my accounts with a status of accounts renewed or refinanced, but today when I checked my accounts were reflected as failure to pay with the following payment status : Paid, was a collection account, insurance claim or government claim or was terminated for default. This is untrue. The accounts were never in collections ... actually consolidated and I've been making payments on them since XX/XX/XXXX. I have attached documentation from both XXXX and the Servicing Company which is currently handling my Federal Student Loans. I'm working steadfast on correcting my credit and this recent ding is causing havoc on my credit report. Please assist in getting this corrected.