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

Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to formally request your assistance regarding inaccuracies on my credit report that have not been resolved by the credit bureaus.

Upon reviewing my credit report, I discovered that it contains negative items that are either wrong or inaccurately reported. Despite my efforts to address these discrepancies directly with the credit bureaus, they remain unresolved, significantly damaging my credit score. This situation has hindered my ability to pursue essential services and make necessary purchases, impacting my financial well-being.

I kindly ask for your intervention to review these negative items on my credit report. It is crucial for my credit history to accurately reflect my financial activities, allowing me the opportunity to move forward with my plans.

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these inaccuracies.
Product: Credit reporting or other personal consumer reports

I have contacted each credit bureau repeatedly the past year ( Experian, XXXX, and XXXX ) regarding a name associated with my information that needs to be removed, as well as an address in Wisconsin. 

This name and address has not been separated from my own file, and I am still being harassed over an owed amount this individual is responsible for. I want any information associated to be be removed from mine, as I have already spent an unacceptable amount of time refuting a collection claim, just to have it return again this month.
Product: Credit card or prepaid card

Updated id theft report. Didnt have any details when I filled out the first one. Here is the information you requested from me.
Product: Vehicle loan or lease

Ally admits to the forgery as XXXX says, I went in to the dealership and signed these papers on the XXXX of XXXX with electronic signatures. 
XXXX admits that ally forged my signature because I was not involved with any transactions on XX/XX/XXXX at the dealership.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 
Creditor Information XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Balance {$120.00} Highest Balance {$120.00} Opened XX/XX/2020 ( 2 yrs, 1 mo ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Medical Original Creditor Name XXXX XXXX XXXX Closed No Info
Product: Credit card

I opened a credit building account with self credit card. After six months I was offered an credit card for XXXX after several payments on the building account and charged so many fee on my own money I decided to close the account. I was refunded a XXXX out of XXXX and was told I need to pay XXXX credit card. On the credit I put a XXXX of my money and they took XXXX XXXX of their money, total a XXXX credit card. I payed the card balance off and the company refuses to close the card. The self program want me to start a new account, I do not feel this card was being fair. After several attempts and several months they gave me a fee for XXXX. I have been trying to pay it off. It is up to XXXX in late fee. This card has reported to all three credit bureau to mess up my credit. They will not allow me to pay the balance. They want me to open a new account. They want me to.use my personal account information to pay off this balance. I tried to pay the balance off with prepaid card, it want allow. This is card is causing great harm to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes.
Product: Checking or savings account

I have not been credited my direct deposit from a XXXX XXXX XXXX XXXX XXXX. I do not have my pay check. 

I file this complaint formally to assert that I must be made whole for the damages caused by this disruption of services.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted this company USA FUNDS to try to take care of my student loans which I decided within their timeframe that I did not want to do buisness with them so they sent me email of my cancellation but they still withdrew funds from my checking account which took months to get back & I have recently noticed they reported this on my credit which is uncalled for especially when I canceled before their timeframe was up.I decided to go thru a much better company
Product: Credit reporting or other personal consumer reports

My rights have been violated. I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b.They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per15 USC 1681c-2 these need to be removed in XXXX  days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Debt collection

I have been covered under XXXX XXXX since 2019. I should have never been charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX : {$1000.00}, XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$3400.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$4100.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$340.00}, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

Recently I was locked out of my online account which is how I pay my bill. I contacted Capital one on XX/XX/XXXX on or about also contacted on XX/XX/XXXX and XX/XX/XXXX. I contacted Capital because I was unable to access my online account. I was told by the rep that I needed to submit proof of my identity along with a letter with my ss, account number. I complied with their request both times. The third time I contacted them to inquire why the online was not fixed so that I could view and pay my bill. The rep said that they needed me to send another letter this time with all the accounts listed that I had with them in the past need I say the accounts they are requesting were dismissed in bankruptcy and should not be associated in any way with my new account that they approved. On XX/XX/XXXX I had to call in and make a payment as I try to pay ahead of time, I spoke to 2 reps who say they were unable to process my payment. I then speak to a supervisor XXXX senior account supervisor. XXXX states now all of a sudden they have technical issues. This has turned into nothing but a nightmare. I do not want my payment late and credit report be affected by this issue in which I am still unclear of.
Product: Debt collection

I sent a collection company attempting to collect on an alleged debt a cease and desist letter because they appeared to be an illegitimate company that was not legally and lawfully authorized in my city, in my county, and my state to engage in debt collection. They did prove or  validate to me that they were authorized and licensed to engage in sending me communication regarding alleged debts, nor did they prove or validate the alleged debt to me. I sent them a letter demanding that they cease and desist communication with me on XX/XX/2020, via certified mail usps receipt. On XX/XX/2020 they mailed me 3 letters. 2 of them were essentially formulaic legal statements stating that  they were not going to adhere and follow my cease and desist letter, and the 3rd letter was a letter about demanding payment for an alleged debt. They violated my cease and desist letter.
Product: Credit reporting or other personal consumer reports

XXXX getting alerts telling me my score dropped. When I go look at my reports my balance is all wrong
Product: Credit reporting or other personal consumer reports

Date of birthdate and address on XXXX credit report is incorrect
Product: Credit reporting or other personal consumer reports

While i was in XXXX  i was in the XXXX XXXX. now i am a XXXX XXXX. i told the dept of ed to get ahold of the XXXX XXXX and the XXXX ( 10 years ago ) and they would pay them. instead they have been hitting my credit for the last 10 years consecutively and still are, even though the loans are from XXXX im doing their leg work now to get them paid by the XXXX XXXX and XXXX  XXXX but if i understand correctly, they shouldnt have been reporting on my credit for the last 3 years.
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 distribute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I went to cash a check at XXXX on XX/XX/XXXX. Certegy advised that I cashed a check from XXXX XXXX on XX/XX/XXXX for the amount of {$660.00} and owed this money. I told them they must be mistaken and it's not me. I have no knowledge of this company. I have no knowledge of this check and to send me a copy of this they advise that they do not have a copy of the check but yet they are holding me responsible for {$660.00}. I have never gotten a call from Certegy nor a bill. Nor have I ever gotten a bill from the so called company XXXX XXXX. I do not know where they are or who they are and to please send me all documents they have on this transaction. I told them I am disputing this information you have on file and send me all information you are claiming that is causing a problem for me to cash check I am disputing any and all negative information in their system. reference number XXXX at XXXX for the amount of {$570.00} when they refused ti casg my check due to this.
Product: Credit reporting or other personal consumer reports

When I checked my credit report, I found that some of the information was inaccurate. The 3credit bureaus are obligated to confirm these itemsunder Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to disregard these reporting itemsas unconfirmed information without providing evidence within the legally required amount of time. The following incorrect data in my credit report needs to be investigated into and corrected : XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXX XXXX XXXX XXXX Balance : {$XXXX} XXXXXXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXXXXXX Balance : {$XXXX} XXXX XXXX XXXX Balance : {$XXXX} XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

XXXX XXXX was transferred to Elan Financial as the new servicer in 2019 at that time I wasn't able to make anymore payments because I never received the new card to be able to login to their portal. I called XXXX to make payments they told me to contact Elan Financial and when I would Elan would tell me they don't have my account yet and unable to make payment. I also had Reward points which amounted to over {$340.00} and was suppose to be applied to my account balance at the time which was roughly {$830.00}. Now Elan Financial has the account ending XXXX as a charge off with balance due of {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

My husband and I have both been banking with Wells Fargo for years ; I started a WF online account a couple of years ago. 

Through the years we would occasionally get offers for WF credit cards, which we would automatically dispose of. I recently contacted WF online and requested that I receive no further credit offers from them. They were happy to oblige, and confirmed that they had opted me out. I asked them a couple of days later if that opt-out request would automatically include my husband, as well. They said no, he would have to call or write to them in order for him to opt-out. 

On XX/XX/XXXX, my husband wrote to the address they provided ; about a week later, his opt-out request was returned to us, marked 'box closed, not deliverable as addressed -- unable to forward ' ... ..we are both furious, as this is obviously a false address we were given, not to mention that my husband had enclosed his social security # and account # along with the request. Thank God this envelope did not fall into the wrong hands!!!!!!
Product: Credit reporting

ERRONEOUS INFORMATION ON MY CREDIT REPORT, SCORING INNACURATE INFORMATION, EQUIFAX HAS N'T UPDATED STAUS CURRENT OF MY CREDIT TRADE LINES ALL IN GOOD STATUS.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with the fair credit reporting Act XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions. 

- In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions - In accordance with the fair credit reporting Act XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions - In accordance with the fair credit reporting Act XXXX XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions - In accordance with the fair credit reporting Act XXXX XXXX I, XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions - In accordance with the fair credit reporting Act XXXX  XXXX XXXX Balance Owed : {$0.00} has violated my rights 15 u.s.c.1681 section 602 A States I have the rights 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 instructions
Product: Credit reporting 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. 

List of Unauthorized Inquiries : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 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 instructions 15 U.S.C 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 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: Mortgage

We entered into a forbearance program in XXXX of XXXX ( it is now XX/XX/XXXX ) due to diminished income due to COVID-19. We have stayed in CONSTANT contact with Freedom Mortgage. We started telling them we were ready to come out of Forbearance in XXXX of XXXX and exploring which option was best for our situation and we chose to do a Loan Modification. Since XXXX we have had 3 Loan Modification approvals issued and still zero modification paperwork from them. We call multiple times a month and but usually multiple times a week to check the status of the Modification documents. Each and every time we are told a difference version of why we still haven't received them months and months later. We have made a few payments during this process as well because every time we call it's different ; one person will tell us we have to make a payment on xxx date because per the current modification approval it states when the payment is due. So, we make that payment and still hear nothing back from them. We have even had multiple customer service representatives refuse to take payments because it would " mess up the modification approval calculations '' So, we call again and are given yet another date as the first payment date on yet another modification approval. This has hurt our credit terribly because the credit bureaus see the mortgage balance going up every month ( Freedom is reporting the balance every month but " no information '' in the payment history ). This has taken our FICO scores from the 750 's to the low 500 's. We were guaranteed over and over and over again in XXXX of XXXX that choosing the Forbearance option during the pandemic would in no way at all hurt our credit. It definitely has. Like I have stated we have done everything in our power to get back on track and make payments they are on their end aren't doing what they promised. This COVID-19 Relief plan has done nothing but hurt us instead of help us as it was supposed to be designed to do. We desperately need help getting this resolved. We have done everything possible on our part.
Product: Mortgage

I have not received an accurate mortgage amount from my new loan servicer, Gregory Funding. 
My n2 previous servicer have never adjusted my payment from my post XXXX XXXX discharged bankruptcy. 
XXXX, my previous servicer never adjusted my 24 month escrow shortage after we satisfied their agreement to make up their admitted miscalculations of my escrow payment during my 5 year, 60 payments to satisfy my XXXX XXXX terms. The servicer then changed to XXXX XXXX and they did not adjust my payment that should reflect my XXXXXXXX XXXXXXXX and the subsequent 24 additional monthly payments to satisfy the 5 year escrow shortage on behalf of XXXX 's mishandling of my escrow account. 
it has been over 7 years of exorbitant payments which i have worked 7 days a week to keep up with. 
i recently have satisfied a 3 month trial that was originally with XXXX XXXX, that Gregory funding honored. 
I am asking that my mortgage and interest rate, which has never been refinanced, and no equity loans or adjusted interest rate since the start of the mortgage in 2006. 
i have sent Gregory Funding an extensive e-mail with 21 attachments of legal agreements and additional previous relevant mortgage information. 
looking for some relief after 7 years, paying my original mortgage payment amount.