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

XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX. You stated the accounts above were investigated and came back 100 % verified. What was the investigation process that was used to verify these accounts were both 100 % accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm disputing the accounts listed within this complaint on the mere fact that these accounts do not belong to, identity has been compromised years ago and I'm still effected by it. I'm demanding that the credit reporting agencies look into this matter beyond electronic verification before reporting these fraudulent accounts on my credit files Accounts that shall be blocked. 

1 ) XXXX XXXX XXXX  {$3600.00} 2 ) XXXX XXXX XXXX {$240.00} 3 ) XXXX  XXXX XXXX   XXXX 4 ) XXXX XXXX 5 ) XXXX/ XXXX XXXX 6 ) XXXX XXXX  7 ) XXXX  XXXX
Product: Credit reporting or other personal consumer reports

For the past 3 weeks as of XX/XX/XXXX Experian Will Not update My ADDRESS I have sent in supporting documentation like My birth certificate & My 1099 Taxes verifying My address. I have had to put a FRAUD ALERT ON MY EXPERIAN Credit Report in turn Now XXXX XXXX XXXX Now has a Fraud Alert on them because of EXPERIAN. This has caused a Serious Financial Distress dealing with EXPERIAN over this ISSUE.
Product: Debt collection

I had tried multiple times through email to cancel a membership they took our {$160.00} out of my account so I called customer service and tried to get the money back they weren't able to but they canceled the membership from being charged further I just owed for a month more which I haven't paid yet. I am in the emailed the gym to try to get this issue resolved but they are trying to charge me XXXX XXXX in a one month membership because I don't have the proof from my phone call made months ago. Now my account is in collections.
Product: Debt collection

On XX/XX/year> DRS ( Debt Recovery Soulutions ) reported old debt charged off as NEW debt to all three of the credit bureaus. I know this is a violation of the FDCPA and need it removed from all three reports. 

Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified several unfamiliar items on my credit report that I did not authorize. It appears my identity may have been stolen. I previously raised this issue, and I am now requesting the immediate removal of these unauthorized accounts. Their presence is causing me considerable distress and does not accurately reflect my credit history or financial management. Addressing this problem has been challenging. If this issue is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are significantly affecting my ability to achieve key financial goals, such as purchasing a home and supporting my family. I hope we can resolve this matter quickly.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$40000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX . These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX kept emailing and stating on their site that I had good credit, but that I could improve my score by opening another line of credit. They also suggested that I had good odds for a card with US Bank to transfer my current XXXX balance and have 0 intrest for 1 year to pay down this debt. So I applied and instead of the {$3000.00} transfer amount with statement of closing XXXX credit line, I was given a {$600.00} line of credit. I called US Bank card, I explained what I wanted and why and was told that because of my SSD income, my mortgage, the XXXX account, my discharged bankruptcy from XX/XX/2013, and my credit scores, that is all that they could do for me. I asked if I could close the account and was told it would give a negative reflection on my credit report, so I asked what if I don't use it and told that was less negative because it would show as closed due to lack of use. I was advised to use it and pay it off within 1-2 billing cycles for it to have a positive impact on my credit rating. So both I have issues with both companies providing false advertisement and enticement for improving credit and providing the dollar amount 0 % intrest rate on balance transfers. 
This occurred between XXXX XXXX XXXX
Product: Debt collection

First I get email saying I owe XXXX a debt. Then they call a friend 's phone and they blocked the number. Do not believe they are supposed to call friends or relatives. They are harassing me for a debt I believe was paid XXXX years ago by my bank. Leaving over {$800.00} in negative balance, with overdraft fees.
Product: Debt collection

Have requested debt validation, original agreement information or any proof of legitimacy from this open accounts from company after discovering them on my credit report as derogatory. No proof supplied.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app ( Block , Inc . ) due to inaccurate customer service and unfair practice, which violates the consumer financial protection act ( CFPA ). Pacifically, Take timely and effective measures to prevent an 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 arrow resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial laws, 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  Account # 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 instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

The original creditor submitted claim under incorrect insurance member ID. They had 6 months to resubmit under correct member ID but instead sent to SCA Collections to try to collect this debt. XXXX XXXX waited until more than 1 year after date of service ( XX/XX/2021 ) to resubmit claim to XXXX XXXX for payment under correct Member ID. I have attached documents from XXXX XXXXXXXX XXXX my XXXX insurance ) showing the amount of this debt that I am responsible for is XXXX! PLEASE seize all attempts to collect this debt and delete from my credit report IMMEDIATELY!
Product: Mortgage

Prior Reference : XXXX In XX/XX/2023, I planned to pay-off my mortgage after my HAMP was applied. SPServicing has a website that does not actually allow contact or interaction. I sent emails and eventually I was told to request the pay-off letter on XX/XX/2023. A document was posted XX/XX/2023. I used my bill-pay system to send {$2000.00} for closeout. I realized they must have all funds and I EZ paid the last {$300.00} for a total of {$2300.00}. I called because I require the letter stating I have satisfied the account. I even sent a request to the Ombudsmen. 

On XX/XX/2023, I called because I required the notice to move forward on an action. I was told that since I did not send certified funds, the funds were posted regularly. The representative stated that they will send a request and it will take 72 hours. I took three business days. This placed a delay on my actions.

I called this morning, now the representative states it will be ten days and my mortgage is not considered paid. I said I knew where to contact and hung up. 

This company will have consumers on automated called for payments even when they are not late. Now, that the mortgage is closing, SPServicing want to delay the process. I understand there are steps, but they have verified funds and could acknowledge the completion of payments. 

The Ombudsmen never responded and I fear they will not attempt to make the correction. I was specific that I needed just the completion letter.
Product: Credit reporting or other personal consumer reports

According to 15 USC 1681a ( d ) consumer report, ( 2 ) exclusions. the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and person making the report. Further, it explains more in detail on the US Code provided, also stated in my original report about exeter finance. They provided me with a contract between XXXX and myself, not with exeter finance and myself. once again 15 USC 1681 Section 602 A, section 604A Section 2.
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. 

Account Name : XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX XXXX  Account NumberXXXX Account Name XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Debt collection

Company comenity originally had debt, debt was paid and account is stating charge off was paid and stating in credit report written off {$620.00} this is inaccurate information and I contacted company they informed me to reach out to banter and banter informed me they would remove inaccurate information they failed to remove this and this account has been paid off and satisfied.
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 Bankruptcy XXXX  XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX is reporting on my credit report charged off and written off which means its no longer a debt. Income is not supposed to be reported on Credit Report. I am requesting the 1099c filed which the IRS authorized this charge off and your comments of written off tax credit. Because I take tax fraud seriously.
Product: Credit reporting or other personal consumer reports

I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) due to willful negligence and non compliance of the credit bureaus and data furnishers in properly investigation my disputes, as required under 15 U.S.C. 1681 and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore, the data furnishers have neglected their legal obligation to investigate the disputed information when notified by the credit bureaus. This failure to uphold their responsibilities under the FCRA constitutes a violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed hard inquiries that do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

I made a purchase with my Cash App card. It was a fake XXXX website. After making the purchase I noticed it didnt show in my account as a XXXX transaction, it was a foreign name. I immediately started calling Cash App and went on the app and filed a dispute/fraud case. I completed this process and was denied 3 times. They kept saying that I received goods as described, but I never got tracking/shipping info or the product.
Product: Credit reporting or other personal consumer reports

I have received your computer-generated notice informing me that you did not do any action or investigation for the disputes I sent out last time because you think I may have used a third-party credit repair company. Not only do I think this is just your delaying tactics to get an extra 30 days to fulfill my first request, but I also think it's a clear violation of the Fair Credit Reporting Act. Again, please be informed that you are reporting inaccurate and incomplete information on my credit report.
Product: Credit card or prepaid card

There is an account for Comenity Bank/Express showing up on my credit report. I have no knowledge of this account, and never opened a charge card. My personal information has been breached multiple times, and my credit has suffered. 

Account # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX  XXXX XXXX XXXX is reporting that the account was charged-off in my credit report. I don't even know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX and XXXX have removed this account from my credit reports but, Equifax continues to report this erroneous account. Please remove it from my credit report! The next issue is a XXXX XXXX XXXX # XXXX .... this account is also reporting as charged-off. Again, I don't know what this account is!!!! I have requested that the original credit furnisher provide a copy of the credit card application proving my liability in this debt and copies of statements showing that this debt is legitimate but they have not sent me anything. I have disputed this account with all 3 bureaus and XXXX has removed the account but, Equifax and XXXX continue to report the information, please have them delete the account from my credit reports. Moving on, there is a XXXX XXXX Delaware account in my credit report ( account # XXXX .... ) which is reporting as included in Bankruptcy. The bankruptcy was filed in XX/XX/2015 and according to the FCRA, accounts included in Bankruptcy can only report for up to 7 years... It is now over 7 years and I am officially requesting the removal of this account from my credit reports. Finally, the Bankruptcy public record for the Chapter XXXX Bankruptcy filed in XX/XX/2015 should also be removed from my credit reports because the account is now over 7 years old ( filed in XX/XX/2015 ). Please remove all of these accounts from my credit reports.
Product: Checking or savings account

I rented a car with XXXX car rental and they gave me a final invoice of {$1500.00} which was total charges I paid in full on XX/XX/year>. As per XXXX receipt I owe nothing this was given to WellsFargo. 

After that XXXX charged me an extra {$410.00} for no reason. XXXX has never provided me a receipt, bill, or any explanation in writing or mail or email. XXXX never returned my calls. I was never sent a bill from XXXX for {$410.00} I was never shown what they gave WellsFargo. When I went to meet with the Wells Fargo banker in person on XX/XX/year> myassa.boulil. I provided her proof of my receipt and final bill. Wells Fargo billing department told the banker myassa.boulil that they will make their decision on 10 days. Wells Fargo took over a month and decided on XX/XX/year> to charge my checking {$410.00} for no reason and no explanation. 

I want my refund of the {$410.00}. XXXX never provided anything in writing, a bill, contract or in any communication that I would be an extra {$410.00} dollars. They never returned my calls either. This fraud and I am being charged for {$410.00} for no reason. 

XXXX XXXX XXXX # XXXX {$410.00} XXXX XXXX! XXXX!
Product: Mortgage

Good Afternoon : My last mortgage company sold my loan to Freedom Mortgage. I have owned the home since XXXX My current status with my loan is it is fixed rate at 3.75 percent. I do not escrow. Never Have. I pay my property taxes, my flood, my windstorm and liability with the same company since i purchased the home in XXXX This company is XXXX XXXX XXXX XXXX. ( XXXX ) XXXX XXXX XXXX is pres. I have maintained in good standing all my insurances required since day one with XXXX XXXX XXXX My property taxes are paid and current. When my last company sold my mortgage to Freedom Mortgage company, I started receiving harassing letters about my insurance and I should get a quote from freedom mortgage insurance. I explained countless time I was well insured and happy with my current provider of 13 years. Then I got letters stating I had no insurance!! When I received the letters I forwarded to my insurance broker/XXXX XXXX XXXX They sent faxes and emails proving I had more than excellent insurance. Well, the letters kept coming. Demanding I prove insurance or they would out forced insurance in place. My insurance company, literally sent 10-15 emails and faxes to the dept. requesting proof. We responded literally 20 times with calls to follow. Now placed forced insurance on a home that does not require escow as per original mortgage agreement. They say I owe then, {$13000.00} and change towards some new policy they put in place. I have called them countless times, and they hang up on me. My insurance broker said I should file a complaint. I looked on line last night and saw they have multiple federal lawsuits and millions of dollars in fines for their corrupt activities. I have paid additional $ XXXX {$400.00} a month on my principal on my XXXX XXXX month mortgage. I have never had late pay and my credit score is exceedingly high. I have maintained the proper insurance on my house since XXXX  Freedom mortgage is criminal, and corrupt. I don't own them a XXXX for escrow. My insurance broker had gone way beyond to solve this issue. He is as frustrated as I am. Please help me. Freedom mortgage is not a ligimate company otherwise they would have accepted one of 20 emails and faxes proving I have had insurance in place since XXXX. I am asking my insurance broker to send me proof of emails and all corespondence to Freedom Mortgage. When I call they give me run around and then hang up. I was paying my XXXX Month Mortgage, and when I logged on they have now forced insurance and say I owe {$13000.00}. Please, for the love of god, make them remove the forced insurance and escrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Information : XXXX reporting incorrect Date of Birth ( can provide documentation verifying this ) Current address is incorrect ( can provide documentation verifying this ) Remove all employers except XXXX. XXXX XXXX Inquiries : XXXX shows XXXX while XXXX and Equifax show XXXX Please resolve the inquiries Account History XXXX XXXX XXXX XXXX Not reporting correctly with all XXXX, Equifax, and XXXX Information XXXX XXXX XXXX XXXX XXXX not XXXX correctly Information updated XXXX XXXX XXXX Information not reported correctly Information updated XXXX  XXXX Information not reported correctly Information updated XXXX XXXX Information not reported correctly Information updated XXXX XXXX XXXX not reported correctly Information Updated XXXX  XXXX Date opened, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX not reporting correctly. 
Please update XXXX XXXX XXXX and XXXX XXXX not reporting correctly Please remove XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX XXXX XXXX not reported correctly Please update XXXX  XXXX XXXX not reported correctly Please update XXXX XXXX XXXX XXXX not reported correctly, account charged off as a loss and sold Please remove for inaccuracy XXXX XXXX XXXX XXXX Information reported incorrectly, account paid but shown as derogatory Please remove for inaccuracy XXXX XXXX  XXXX XXXX reported incorrectly Please close for inaccuracy XXXX XXXX XXXX reported incorrectly Please update XXXX XXXX XXXX reported incorrectly Please update