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

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX  XXXX, Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX  XXXX, Account name : XXXXXXXX XXXX XXXX XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX  XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 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

My local XXXX XXXX XXXX collector issued a refund of past taxes for years XXXX and XXXX. At that time, I had a mortgage with XXXX so the tax collector sent my refund to XXXX. XXXX recognized that they had sold my mortgage to PHH and sent the four checks, totaling {$3500.00}, to PHH.l I have contacted PHH numerous times to include three faxes sent to XXXX and a registered letter tot heir Customer Research Department asking them to send me my tax return. ( inquiry numbers XXXX ( 39 ) and XXXX ( 66 ) They have sent me a fax and a letter saying they are unable to locate my account. I sent them copies of the checks that XXXX ( XXXX ) sent them. They say they have no account number for me and are unable to locate the funds. 
I do not have an account number with PHH but have provided the property address and my social security number.

They have my money and I would like you to help me get it back. In addition to what I state above, I have spent hours on the phone and they say I can't speak directly to the Research department nor do they have a direct phone number. They only have a fax number. Please help me.
Product: Credit card or prepaid card

Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of XXXX and XXXX  and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.
Product: Debt collection

I am writing to formally dispute an account appearing on my credit report, which is being reported by Credence Resource Management. This account is inaccurate, unverifiable, and should be removed in accordance with the Fair Credit Reporting Act ( FCRA ). 
I initially requested documentation from Credence Resource Management to verify this debt over six months ago. Despite multiple follow-ups, they have explicitly denied having any verifiable documentation, such as a signed contract, statements, or other proof of my obligation to this debt. They have not provided identity verification or any evidence to substantiate their claim. 

Under FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have the right to receive accurate and verifiable information regarding any account reported on my credit report. Furthermore, under FCRA XXXX XXXX, unverifiable or disputed information must be removed from my credit report. Since Credence Resource Management has failed to provide proof for more than six months and has admitted they do not possess the required documentation, I am requesting that this account be immediately removed from my credit report. 

For your review, I have attached the following : A copy of my credit report highlighting the disputed account. 
Correspondence with Credence Resource Management confirming their refusal or inability to provide verifiable documentation. 
As a credit reporting agency, you are required by law to investigate disputes and resolve them within 30 days ( or 45 days if additional documentation is provided ). I trust you will fulfill this obligation and remove this unverifiable item from my report promptly. 

Please provide written confirmation of your findings and the resolution of this dispute. I look forward to your prompt attention to this matter.
Product: Bank account or service

I have tried for the past 6 months to get XXXX bank to rectify a mistake they made to ch to chex systems. to the date of this correspondent this has n't happened. I have provided documentation to them, with them coming back and sayin that this this inforaation is accurate. Im exhausted with all the going back and forth with them not being held accountable
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax Information Services LLC. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed in my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in auto pay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 


Account Number : XXXX Account Number : XXXX Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishes correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

Furthermore, under the FCRA, articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively.

These provisions provide for damages, including actual damages, attorney fees, and possible punitive damages, for failure to comply with the Act 's requirements
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Alternative Email : XXXX SSN : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXXTo Whom It May Concern : I am writing to formally request an immediate investigation into the fraudulent accounts listed on my credit report, particularly those associated with XXXX XXXX XXXX. I have previously provided clear evidence of identity theft, including an FTC Identity Theft Affidavit, yet the fraudulent account remains reported on my credit report.It is apparent that the current procedures and practices in place are either outdated, insufficient, or incapable of handling the complexities of identity theft cases. I challenge Experian to justify its continued reporting of this fraudulent account despite the comprehensive evidence provided.Immediate Actions Requested : Immediate Deletion of the XXXX XXXX  Account : As confirmed by the creditor, this account must be removed from my credit report without delay.Correction of Reporting Errors : Update my credit report to remove any negative information related to this fraudulent account.Detailed Explanation of Verification Process : Provide a comprehensive explanation of how your verification process works and why it failed in this instance.Confirmation of Updates : Please confirm in writing once these corrections have been made, along with a copy of my updated credit report.Failure to address these violations promptly will result in further actions, including filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), as well as exploring legal remedies for the damages caused by your negligent reporting.I am attaching the following documents to support my complaint : Dispute Investigation Results XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sincerely, XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX, CA XXXX Email : XXXX Alternative Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

M & T bank delays sending out the billing statement for the auto loan I picked up nearly a month ago. 

A used car loan was signed on on XX/XX/2024, as of XX/XX/2024 I have still not received loan payment information. 

I contacted a branch on XX/XX/2024 to ask for a copy of billing to be sent out. 

On XX/XX/2024, I contacted M & T bank through their XXXX number. The agent is telling me that they can only send a statement after 30 days in their system. 

It seems that M & T bank is using business practices to force used car sales into default and misdirection of information to cause a missed initial payment. 

Please ask M & T bank to explain why it takes 30 days to notify the customer on their financial relationship? 

Please catalog this tip with others discussing M & T practices of causing delay of information related to customers making payments.
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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX Date of Inquiry : XX/XX/year> Account Name : XXXX  Date of Inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit report act, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, Texas Attorney General Office account # XXXX. Texas Attorney General Office account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602A States I have the right to privacy.

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

The company basically denied my verified FTC report # XXXX, also my verified IRS claim of idenettity theft ( Notice XXXX ) dated XX/XX/19 prior to this incident i was already compromised. Not my fault i dont own the SS #
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 dispute resolution proce 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 andfinancial loss, and I seek appropriate redress for these violations.
Product: Debt collection

This collections is still being reported on all XXXX credit agencies and I want it removed immediately. I have sent information and will upload it again. I would like for this company to send me the 1099c that should have been filed if this debt was charged off as it sates on my report. I will act under law if this information is not provided or if the information is not taken off my XXXX reports. Its tax fraud and I will be filing a complaint with the irs if this isnt removed are furnished.
Product: Checking or savings account

See attached documentation. 

On XX/XX/XXXX, I made an electronic payment directly from my Capital One business checking account to my Capital One Business Mastercard in the amout of {$1000.00}. 

On XX/XX/XXXX, Capital One withdrew an additional {$1000.00} electronically and made a payment through my bill pay to a Capital One Visa card ending in numbers # XXXX. I DO NOT HAVE A VISA CARD AND I DO NOT HAVE A VISA CARD ENDING IN # XXXX. See attached documentation. 

I called Capital One on several occassions to advise them what happened and they told me that the Visa ending in # XXXX was an authorized card which was added to my business account back in XXXX. As explained to these XXXX, I didn't own a XXXX  back in XXXX nor did I have a Capital One Visa card. They added this Visa Account to my bill pay and paid off someone elses bill with my money.
Product: Mortgage

Freedom mortgage obscures information about the distribution of my escrow payment. It takes calls to two different departments within the company and 1 hour of my time. I can't plan on any adjustments that I may need to make. The escrow distribution information is not available. 

Furthermore they opt me in to sharing my data with affiliates and non-affiliates. I get advertisements constantly from them. This feels very scammy from the company holding my biggest asset.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company by the name of XXXX XXXX XXXX/XXXX is reporting on my credit report. These loans where sold to a company by the name of XXXX. XXXX is also reporting late fees on my report which has been consolidated. All of the XXXX accounts have been on my report before XX/XX/XXXX and open since XX/XX/XXXX there 21 accounts they are reporting to my credit.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/year>, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
Product: Checking or savings account

Someone opened accounts in my name I was unaware of and also tryed to that I was unaware of XXXX in the amount of XXXX Inquiries : XX/XX/19 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

No matter how i try i am unable to get my Equifax report or access to their site. Even if I go through another credit site I can not get my report. I tried going directly to Equifax and calling numerous times but no human ever answers. I have used my original sign in that for some reason no longer works and tried numerous times to reset my password but was told to call a number to speak to someone. No one ever answers the phone, just recordings. 

I even went through a verification process and had them send me a code to my home address. It did not work and I could not reach a human being on the number they provided. 

The really annoying part is that I am one of those people who had their identity compromised by their security breach. I was promised years of free credit reporting and that was even before their major security breach in which I was suppose to receive more compensation. I realize that huge case has not been settled but I had one before that due to Equifax having multiple breaches. 

It is ridiculous that I am denied access to my credit file due to their negligence, they reneged on their compensation and no one at their company ever answers the phone. I have done everything I can to resolve this.
Product: Student loan

I had calls from Optima Advocates selling the Student Loan Forgiveness and Loan Discharge. I verified my personal information to include my name, phone, email, and address. I learned the representative already had these details available. 
I was told to complete a Cease and Desist form notifying my original lenders ( XXXX XXXX, XXXX XXXX XXXX ( XXXX  ) ) that OA would continue all future correspondence moving forward. This form was notarized on XX/XX/XXXX with signatures from both myself and my mother, XXXX XXXX ( co-signer on original loan agreements ). 
XX/XX/XXXX, I got verification of my enrollment in the PSLDP, and OA had been in contact with my previous lenders about a payment plan. XXXX XXXX, a rep, ensured me I should discontinue my payments to my original lenders. I was also told my payments would be made to XXXX XXXX ( XXXX XXXX ). 
I began making monthly payments of {$260.00} on XX/XX/XXXX. I had an email on XX/XX/XXXX from XXXX XXXX ; however, it informed me OA needed personal security questions to alter my demographics of my previous lenders accounts. I was also highly advised to stop making payments to my original lenders. She informed me it was important that my accounts be in delinquent status of at least 150+ days. I received a call from OA which I supplied my security answers, and following their advice, I no longer made payments to XXXX XXXX and/or XXXX. 
XX/XX/XXXX, I was emailed my case manager had now been reassigned to XXXX XXXX. I replied telling OA I had messages from XXXX  alerting I had become behind. It had also been reported on my credit report. The case manager replied I should ignore the debt collection attempts ( I also included attachments to my case manager who then continued to dismiss their attempts ). 
XX/XX/XXXX, XXXX asked me for a copy of my drivers license and social security card to have on file. I sent these documents via email and received confirmation of its arrival. 
XX/XX/XXXX, my case manager changed to XXXX XXXX. She gave an update reading OA sent debt validation letters to XXXX XXXX and XXXX. I was told it would take 30-45 business days and would hear a response. 
XX/XX/XXXX, I was told by XXXX XXXX , XXXX that my XXXX loan had been transferred their collections. As of XX/XX/XXXX, it is still in collection status under a new company named XXXX XXXX XXXX XXXX. 
I didnt receive updates from OA until XX/XX/XXXX. I got a voice mail with questions concerning my account. I returned the call, and again was informed my case had been given care. XX/XX/XXXX, I asked my case manager by email to speak to me about continued debt collection attempts and questions about my status with OA. I did not receive a reply until XX/XX/XXXX, which I was again left a voicemail. 
I reached out to XXXX on XX/XX/XXXX with concerns ; however, I can no longer contact a representative of Optima Advocates by email ( recipient addresses are invalid ) or phone as all lines report disconnected. As a result, my last payment to OA was on XX/XX/XXXX.
Product: Checking or savings account

I opened an account with XXXX. I did work for someone and they paid me with a fraudulent check. XXXX then decided to close my account without telling me. Fast forward to a week ago I open another XXXX account and everything was fine until XX/XX/year> when I could no longer log into my account. I called and they said it was closed because of the previous fraudulent check that I received. They denied me access to my account and will not send me my money. The lady on the phone told me that a decision was made without even getting any information.
Product: Debt collection

Credence Resource Management, LLC phoned cell, then home. Asked for last XXXX of my SS #. Say I owe {$54.00} for a cell phone, yet I have never had that cell number. I phoned the provide, XXXX XXXX XXXX, who confirmed I do not have an outstanding balance nor had that cell number. Credence also sent a letter to my home soliciting info. When I called them, they again asked for last XXXX SS #. I think this is a scam and am about to call the police.
Product: Debt collection

My complaint is about ARS- Account Resolution, XXXX, amount {$800.00} they are reporting two different debts with two different dates that has not been validated. I never received validation on this debt, not verification. This was actually removed off my Credit. Report last year and placed back own my credit report which is illegal. I will be contacting the FDCPA is this is not removed from my credit report. It was proven that they could not validate the date and was removed.
Product: Bank account or service

We went to refinance our home to lower the monthly payments and here we are 4 years later and we went to get a small loan to do repairs on the house and that is when we find out that they did n't lower the payments they got XXXX involved and sold them part of the loan to our surprise. XXXX now has a lien on our home for over {$100000.00}. We trusted the bank. What a joke. Looking for a lawyer to tell us our options now. Beware of dealing with US Bank.