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

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX. I applied for a {$300.00} loan with XXXX in front of their office while I was in my car by phone due to the coronavirus signage. 
She advised me they run a credit check after asking my name and if it was fine, I said yes then she asked me for my personal information. When she asked me my address, I explained that it was a post office box physical address and that I don't have a home where I live physical address, just mailing. She declined to move forward with the loan application process stating that a physical address where I live/reside is needed. That was understandable so we ended that call and I left their parking lot. 
I drove less than 10 miles away and XXXX  alerted me through my phone that Western shamrock finance ran my credit anyway even though XXXX declined to process the credit application. 
I pulled over to call them back and was transferred to the manager who got unprofessional and rude saying and taking up for the fact that they ran it anyway. 
That is not right if I got approved how am I to know? It's not fair that this company operates like this, I need the loan. My credit is not for them to relend or process their payroll after declining to me the application process because I don't have a physical address. They need to get arrested.
Product: Mortgage

XXXX had purchased my loan via XXXX XXXX aka XXXX years prior. In the original letter from XXXX I/we were told to continue payment as usual. I've always paid my mortgage every other week with XXXX. Now that I've continued to do so XXXX continually charges me late fees and I continuously receive notices that my payment is past due. My account is caught up and I am not late nor have I even been late with them. XXXX XXXX has interceded on my behalf before for the same issue. I'm requesting the late fees be removed and for them to update my records. XXXX receives their payment on time and in advance. I am paying them the same way I paid XXXX every other week. Have worked in the accounts payable department with XXXX I'm not understanding why it's difficult for this company to process payments accurately. If I need to forward bank statements from XXXX I will.
Product: Student loan

In accordance with the Fair Credit Reporting act my rights have been violated. 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 I recently reviewed my credit report and noticed some unauthorized accounts on my credit report. Under 15 USC 1681A 3, this role was assumed without permission nor my consent. My right to privacy was neglected and not respected which is under 15 USC1681A 4. You did not exercise your grave responsibility, you were unfair, you were partial. You were never given permissible purpose under 1681B 2. I never instructed anyone to furnish or create this report
Product: Debt collection

I was denied housing and will now be homeless due to a collection account placed on my credit report. I attempted to contact XXXX XXXXXXXX XXXX  whom informed me that had no record of the account in collection. I was then told to contact XXXX XXXX XXXX who then informed me that the account was currently with a low firm. I explained to them account was paid in full with the law firm and needed a letter to verify the debt was paid to secure a place to live. Midland credit company was an unable to provide me a letter stating that the debt was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I consolidated all my XXXX loans and it is still showing up on my credit report as active.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote TransUnion to inform that there are creditors that theyre allowing to report against my credit report that I have no legal binding contract with. And they informed me that I would have to get an attorney to have the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I received a letter on XX/XX/XXXX, about a debt I owed to XXXX XXXX XXXX XXXX XXXX for {$180.00}. The company sending this letter is Business Revenue Systems , Inc., XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and the reference number is XXXX. I called this company at the number given of ( XXXX ) XXXX to inquire about this matter and was told it was for a XXXX XXXX. I told them that the last XXXX XXXX I received was in XXXXXXXX XXXX XXXXXXXX and that I have XXXX and the XXXX XXXX takes care of my health. The lady I spoke to continued to put me on hold when I brought up my insurance and the XXXX XXXX. She finally told me to send her authorization from the XXXX XXXX. I tried to call this company back later that afternoon for more information and a recording came on stating that " This number belongs to someone else. ''
Product: Mortgage

My first issue revolves around the threats and abusive language from a customer service agent when I called Freedom mortgage on XXXX-17 while in bankruptcy. I was concerned about making a payment as nobody was able to talk to me to give me my payment options. When I expressed my concern and fear the rep told me these were the consequences for filing bankruptcy. I was utterly appalled by this response as if my financial hardship was a personal choice. When I filed a complaint I receive a generic response that they could not respond to me because I was in bankruptcy. Again I was extremely disappointed in the mortgage company. 

Although nobody would talk to me I continued to call and advise I was occupying the property and my intent was to keep the property and my intent was to bring the loan current. 

Fast forward to today! I have over {$100.00} in propert inspection fees from the mortgage company. Being as I work for a mortgage service, I understand that when loans fall delinquent and there is no communication with the borrower, visual inspections are required. What i dont understand is why my loan required an inspection when I was unable to obtain payment instructions and I stated on several occasions i occupy the property and i intend to bring the account current. This should be illegal. This is causing an unnecessary financial burden on me even though The mortgage company is well aware that i occupy the property. I would never recommend Freedom Mortgage to anyone. This company has been a nightmare since service transfer.
Product: Credit reporting or other personal consumer reports

During a recent review of my credit report, I found several fraudulent accounts. Please delete these entries from my report, as they are preventing me from getting credit. I do not know these accounts. 

Name : XXXX XXXX XXXX  Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$600.00} Name : XXXX XXXX XXXX XXXX Account Number : XXXX Opened Date : XX/XX/XXXX Balance : {$280.00}
Product: Credit card or prepaid card

I noticed today ( XX/XX/2023 ) that Capital One has reported to my credit report that my accounts were past due in XXXX. It is accurate but I noticed that their were two other inquiries in XXXX reporting the same information. That is a total of four. Please remove two of those inquiries since I only have two accounts and you should only be reporting one inquire for each account per month. I also have a separate issue where I am not showing my payment is being applied. I will pay around {$55.00} and it will not bring it out of the negatives. If it is possible, can I please get an itemized statement showing where my account was at for each purchase and what it looked like after I made the payment? I have never had any other problems outside of these problems
Product: Debt collection

XXXX XXXX, XXXX, and XXXX XXXX have all resolved my current debt and I have the checks that was cashed. I sent proof to all the credit bureaus and they will not remove it. I also will attached the checks as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Are Violating Your Rights by not following Federal Law As Authorized The Fair Credit Reporting Act REQUIRES the CRA 's ( Credit Reporting Agencies ) to have PHYSICAL COPIES of the contract documents we signed with creditors that they are reporting but they DON'T because everything they are reporting is transferred to them from the creditors electronically - not face to face or by mail. This means the CRA 's do not ever review and or verify any credit applications, signed contracts or any documents whatsoever before they report the items on your credit report. Fact is if I haven't been contacted by the bureaus and these accounts validated properly it is indeed FRAUD and I submitted these documents on XX/XX/XXXX and Several times prior to that. 

Account Name : XXXX XXXX  Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$0.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX Account Number : XXXX AMOUNT : {$19000.00} Reason : Account is fraudulent Account Name : XXXX Account Number : XXXX AMOUNT : {$1800.00} Reason : Account is fraudulent Account Name : XXXX XXXX  ( XXXX XXXX Account Number : XXXX AMOUNT : {$110.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX AMOUNT : {$73.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$5000.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX AMOUNT : {$700.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX AMOUNT : {$720.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX AMOUNT : {$880.00} Reason : Account is fraudulent Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX ) Account Number : XXXX AMOUNT : {$420.00} Reason : Account is fraudulent Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I have a Visa card with Bank of America and in XXXX of 2017 I tried switching from bill pay with my bank to auto pay with BOFA on the app but it didn't take creating this mess I have a great relationship with BofA and a home mortgage and credit card as my husband as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Method of Validation and Account Verification In response to confirmation # XXXX Dear Equifax Dispute Department, I am writing regarding your recent response to my dispute of account listed on my credit report, in which you indicated that the account was verified as accurate. I have concerns about the completeness and accuracy of the information reported and request further clarification. The confirmation # XXXX is the investigation I'm responding to. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to receive a description of the procedure used to determine the accuracy and completeness of the information, including the contact information of the party that provided the verification. Specifically, I am requesting : 1. The method of validation used to verify the disputed account ( s ).

2. The contact information for the creditor or furnisher, including their name, address, and phone number.

3. A detailed explanation of how the account ( s ) was verified for accuracy and completeness.

4. The date, time, and who exactly verified this account 5. A detailed explanation of how the account ( s ) were verified for accuracy and completeness, particularly regarding : -Balance amount -Past-due amount -Account status -Charge-off amount -Date of 1st Delinquency -High Credit -Amount past due -Status -Date of last payment -Entire payment history The specific account ( s ) in question are as follows : XXXX XXXX XXXX XXXX # XXXX If the accounts can not be properly verified or validated , they must be deleted from my credit report promptly, as required by the FCRA.

Please provide the requested information within 30 days of receipt of this letter. Failure to do so will result in further action on my part, which may include filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your attention to this matter. I look forward to your prompt response. 


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

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 daysXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE Equifax removed an item the same time as XXXX  from XXXX XXXX  XXXX and its back on my credit when it should have never been there. I was in bankruptcy chapter XXXX when these charges were incurred and the rental company XXXX is still trying to charge me for this rental.
Product: Credit reporting or other personal consumer reports

Ive been in communications with ( XXXX, Equifax or XXXX ) about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 
This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told ( XXXX, Equifax or XXXX ) many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have even spoke with all three bureaus to inform them that XXXX XXXX XXXX stated they do not report any public information to my credit profile. This has been a nightmare. Ive been dealing with this for years with inaccurate information on my credit profile. 
You are required to do what I am asking and block the following personal information from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 
Thank You XXXX XXXX
Product: Prepaid card

My money {$720.00} was refunded back to my prepaid card via XXXX XXXX XXXX # XXXX XXXX XXXX XXXX on XX/XX/2023. The banking company will not release my funds
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXXwas never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in those account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 


XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently contacted XXXX, XXXX, Transunion, and XXXX. 

I recently had a student loan XXXX because I am XXXX  and XXXX  XXXX. 

XXXX and Transunion has this loan as XXXX. That's good. 

My question, and problem, is that they keep reporting late payments from about 5 years ago. I'm XXXX, have XXXX  XXXX  XXXX XXXX, as well as other XXXX  XXXX problems, and it will do no good for me to have the loan XXXX and carry the late payments, which are under dispute. I say under dispute because I received a forbearance or deferment during those times, my income never went up, and thus should've been in forebearance  or deferment. That is proveable as I get XXXX  from XXXX  XXXX  and XXXX. 

Besides that, each of the XXXX entities above claim that the other is the one to delete the " late payments. '' So who would be responsible for doing that and who does what next? 

This is very troubling and confusing. You simply can not get XXXX on the phone... they've set their phone menu up to direct you to their website in EVERY CASE. 

XXXX is so busy that in practicality you can't reach them. 

Only XXXX can be reached on the phone. Otherwise I send messages and they refer to the other party. Now tell me that this isn't a common occurence. People need to know the solution to it, rather than wringing their hands. 

I'd like to get this resolved before I die ... surely my last words wouldn't be that I had late payments on this initial {$15000.00} student loan, that was supposed to be taken off after XXXX service at a low income XXXX. This loan was taken out 35 years ago, and I've suffered enough, with a balance of over {$200000.00} until recently. 

So, which entity starts the process? Who finalizes it? Please help.
Product: Debt collection

I XXXX XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only.

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

This Company is reporting the XXXX Account ending in XXXX  and XXXX XXXX account ending in XXXX on my file inaccurately and incomplete. 

The open account status on this account is incorrect. 

It is closed and included in a bankruptcy. 

It is reported correctly with XXXX and XXXX as such. 

I have submitted more than one dispute to Equifax in this regard and they are not verifying the information. 

At this point since it is incorrect and incomplete I just want it removed from my account instead.
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 Costume 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.