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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$130.00} XXXX XXXX XXXX  XXXX Balance Owed : {$390.00} XXXX XXXX  XXXX Balance Owed : {$7400.00} XXXX  XXXX Balance XXXX : {$13000.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

- 15 U.S.C 1681 section 604 A section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

OnXX/XX/2018 I used Wells Fargo backed XXXX  to make a money transfer to my brother in the amount of {$500.00}. XXXX accessed my contact list to locate my brothers number to start the transfer. The number comes directly from my phone so it wasnt an error with miss-typing the number or anything like that. My brother told me he never received the money. He contacted XXXX, they said they can not do anything and told him to contact his bank ( XXXX XXXX XXXX ). He called XXXX and they said there are no records of money deposited. I contacted XXXX who told me to contact my bank. I called Wells Fargo and they said that they cant do anything. I reached out to them numerous times via online and all they did was post a link to XXXX website. I asked them which institution received that deposit if my brother never received it, they canot provide an answer. I contacted XXXX  again via messaging and I got an automatic reply stating that they will answer in 2 business days ... still I havent heard anything. No one can trace the funds even though my brothers number was correctly entered. The two institutions redirect me to one another. Im not sure what else to do but hope that this has been reported so that people are aware that this is going on.
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 XXXX & 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 XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Consumer Credit Reporting Agencies is unlawful posting of debts to my credit files pursuant to The Consumer Credit Protection Act Title VI - Public Law 91-508 - United States Statutes at Large 84 stat 1127-1136 & The Fair Debt Collection Practices Act USC Title 15 section 1692, and the Fair Credit Reporting Act USC Title 15 section 1681 I have filed disputes and equifax still reporting the 12 inaccuracies on my credit file Credit Reporting agencies have the lawful duty to notify the alleged creditors of this dispute according to USC 15 section 1681 ( i ), ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. This matter has been disputed and after CREDIT REPORTING AGENCIES take the required action of notifying the other parties listed herein I am demanding that this inaccurate information be removed pursuant to USC title 15 Section 1681 s-2 which states, USC Title 15 section 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.i reported Professional Financial Service for fraud and you have failed to block this account from my file pursuant to 15 U.S.C 1681 ( c )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX XXXX ( webbank company ) was paid in full and I requested that the account respectfully be closed as " paid in full, closed at consumers request ). I fought back and forth with petal in updating my balance and closing my account. I ended up mailing correspondence to transunion credit bureau with my last petal statement, proof of payment, and a paid in full letter from petal. Transunion reached out to petal to confirm if my documents where all accurate. Petal card reported to transunion that the account for XXXX XXXX had not been paid in full and was still open, violating the FCRA
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

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

Improper reporting of medical debt. Medical debt can not be reported before it is one year past due. 
Medical debt is legally defined as debt that arose from the receipt of medical services products or devices.

Medical debt can not be reported until it is at least one year past due. 
Medical debt has nothing to do with the holder of the loan it has to do with whether the debt arose from the receipt of medical services. 
Due to a life-threatening illness I was forced to have medical services. Thus my alleged debt arose from the receipt of medical services. 
The allege debt can not legally be reported before the one year mark however XXXX XXXX has denied numerous request to remove the credit entry. They even failed to respond to the XXXX XXXX XXXX complaint. 
I am demanding that the medical debt be removed from my credit file. 
For it to remain on my credit report XXXX XXXX must prove that its not medical debt and that it did not arise from the receipt of medical services and that its not one year past due.
Product: Debt collection

Hello, BHA services is trying to collect a debt from MA from XX/XX/2001 20 years and 11 months ago. The court record does not even have them as the plaintiff 1st off I was never notified of this judgment as it states 2nd this " judgement '' is more than 20 years. This was disposed on XX/XX/2001 - MA law can not collected after 20 years 3rd they state I owe {$5000.00} - Hmm NO 4th they refused to provide any sort of proof They lied about the amount, stated time frame does not matter and tried to force me to send them money.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash app $ XXXX 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 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: Credit card

In XXXX I was advised there were purchases on my CitiBank account. The purchases were made in XXXX and were not made by me or anyone connected to me. These fraudsters also got into my bank account! 

Citibank Fraud Department worked the case and advised me I wasnt responsible for the purchases. The first time I received a past due bill I called CitiBank and they advised me there was not balance on my account and because of the fraud, Id be wise to lock my account. Since I only use that account for my XXXX membership fee, I got off the phone and locked my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted mutilple disputes to block and remove accounts on my credit file that I know that all fraud. Experian has to investigate each account and make sure there 100 % accurate and reporting the same on all three consumer reporting agencies XXXX and XXXX. I demand you block and remove the accounts pursuant to 15 USC 1681c-2 of the Fair Credit Reporting Act. An you should be reporting 100 % accurate according to congress and the Fair Credit Reporting Act if not you will be held civil liable for all damages you have cost me as a consumer because I cant get approve for credit. Pursuant to 15 USC 1681 ( a ) ( 1 ) the bank system is dependent upon you Experian reporting 100 % accurate and fair. I demand that your reinvestigate and block these entries now and be removed within 4 business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 Equifax claims that I disputed information about my XXXXXXXX XXXX XXXX account they have on my credit report this dispute is fraud did not file a dispute on this day and they never sent me a notification of this dispute I had found it by accident while looking at my report I believe they are trying to illegally change information on my credit report so they do not have to remove an account due to false and inaccurate information. This is fraud and I'm I have gotten an attorney.
Product: Credit reporting or other personal consumer reports

This is my another Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XX/XX/2022 XXXX  XXXX
Product: Mortgage

Dear CFPB, We had a {$170000.00} mortgage with XXXX XXXX, they sold the loan I don't know how many times, we wound up with New Rez, never heard of them ; they placed a forced flood policy on my home and insist I pay the new amount including {$1000.00} a month escrow. I spoke with them 3 weeks ago and the person gave me a fax number for our HOA people to fax the flood policy to. I watched the HOA lady fax the document, then she gave me a copy which I have in front of me right now. My condo association pays the flood insurance and it is not escrowed. The flood policy was in place when I took out the mortgage with Loan Depot and somehow the new company New Rez lost track of it. Now they are calling me and threatening to make us 30-day late and start foreclosure. They called us an hour ago but hung up I believe or we were cut off and I don't know what to do. We didn't cause any of this. We were going along paying our mortgage on time and then because the loan was sold to an incompetent company we're in this predicament.
Product: Mortgage

I have a HAMP Loan with SPS. Servicing Inc. I have made all payment on Time. When the Pandemic hit, I requested a forbearance after paying XX/XX/XXXX Mortgage payment I was informed that SPS would put XXXX, XXXX And XXXX payment on the back end of the loan. In XXXX I contacted SPS And informed them that I was still experience financial difficulties due The Pandemic. SPS had fill out and new application and requested me XXXX statement along with my son bank statement who has been Paying the Mortgage. We did not get reply until XXXX where SPS Requested us to make payments of {$790.00} for XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX with a balloon payment due XX/XX/XXXX Of {$16000.00} that would bring the account current. We notified SPS XXXX XX/XX/XXXX that we were still experiencing financial difficulties and Were unable to make the {$16000.00} payment. SPS sent me a new application For additional forbearance. SPS replied that they would be able to grants us And additional forbearance, or modification and has set a repayment schedule that is unreasonable and beyond our ability to pay due to the pandemic at this time. 

Enclosed I have attached a copy of the letter rejecting and additional forbearance Along with the re-payment schedule. 

Should you have any questions please contact me at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION NO XXXX XXXX XXXX XXXX  INQURIES STILL POSTED TO MY ACCOUNT. NEED XXXX XXXX  INQURIES REMOVED IMMEDIATELY AND A XXXX XXXX POSTED OF XXXX AND BETTER I ALREADY SUBMITTED IDENTITY THEFT REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to report a violation of the Fair Debt Collections Act by XXXX XXXX XXXX. There is an account XXXX listed on my credit report by XXXX XXXX which has been re-aged. XXXX XXXX XXXX deliberately changed the date of first delinquency on a consumer account from XX/XX/XXXX to XX/XX/XXXX in order to park the debt on my credit report. Prior to XXXX XXXX, the Date of First Delinquency was listed as XX/XX/XXXX by Equifax. 

XXXX XX/XX/XXXX, I was notified by credit monitoring, the collection account was removed from Equifax, XXXX, and XXXX as the account was approaching the 7-year reporting deadline. In XX/XX/XXXX, I was notified once again that I had a new account in collections on my Equifax report as of XXXX XXXX, XXXX. When I pulled my Equifax report on XXXX XXXX, the report displayed the exact same account XXXX re-added to my report with a new First Date of Delinquency of XX/XX/XXXX, 5 months beyond the credit bureaus reporting expiration date. 

To prove the Date of First Delinquency changed, can provide documentation from not only Equifax, but from XXXX  and XXXX  as well. They all show the account was to be deleted by XXXX XXXX, which is consistent with the Date of First Delinquency being XX/XX/XXXX. 

In XX/XX/XXXX, I asked Equifax to investigate, but they closed the investigation and updated my report to read XXXX disputes after resolution. Equifax has allowed XXXX XXXX XXXX. to violate the XXXX XXXX XXXX XXXX by falsifying my credit history and knowingly re-aging an account with the intent to cause further damage to my credit. This illegal behavior by XXXX XXXX XXXX indicates me they knew Equifax would overlook my complaint, and that XXXX XXXX XXXX will continue to negatively re-age the delinquency status in an attempt to deceive.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian, XXXX and XXXX concerning the dismissed bankruptcy that should be removed from my report. They have not removed it as of XX/XX/18. 

This bankruptcy was filed under the false advice of my attorney who stated that it would allow my home arrearage to be lowered and to save my house from foreclosure. As you will see from the attached letter that I sent to my trustee, my attorney failed to act appropriately and in my best interests which eventually led to my having the case dismissed and ultimately turning over my house in a deed in lieu. 

The Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, they have no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, they must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit card or prepaid card

Today I called  Capital One  to open an account for a new credit card. I have a credit freeze on my account So I called to find out what credit services they use to get a PIN to provide them with so they could pull the reports. I was told that the only way I could proceed was to release the freeze on all  XXXX  credit bureaus for a period of at least 10 days. I told them that I had a freeze on my account for a reason and did not want to open the account to everyone and for a period of more than 10 days. The response that that was fine, this is what our policy is and I could go elsewhere. I asked for a copy of the policy they said no, it was an internal policy and they were not required to provide it to me. I asked why if the credit bureau had a way for me to open the files with a PIN that I would then provide to them so that no one else could have access to my file. Why they were unwilling to accept this. Again I got that not how we do things here at Capitol One. We do n't care if your bureau files are exposed to anyone and for how long.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate, customer, service, and unfair practices, which violates the Consumer Finance Protection Act ( CFPA ). Specifically, Cash App failed to take a 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 era 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 of these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that do not belong to me and are reporting on my credit report. this information is fraudulent and i want it investigated and removed from my credit immediately!!!!!
Product: Student loan

Navient. 

Tried to auto enroll me in deferment of payments. 

My loan provider has changed multiple times unnecessarly since first beginning payments. 

I have selected an automatic payment option to focus on the highest interest loan first. Worked out fine for a couple months. Now it's not paying the other loans, allowing them to default and causing high fees. THEIR AUTO PAYMENT OPTION. 

Automatically changing my address unless I call them. I haven't moved. I can only assume this is to XXXX people over on their tax deductions. 

Tired of baby sitting them. Grade A corrupt business practices at every turn. Selling all my investments ( my entire nest egg ) to clear out of this debt which is suppose to just be 3-5 % APR but it's just not with all their XXXX. Going to encourage my son and anyone else who's interested in college to steer clear.
Product: Credit reporting or other personal consumer reports

i recently check my credit report and notice some items that wasn't mines and i file an identity theft report and sent it to the three CRAs ( XXXX, EQUIFAX, AND XXXX ) USPS certified mail on XXXX XXXX and they received them on XXXX XXXX and by FCRA they have XXXX business days to block and delete the information. 
I have attach copies of the letters below and has been going through sleepless nights stressing because i keep getting denied for things i need to survive.
Product: Money transfer, virtual currency, or money service

While in XXXX, I trusted someone ( agent ) to take care of my property until I was released from XXXX, but believing I'd never get out, she betrayed my trust and committed fraud by using XXXX to transfer and embezzle all of my VA XXXX payments from my USAA Bank Account! A total of over {$25000.00}! She also used my credit cards, debit cards without my permission for her own bills and expenses. etc. She overdrew my accounts causing fees and closure! I was just XXXX of XXXX XXXX last week and released. However, I'm in deep debt, homeless, XXXX, and XXXX due to my bank fraud department allowing all my only source of income to be fraudulently stolen while I was in XXXX  and blaming ME! I wrote my bank letters about the suspected fraud since 2019, but was ignored. They don't care! And they advertise being a bank that cares & serves the nation 's veterans/heros! They have not. Please, HELP! : I have all my bank statements. I can't even afford a lawyer ... 

She thought I'd never get out of XXXX. and sent me a very nasty letter in XX/XX/2019, same month the fraud began! She said, " Nothing you can do about it since you're in XXXX! '' Bank statements prove she used XXXX to transfer in her name!
Product: Debt or credit management

I joined a credit repair service for XXXX dollars and they didn't do anything or respond to my emails or calls I requested a refund because a service wasn't provided I'm being ignored and up on doing research this company is committed Fraud to a lot of people ( united funding logistics ) out of Texas
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and not ced several accuracies on my account. This account is nurting my ability to obtain cred titis ity understanding tat you Wil investigate these items for me to ensure accuracy. 
Here is the item l am asking vou to XXXXenty as accurate XXXX account XXXXXXXX XXXX # XXXX