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

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX XXXX. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 

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

My number is in an auto-dialer for XXXX XXXX XXXX. I have called to resolve and unable to. They are telling me I do not have a loan with them, which is accurate. However, for the last many weeks I am getting nearly daily calls from an auto-dialer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am so sure that I may be a victim of identity theft! 
You know what I am shocked to have this situation ... I do not recognize these accounts. I believe I became a victim of identity theft. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions and remove it. Also It could be possible you are mixing up these accounts with someone that has a similar name as me ... so please deal with that asap!
Product: Credit reporting, credit repair services, or other personal consumer reports

4 Hard inquiries were made on my XXXX credit account that are fraudulent. 
- 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 or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Accounts and Upholding of Consumer Rights Dear Experian Dispute Department, This letter formally requests the immediate deletion of all unverifiable, inaccurate, and incomplete accounts from my credit profile. I assert my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) to ensure the accuracy and integrity of my credit report. 
Specifically, I demand the removal of the following accounts submitted. 
These accounts are either unverifiable, inaccurate, or incomplete, and their presence on my credit report negatively impacts my creditworthiness. I have previously disputed these items, but they were reinserted without proper investigation or adherence to FCRA guidelines. 
I am aware of the recent lawsuit filed against Experian by the Consumer Financial Protection Bureau ( CFPB ). The CFPB alleges that Experian failed to investigate consumer disputes adequately and reinserted previously deleted accounts without following FCRA regulations. This conduct is unacceptable and demonstrates a systemic disregard for consumer rights. 
As a consumer, I have the right to : Accurate information : My credit report must contain only accurate and verifiable information. 
Dispute resolution : Experian must conduct a reasonable investigation of disputed items and provide me with the results. 
Proper reinsertion : If a previously deleted item is reinserted, Experian must provide me with notice and an explanation, including the source of the new information. 
I demand that Experian : Delete all unverifiable, inaccurate, and incomplete accounts from my credit report. 
Conduct a thorough investigation of all disputed items. 
Provide me with written confirmation of the actions taken. 
Ensure that all future actions comply with FCRA regulations. 
I expect a prompt and satisfactory resolution to this matter. If my request is not fulfilled within 30 days, I will consider further legal action to protect my rights. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I mailed Lexis Nexis a second letter on XX/XX/2022 via certified letter from the US Postal Service. This was my second requesting asking for validation on an alleged bankruptcy they are reporting. The first time, inever recieved a response from Lexis Nexis, which is why I sent the second request certified mail. According the the US Postal Service, my request was receieved on XXXX XXXX, 2022. As it stands today, I still have not reeieved any updates, and it is pass the 30 days they have to complete an investigation, per the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my son get a loan for college and when I spoke with the lady from the bank she told me that I was not able to get the loan right now because of my credit. I really didn't understand how because I don't have credit issues. I went to look at my credit and there is a XXXX XXXX account XXXX and some inquries : XXXX XXXX XXXX EQUIFAX MORTGAGE SER EQUIFAX MTG XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these. I contacted FTC and local police immediately also.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Removal of Inaccurate Business Account XXXX  NM ( Account No. XXXX ) Dear Sir/Madam, I am writing to dispute the inclusion of the following account on my credit report, which is inaccurately reported and causing significant harm to my creditworthiness. 

Account Details : Account Name : XXXX NM Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off ; {$42000.00} past due as of XX/XX/XXXX Balance : {$42000.00} ( Balance updated XX/XX/XXXX ) Basis for Dispute : This account is completely erroneous. I have never opened a business, formed a business entity, nor taken any business loan. The reporting of this business account is not only incorrect but is also causing damage to my personal credit. The Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) protect consumers from incorrect reporting, and this situation clearly violates those protections. 

Legal Violations : FCRA Violation : XXXX XXXX XXXX. XXXX ( b ), credit reporting agencies must ensure the maximum possible accuracy of the information they report. This account has no basis in fact and is a clear violation of this statute. Failing to maintain accurate information is a violation of my rights under the FCRA. 

Additionally, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) requires the removal or correction of inaccurate information after a proper investigation. I am asserting my right to have this fraudulent account removed within the legal time frame. 

TILA Violation : XXXX XXXX XXXX. XXXX, any creditor must ensure that any reporting to credit bureaus is accurate and reflects actual transactions made by the consumer. As this is a business account I never applied for, this reporting breaches the TILA 's transparency requirements. 

Immediate Action Required : I demand that you : Remove the XXXX  NM account ( Account No. XXXX ) from my credit report within XXXX ( XXXX ) days of receiving this letter. 
Provide written confirmation that this account has been permanently deleted and will not be re-reported without thorough and verifiable evidence of its legitimacy. 
If this account is not removed promptly, I will explore all available legal remedies, including seeking damages for violations of my rights under the FCRA and TILA. 

Please treat this as a formal dispute under the FCRA, and ensure that the account is removed without delay.
Product: Mortgage

I have sent in money for my deposit to get appraisal done to get my PMI removed. They never notified me when the money arrived, it had been two weeks. As per their own PMI removal sheet, since I have been in my home for over two years, I do not need improvements done to the home, and can get an appraisal done and if I am 75 % LTV or less then I can get my PMI removed. They are requesting a list of improvements ( which they never notified me about, I found out they want that list when I called them ) even though their own form says it is not required if I have had the mortgage for two years.

I can't ever talk to anyone that can actually help me. I called them today XX/XX/XXXX again and the lady said " the PMI department does not take calls ''. 

Company is BSI Financial Services.
Product: Bank account or service

We obtained a mortgage from Bank of America to purchase our home. We repeatedly informed them that we do not want an impound account and did not sign any paper consenting to an impound account, and yet, an impound account was imposed without our permission at closing. We made numerous phone calls to Bank of America to remove the impound account, and our requests were ignored. Each time we called, we were reassured by different representatives that the impound account would be removed, but nothing happens.
Product: Student loan

I have been working with National Collegiate Trust 's collection agency XXXX XXXX XXXX, and through my bankruptcy XXXX and XXXX agreed to a new agreement of terms through which to repay the student loan. My lawyer XXXX XXXX, and XXXX and XXXX lawyer XXXX XXXX XXXX, agreed to the new conditions. to pay XXXX dollars, with a 0 % interest rate. It was submitted to the court. However, after I had agreed to the terms of the repayment and everything was finalized it was never turned over to the XXXX who handles the loan. I just filed a complaint and XXXX has no clue about what is going on. XXXX needs to honor the agreement that they made with the new loan agreements with XXXX XXXX. We worked out this agreement since XXXX of this year. This led to me doing forberances on the loan currently and now it has been gaining balances because the interest keeps compounding and it has n't been changed over to the new agreement. 

XXXX understandably has no clue about what is happening. I have contacted them and they say that I am still in bankruptcy status but that is incorrect. 

XXXX has never answered the complaint or contacted me. 

XXXX has disappeared and seems to not be honoring the agreement. 

I can not afford to pay this loan. The interest is too high, I filed a bankruptcy and they were summoned to court and they are the only lender that has not changed the terms and conditions of my loan agreements. 

My income can not support these payments. 

I have filed multiple complaints and I need XXXXXXXX and XXXX to respond NOT XXXX They have no clue what is going on because they are not aware of the negotiations between my lawyer and theirs.
Product: Checking or savings account

UNRESOLVED FRAUD ISSUE ON MY CHECKING ACCOUNT I mailed a check for {$50.00} to XXXX XXXX XXXX in XXXX. I received my bank statement in XXXX. The check had been altered to XXXX XXXX for {$7000.00}. 
I notified the bank and the police of the fraud. I completed multiple forms for the bank and a statement for the police. The paperwork included an affidavit of unauthorized paper debit. I have contacted the bank multiple times with no success. I am looking for help moving this forward and resolving this issue. 

Every time I talk to the bank they request more of the same thing. Each time they push the resolution time later for a month more. As of this week they have pushed the time back to XX/XX/XXXX. This is going onto five months of delay. I need assistance getting my {$7000.00} back.
Product: Debt collection

This collection agency keeps adding this Fraudulent collection account to my XXXX credit report after XXXX keeps deleting the account I spoke to the collection agency and the only thing they have is a copy of an electronic contract with my name and a supposedly signature which is also an electronic signature not an actual signature or a photo ID which an electronic contract is not an actual proof that a debt belongs to a person they also keep adding the account to my credit and keeps getting deleted
Product: Debt collection

I got a call from a company XXXX XXXX XXXX on XX/XX/year> to collext a debt for XXXX im which i set up payments with them. I than got a call from Nexum Group inc called to collect the same debt of XXXX. The person from Nexum group was really rude to me after I told the operator on the phone that I already set up auto payments earlier in the day to pay off my debt. Operator got hostile with me and even threatens me that this debt will be on my credit if I dont set up payments with them then hung up the phone, so i called XXXX afterwards to see whats going on. XXXX XXXX tells me that original person I set my contract up left their business and is trying to pull clients over and is trying to collect debts as well due to this the operator from XXXX to clear ip confusion on my end sent me my signed contract to my email and they called the number i gave them that allowed them to speak with the other company to set things right. After XXXX finished their call with Nexum, Nexum calls me back ( this happened in the same day ) to tell me that I should hold off on my payments before deciding whom im going to pay my debt off. After this call, I recall XXXX and the operator knew that the previous company called me again thus they informed me of my rights and when I asked how to make a report, they referenced me to this website.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted XXXX about an unauthorized inquiry that was pulled on my account on XX/XX/XXXX, I received a response back stating that they will contact all the credit bureaus and have the unauthorized inquire removed, to this date it has not been removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems that my Complaints # XXXX, XXXX, and XXXX was closed last XX/XX/XXXX upon checking it. Again, this is my 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, kindly block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Please see the list of erroneous items found on my credit report : XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$770.00} ; XXXX XXXX  XXXX Balance : {$1500.00} ; MEDICAL XXXX Balance : {$84.00} ; MEDICAL XXXX Balance : {$84.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This is the third CFPB complaint I am filing against Google Pay in the last couple of months. For the third time now my Google pay account under the email XXXX has been suspended for no reason. For the third time I am requested to submit my ID and most recent payment method which I submitted numerous times just to be told over and over the documents could not be accepted. I submitted my driver lisence, bank statement, phyiscal picture of my debit card, everything they asked yet they refuse to remove the suspension from my account and are now blocking me from withdrawing over {$2000.00} in my Google Pay balance which they also did in the previous suspensions. 

It is very sad that a corporation as big as Google is contiously bullying me and holding my money hostage for no reason. {$2000.00} is nothing to this company but for me it is causing serious issues not being able to accecss those funds. I am getting sick of having to file a comlpaint with the CFPB just to get Google Pay to accept my documents and stop holding my account ransom. It is very upsetting that it takes a government agency just to make sure Google Pay follows the rules and doesn't steal from me. I can only imagine how many people have suffered at the hands of this company because they did not have the same consumer knowledge that I have and did not file a report with the CFPB. Please Google Pay stop holding your customers accounts hostage and attempting to steal their money. It is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). XXXX XXXX, account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. I will be filing a complaint with the Consumer Financial Protections Bureau., ( 1. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. ( 2. ) Topic No. 431 Canceled Debt Is It Taxable or Not? After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C. The IRS considers charged off accounts as income and should not be reported