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

I recently challenged the validity of XXXX, XXXX account that is being reported on my most recent credit report. Upon this challenge, XXXX deleted the account based on lack of ability to properly verify all reported information being accurate. I noticed as a result of challenging this account with Equifax, the account was verified. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting information used to verify this account in writing. If such documents can not be produced, please delete the account listed above from my credit report immediately. 

I have personally contacted XXXX, XXXX many times over a 2-year period and have yet to receive any supporting documents.
Product: Credit reporting or other personal consumer reports

It is important to note that making legal threats without intending to act on them is unlawful. Therefore, be advised that I am fully committed to pursuing legal action against your company. Despite sending numerous requests for you to investigate and remove inaccurate information from my credit profile, you have repeatedly failed to comply. This is my final notice requesting compliance with the FCRA. If you do not conduct a thorough investigation of the disputed accounts, I will file a lawsuit against your company in my county of residence, necessitating your travel here to defend your actions. 

Disputed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

If this company is not on your list, they should be. They have numerous complainants. 

We are unable to send your complaint to the company for a response. 
We reviewed your complaint and werent able to forward it to the company for a response either because the company is not on our complaint system, or because we do not currently handle complaints about this product or issue. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2022 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Product: Credit reporting or other personal consumer reports

I'VE RECENTLY CHECKED MY CREDIT REPORT AND NOTICED SOME INACCURATE ACCOUNTS REPORTING LATE PAYMENTS FROM NAVIENT IN XX/XX/year>.
Product: Credit reporting or other personal consumer reports

Experian, i have sent many dispute letters to them about accounts that have been charged off and still showing a balance. When some accounts have XXXX and others they will not change the balance. This is inaccurate information. I did not give them the consent to keep incorrect information on my credit report. Also there are two collections in which i have disputed and those companies can not provide the bill of sale where they purchased my alleged debt. My privacy has been compromised and these transactions are not to be disclosed. They never told me what they did to verify any dispute.
Product: Debt collection

In my review of my credit report, XXXX/CAPIOPART is reporting a collection debt to the credit reporting agency. 
I have no knowledge of this collection debt and this negative account has affected my ability to obtain credit. It is a violation of FCRA to report any collection debt to credit reporting agency in attempts to collect a debt without first notifying the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do all my banking with wells fargo. I also have a car loan with Wells Fargo Auto. I was diagnosed with XXXX and XXXX Double XXXX and had to recover in the hospital for over nine weeks. I also informed wells fargo and wells fargo credit that I would have to make 3 small payments for only a period of four weeks. They approved this covid relief and granted the smaller payments. I recently discovered a decrease from XXXX to a XXXX in my credit report that was because of Wells Fargo Auto reporting a late payment. I am requesting that they promptly take this off my report and have talked to Wells Fargo banking and they also agree to reach out. They have been kind enough to cover NSF and any related charges to help me through this crazy time. Please take this off my credit report so I can refinance my home at a good rate and keep my son and I in our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always make all of my payments for all of my credit cards on time. I was making a payment for {$670.00} for my capital one card around XX/XX/XXXX and the payment went thru and said confirmed as if the payment was good. I did n't realize at the time I used the wrong payment method to pay for my card. Once it went I did not realize it was the wrong method of payment once Capital One reversed the payment I made they marked me as a late payment because it did not go through and marked it as Delinquent. Once I realized it was late and delinquent I immediately made a payment and called to talk to someone at Capital One about the problem and I was told there is nothing I can do to have the Delinquency taken off even after a continuous four months of me continuing to pay on time. It is my first late payment, and it would n't have been late had I known I used the wrong method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

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

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

company fails to confirm validation and is not accurately reporting on all XXXX credit depts which is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with NAVY FCU, XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, NAVY FCU, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX, and XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told the Experian, XXXX, and XXXX to reinvestigate these accounts : 1. The following inquiry is more than two years old and I would like it removed XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

3. The following inquiry is more than two years old and I would like it removed XXXX XXXX  Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

4. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

5. This account has never been late. 
XXXX, XXXX. 
Account Number : XXXXXXXX  Please correct/update this inaccurate information on my credit report. 

6. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. The following account is not mine XXXX  Account Number : XXXX Please remove it from my credit report. 

8. The following account is not mine XXXX XXXX XXXX 
Account Number : XXXX Please remove it from my credit report. 

9. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 




However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.

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 item of information, other than records of convictions of crimes, 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.

Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

XXXX WENT ON MY CREDIT REPORTS AND KEEPS CALLING FAMILY MEMBERS.. 
CEASE AND DESIST COLLE CTIONS AND CEASE COMMUNICATIONS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$8000.00} XX/XX/XXXX XXXX XXXXXXXX {$2500.00} XX/XX/XXXXXXXX XXXX XXXXXXXX {$1000.00} XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX {$420.00} XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud, leaving my account vulnerable and unprotected. Additionally, their dispute resolution process was unfair and deceptive, failing to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failures have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible
Product: Credit reporting or other personal consumer reports

This evening, I discovered unauthorized inquiries on my credit report, and Im completely baffled as to how they got there. I check my credit report regularly, but this time there were discrepancies that just appeared out of the blue. I tried refreshing the page, thinking it might be a browser issue, but the unauthorized inquiries didnt disappear. Im really frustrated by this situation and urgently request that my documents be carefully reviewed so I can finally feel at ease.
Product: Money transfer, virtual currency, or money service

XXXX I received email notifications that a payment of {$1000.00} and a payment of {$22.00} were deposited into my CashApp account by XXXX XXXX ( one of my tenants ). 
XXXX I attempted to transfer the funds from CashApp to the XXXX XXXX account I have linked to the my CashApp. I was not able to and couldn't figure out why I was not able to like the countless times I've done it in the past. Not knowing what else to do I deleted the first CashApp account entitled $ XXXX and replaced it with a new CashApp account entitled $ XXXX. 
XXXX Called CashApp customer service and spoke with 2 different representatives. After staying on the phone for close to an hour and giving all information they requested- Legal name, DOB , phone number, email address, last 3 digits of the XXXX XXXX account and last 4 digits of my SS, the end result was the same. Each time the customer service representative replied : " I am sorry but I am not authorized to make the transfer due to security reasons. '' I told both reps I would be happy to answer any other security questions and they did not respond. I then requested to speak with a supervisor and both times I was told : " There are no supervisors to speak with currently, but I will escalate this to that level and a supervisor will contact you via email. '' As of present, no emails received from a supervisor. 
XXXX Called CashApp again in hopes of resolving the issue and the same response was given to me. " No authorization to make this transfer due to security regulations ''. " No supervisor available and a supervisor will contact you via email ''. Still no email from a supervisor.
Product: Mortgage

Hello My name is XXXX XXXX, I [ me and my wife ] received a FHA mortgage and it wound up in the hands of Wells Fargo XXXX Al. Although we have made regular payments for the last 10 years and paid down to 80 % of the original appraised price. 
I called and requested the mortgage insurance be removed, I was denied and told I could request again at 78 %. Why is this? I have NEVER been foreclosed on, I have a good credit score, and we make good salary. Why should I be forced to continue to pay this insurance to the ones who own the loan and set the appraisal. I was told by letter, after I had spoken with them on the phone the PMI could not come off until 78 %. 
Was told I could send {$1500.00} applied to principal would get to 78 %. But it could not be removed until 78 %.
Product: Vehicle loan or lease

I have an auto loan through XXXX XXXX ( Bank XXXX ) which was recently bought out. The " new '' bank, XXXX XXXX XXXX ( Bank XXXX ) who I was referred to by " Bank XXXX '' is advising they have no records of my account and do not own it. I was current on my loan prior to this debacle and have withheld making future payments in fear of being scammed. I was current on my loan up to XX/XX/2018. 

As of Friday XX/XX/2018 an unknown party, American Credit Acceptance ( Bank XXXX ), has started reaching out to me by phone and mail demanding payment for the loan and threatening repossession. In addition to demanding the money they have also sent a letter stating they have retained a collection agency for assistance in recovery of the vehicle on the basis I'm in violation of the loan terms because they do not have any of my auto insurance information ; which sounds like they are phishing for information they should already have if they were the account owner ( another fed flag ). This collection agency has began the a typical harassing behavior of debt collectors to myself and my referrals. I have asked for proof of debt/validation that they have the account and have not provided it, after advising I do not believe they are the account owners. I have requested proof of debt/validation and they have not supplied it which is a red flag. 

I reached out to " Bank XXXX '' Wednesday XX/XX/2018 being the originator of the loan, inquiring about " Bank XXXX '' and they have no knowledge of this company. In due diligence trying to dig into this, " Bank XXXX '' advised on a phone call Wednesday XX/XX/2018 they mailed an advisory letter sometime in XX/XX/2018 which I never received. I asked for a copy and they advised they could only provide a blank template of the letter sent to the customers ( which I requested and still have not received ). I contacted " Bank XXXX '' Thursday XX/XX/2018 when I was told they have no record of the debt. I contacted " Bank XXXX '' Friday XX/XX/2018 and Thursday XX/XX/2018 and requested proof be sent to me ( which I have still not received ). The lack of information being provided to me are red flags. 

My Credit report which I pulled on Thursday XX/XX/2018 shows " Bank XXXX '' as having the account but the debt is paid in full. Why has this not been updated to reflect the new account owner of my loan? ... which is another red flag.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and identity fraud. After viewing my credit report, I recognized the inquiries on my report that I did not authorize. 

Creditor : OneMain Inquiry date : XX/XX/XXXX Inquiry date : XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds is impossible and that tracking these transactions is unfeasible. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety and protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account because I noticed it was on my credit report and I did not authorize this account. To dispute this account, I mailed a dispute letter, a copy of my FTC report for identity theft, a copy of my police report for fraud/impersonation/identity theft, 3 forms of personal identification ( copies of my driver 's license, my social security card, and one of my recent bank statements from the past 3 months ) along with a copy of the page of my credit report ( s ) on which the account was listed, in an envelope sent to the creditor of the account and I also put copies of the same documents in envelopes sent to all three credit bureaus ( XXXX, XXXX, and XXXX XXXX via USPS certified mail with return receipt, this was more than 60 days ago. The creditor and the credit bureaus have not mailed me a notarized contract with my signature on it within their 30-day allotted timeframe allowed by the FCRA ( Fair Credit Reporting Act ) to validate the account, and thus the account must be immediately deemed invalid, fraudulent, and not my liability, and it is hereby illegal for the credit bureaus and creditors to report this account on my credit report because the account was not validated within the required 30-day timeframe, and so the solution to my complaint is for the credit bureaus and for the creditor to immediately delete this account from my credit report. If the creditors and credit bureaus do not do this, I have the power and the evidence to sue them and win {$10000.00} due to the illegal credit reporting acts that they have committed which continue to harm my credit worthiness and access to financial wealth-building opportunities such as loans for real estate purchases. 

The account was already charged off as well so the creditor does not even have the right to report information about this account since they charged off the account to a collections company. 

The information for this account listed on my credit report is : CREDITOR : XXXX, ACCOUNT XXXX, OPENED XX/XX/2019, BALANCE OF {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

ACIMA XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017
Product: Money transfer, virtual currency, or money service

When I first started using XXXX, it did not give warnings or disclosures
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX mortgage loan, was transferred to Carrington mortgage company. Both companies are reporting incorrect information on credit reports. XXXX  XXXX XXXX was not sent to collections, it was Covid forbearance and then they transferred our loan to Carrington. Carrington is reporting late payments, when again our loan was in Covid Forbearance and then when we tried to make payments when told we'd have foreclosure process started on us.. Carrington had not updated their own system, so we had no account number for them to take payments. Our XXXX  loan was still considered the payment company and put our payments in a escrow account, until Carrington had completed the transfer of title. We never had any real late payments, yet are being charged fees, reporting of collections and late payments on all 3 credit score reports.