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

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was denied credit ( a credit card ) by a bank. The bank cited " high debt '' on my Transunion credit report. This was very disturbing, as I have zero debt. 
I called TransUnion@XXXX. The automated service hung up on me several times and I was unable to speak to a live associate. 
I then logged into TransUnion.com. Their website does not make it possible to receive online a copy of my report due to a denial of credit. 
A Transunion associate " chatted '' with me, but refused to provide me immediate access to my credit report. -- They only agreed to snail-mail me my own report. 

The problem is as follows : the lender was granted immediate access to my report. its my data -- why am I ( or any consumer ) being told to " wait for snail-mail '' to receive our reports? -- After all, its OUR data. Further more, reports sent via snail-mail are less secure, and could be subject to being mis-delivered, exposing me to potential credit fraud if someone were to receive my physical credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that there is 100 % improper use of the credit report! Attached to the SSN! XXXX, XXXX, AND EXPERIAN HAVE 1000 % VIOLATED THE FCRA AND I AM HIGHLY XXXX ABOUT THIS! I looked over the credit report and there are some addresses that appear incorrect. Not only did I find addresses, BUT I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT, INCLUDING ACCOUNTS I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I have included documentation providing proof of my current address, social security card, passport, drivers license and insurance card. 
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY BEFORE A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED ON A CONSUMERS CREDIT REPORT. AND THE INFORMATION ON THE XXXX, XXXX AND EXPERIAN credit report is not accurate and ITS COMPLETE XXXX! Ive spoken to a lawyer and he tells me that I COULD EASILY take this to COURT and fine XXXX, XXXX AND EXPERIAN {$1000.00} per VIOLATION ( and there are MANY VIOLATIONS )! I DEMAND YOU, XXXX, XXXX AND EXPERIAN TO REMOVE ALL THESE FRAUDULENT, INACCURATE ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT TAKEN OFF OF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS LEFT ON THE CREDIT REPORT. 
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS, THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUIT LIST : XXXX, XXXX, EXPERIAN 15 USC 1681 SECTION 602 A states I have a Right to Privacy!

15 usc 1681 SECTION 604 A SECTION 2 also states a Consumer Reporting Agency Can not Furnish an Account WITHOUT My Written Instructions!!! 
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!! 

TO MAKE THE DELETION PROCESS EASIER, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP AND FRAUDULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP : ACCT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX XXXX XXXX, XXXX, EXPERIAN XXXX XXXX XXXX XXXX, XXXX, EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

The following letter was signed and mailed to Americollect regarding debt validation in XXXXXXXX XXXX XXXX : XX/XX/ Re : Reference XXXX To Whom it May Concern, I am writing today to request validation of the alleged debt regarding XXXX XXXX XXXX XXXX XXXX in the amount of {$2000.00}. I would like a thorough and complete explanation as to the validity of the debt along with a complete guide to all billing codes and test results, since none were ever given to me. 
In addition, I am requesting that I receive validation of this debt within 30 days of the receipt of this letter. 

Thank you in advance, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX NM XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are actually several problems. I have inaccurate personal data showing up on my report as well as a collection that I have asked to be removed, even having provided a letter from the creditor asking for the collection to be removed and it is still there, and several inquiries that were fraudulently placed without my asking. I have provided the documentation several times but the information never gets corrected.
Product: Mortgage

I was on a forbearance with Flagstar mortgage company due to COVID. In XX/XX/2021 I requested to discontinue forbearance and began paying mortgage payments. I have been waiting since XXXX for the completion of the Deferral process. After numerous, weekly phone calls and hours of time on hold, I have been promised that it would be completed and I would receive a phone call back. It is now almost 6 months and the Deferral is not complete and I seem to get more unmet promises. I have not been able to complete other business and mortgage refinances due to this incomplete Deferral. I am tired of hearing that " this will be escalated to our team '' and NOTHING happens.
Product: Debt collection

I am writing on the advice of XXXX XXXX, XXXX State Attorney General. I was contacted by XXXX XXXX XXXX.. XX/XX/XXXX. They collected money on my credit card for magazines for 3-4 months. They called me as well as me calling them to cancel the subscriptions but said it was too late. I canceled my credit card so they could not withdraw anymore money. Now XX/XX/XXXX I have received a total of XXXX letters from Interstate Recovery Services at XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX stating that they are trying to recover XXXX debts for the amounts of {$39.00} and {$590.00}. I also paid Subscribers Services a total of {$320.00} for a one year subscription fro XXXX magazines. I do n't know if these XXXX businesses are related. 
I have sent my documents to XXXX XXXX and forgot to keep copies for me. She should have them in my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX I was alerted by Equifax my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any account that was 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 information relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance : {$74.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$62.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX XXXX : {$72.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company as well as the other company side with credit card company and believe anything the card company tell them over the real truth. Credit card that was issued by XXXX XXXX card was duplicated and many charges made, however despite many attempt XXXX, trans union and XXXX   report whatever the Credit  card company tell them and this is not fair. I plan to start a law suit against the there company and XXXX XXXX XXXX if they dont removed the negative information about being late on payment. I stop making payment because those charges are not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting multiple companies I do not own accounts with and never have. I have sent multiple disputes and ask them to show proof and owner ship of the accounts. They never did anything I asked of them to do. I sent them numerous disputes. 

These reports are all incorrect and inaccurate. None of it make sense. 



XXXX XXXX POTENTIALLY NEGATIVE Balance {$320.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$7300.00} Balance updated XX/XX/XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$720.00} Balance updated XXXX XXXX, XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$87.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX 
POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX US DEPARTMENT OF XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX DEPARTMENT OF EDU POTENTIALLY NEGATIVE Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX Original creditor XXXX XXXX Balance {$3300.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX  LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX 2019
Product: Credit reporting or other personal consumer reports

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts # CITI CARDS CBNA XXXX are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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

I have a few student loans that report to all three bureaus but most of them are over 8 years since they were last reported. The last reported date is incorrect and I've asked for it to be fixed. Knowing that these accounts are more then 7 years old these accounts should be removed from each of the credit bureaus. I've contacted them and have had no response in 60 days. This hurts me and I hope this is the last time I have to address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been actively trying to fix my credit for quite a few months now. It has been brought up on all 3 of my credit reports ( XXXX, XXXX  and XXXX  ). I have sent letters to the credit bureaus about the incorrect information in which they responded that my dispute was denied. I have filed a police report with my local Police Department as it is identity theft and I am now currently contacting each creditor to have the false information corrected on my credit reports, I was given the advice to file a complaint and will be sending a copy of complaint to each creditor as well.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX Date of Birth : Date of Birth : XX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX
Product: Mortgage

In XXXX XXXX 2017 I applied for a modification of my mortgage with XXXX XXXX XXXX XXXX. I retained the services of an attorney to assist me. My attorney 's office attempted on several occasions to contact my mortgage servicer but was repeatedly told that there was no modification department and that they had to contact the original mortgage originator ( the person ). Ultimately, my attorney 's office sent a complete modification request package with a standard RMA, Income Verification, Bank Statements, and a Reason for my Hardship. This request package was faxed and emailed twice, only to be returned without explanation. 

My complaint centers around the fact that mortgage servicers, such as XXXX XXXX, are by law supposed to have accessible mortgage assistance programs and policies in place so that consumers may access them in times of hardship. A review of XXXX XXXX 's web-site shows that there is nothing available that can be found to direct consumers on how to go about applying for loss mitigation assistance. 

I am sure I am not the only mortgagor who has run into this road block and I believe that this type of stonewalling consumers to prevent them access to mortgage assistance programs that should be made available can only be resolved by seeking the assistance of the Consumer Financial Protection Bureau.
Product: Mortgage

US Bank is offering lower interest rates then current market rates to borrowers purchasing homes with preferred builders. They are giving higher rates to borrowers that dont purchase with their preferred builder relationships, not to mention they offer closing cost credit to borrowers who are NOT current customers if they open a checking and savings account. They do not offer these same credits to customers that currently hold accounts with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please reverse the late payments which Experian credit report on XXXX XXXX, XXXX XXXX XXXX. I was not late paying the account. This is current. I disputed the accounts and ask for evidence of such late payment but all they gave me was a computer generated print out which is unacceptable by the FTC. An itemized printout does not represent verification..Remove this error from my credit report
Product: Money transfer, virtual currency, or money service

Im filing this complaint against cash app do to inadequate customer service and unfair practices which violates the CFPB. Specifically Cash App failed to take timely and effective to prevent and address fraud issues on there platform leaving my account vulnerable and unprotected. They never corrected there mistakes
Product: Money transfer, virtual currency, or money service

My name is XXXX. 

coinbase entered my account and stole XXXX euros, transferred them to XXXX without my permission. This money was mine and I had it in ETH2. I have sent them more than 100 emails and they say that this money did not exist, that it was a decimal error. In truth, that money was mine and I had converted to several cryptos. I have proof of its theft and of the conversions to different virtual currencies.
Product: Credit reporting or other personal consumer reports

I called the credit reporting agencies. I have contacted your offices to dispute and emphasize that the inquiries and accounts appearing on my consumer report are unauthorized and were reported without my permission or consent. I wish to underscore that this situation falls under the category of Aggravated Identity Theft, as defined by 18 U.S. Code 1028A. Your immediate attention to rectify this matter in compliance with legal requirements is appreciated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It currently shows that I owe an alleged debt with XXXX. I have no idea who these debt collectors are. There has been no provision of an original contract or binding agreement complete with signature between myself and the alleged debt collector. On a report of credit that is connected to me, it shows that DEPTEDXXXX aka XXXX, has an account connected to my personal information that is open and current. That is misleading, misguided and an inaccurate. It is an egregious abuse of misinformation, and a theft of identity as they have my personal information without my permission or consent. It is a gross misconduct and abuse of the practices as a debt collector and should not be tolerated under the understanding and guidance of the Consumers Privacy Act, Fair Debt Collections Practices Act, and Fair Credit Reporting Act. This also shows that before allowing misinformation and inaccuracies to be allowed on a report of credit connected to me that all credit reporting agencies and bureaus did not investigate properly before allowing these negatives remarks and balances to be placed on said report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection account was removed from my credit report from XXXX XXXX XXXX. My credit score only increase by 5 points. My credit score should have increased by at least 23 points.
Product: Money transfer, virtual currency, or money service

Attachments are part of : XXXX, XXXX, XXXX, XXXX. ALL OF THESE CASES WERE RESPONDED TO BUT NO MONEY EVERY GOT TO ME. CASHAPP LIED TO YOU AND ME IN THEIR REPSONSE. MY BANK CONFIRMED THAT THEY NEVER EVEN ATTEMPTED TO REFUND MY ACCOUNT. I AM DEMANDING A CHECK FROM CASHAPP AS THEY PROMISED ME THE MONEY. DO NOT CLOSE THIS AS A DUPLICATE. 


I was scammed by a person online for several transactions that total {$6200.00} through Cashapp in XXXX and XXXX of XXXX. Cashapp ruled in my favor that these were fraudulent and on XX/XX/XXXX and promised to refund them on XX/XX/XXXX. ( I have attached the communication from cashapp disputes promising the money within XXXX business days credited back to my ( Now Closed, yet the checking account is still open ) debit card ending in XXXX. The money never showed. I reached out to cashapp support via email phone and chat. I have provided files that show these interactions. The only answer I get from Cashapp support is that cashapp shows that they refunded me the money on their end. I never get a different answer or another way to get the money refunded back to me. They only say that they refunded me and hang up on me or stop communicating. Via email, they no longer communicate with me. I asked for them to send a check instead and they do not answer me. I am being ignored. I reached out to my bank ( XXXX ) and they escalated the issue and researched. They found no pending refunds of any kind posted to any of my cards ( Active and Inactive ) or accounts. They said no attempt to refund me was made by Cashapp at all. ( I have provided a letter from XXXX stating such. Cashapp refuses to attempt the refund again or get me my money in another way. I was advised to inform cashapp of what XXXX found and XXXX XXXX  advised me to come to this site to try and get my refund from cashapp. Cashapp denied my complaint with lies. My bank provided proof that they did not receive any refund yet cash app came back from a previous dispute saying they refunded me without proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX I experienced a life changing event that put me in a position unknown and scary. I had to figure out how to provide for myself and family on my own so I got credit reports from all 3 bureau. I was devastated. I had looked at all 3 scores in XX/XX/XXXX and my score was a XXXX. Anyway, I called all 3 and tried to update the information and get incorrect information removed. There are 2 social security numbers on one report and a mans name. I sent out letters to all 3 disputing information and asking for validation. 
One account XXXX XXXX XXXX opened a file on XXXX XXXX from XXXX XXXX XXXX one balance is XXXX and the balance they say I owe is XXXX. I am going to include 3 more accounts from XXXX XXXX XXXX showing two balances. # 3 XXXX XXXX XXXX XXXX XXXX one balance XXXX XXXX XXXX # 2 XXXX XXXX XXXX XX/XX/XXXX one XXXX one XXXX lastly XXXX XXXX XXXX XX/XX/XXXX one XXXX one XXXX. I have never signed anything stating they could add fines, fees, penalties. I thought that was incorrect policy according to the FCRA. 
Now I have 25 hard credit pulls to date. I am trying to fix my credit not take on more than I can afford. I never authorized those. All of this has been devastating. I started my own business on XX/XX/XXXX and have no way to fund it or move forward because of the lack of responsibility to MY CREDIT REPORT.
Product: Debt collection

I have notify this collection agency that the debt in question was manufactured my the original creditor and that I am not responsible for the charges. That if they have a case, they should go to court. They would not go to court, but keep on calling me about a debt which I have disputed and have asked them to keep all communications in writing. They went ahead to report this debt to credit agency even though the account remain disputed