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

XXXX  -- I have submitted several letters or XXXX  in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. XXXX  refused to update that my report, simply stating they don't have to reinvestigate a dispute they already investigated. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX  account. The original XXXX account WAS removed by XXXX, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 

This is the third complaint Ive submitted against them. They remove the things only after I submit a complaint. Even after sending in both mailed copied of price report and uploaded online. This has now cost me the ability to refinance my house. 

Equifax -- I have submitted several letters or Equifax in regards to incorrect accounts on my credit report. Some due to fraud, some due to just wrong information. I have also submitted police reports and Letters from the creditors on 4 separate occasions. Equifax refused to update that my report. 

XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided. 

XXXX XXXX not my account. Result of identity theft from someone who opened an account. Police report provided. 

XXXX XXXX -- not my account. Result of identity theft from someone who opened a XXXX account. The original XXXX account WAS removed by XXXX, but for some reason they refuse to remove this one. Police report provided. 

XXXX - two accounts. One is not mine, its my spouses. ( {$4000.00} balance showing paid ) and the other is fraud ( {$9500.00} balance ). Both are on police report as well. 


XXXX  -- XXXX XXXX -- Never late - current Auto loan. Letter from creditor provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. THIS ACCOUNT IS NOT MINE. ITS A FRAUD! 

I think somebody used my personal information and managed this item. I am simply identity theft victim. I am very sad and stressed out. Please help me and remove this item after you investigate.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zell 's 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 my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX and Equifax twice to dispute old credit information on my credit report, including things that are 8 years old and the state the credit was acquire in only allows that information to be reported for 6 years, but yet XXXX will not remove it from my credit file. There are closed accounts from XX/XX/XXXX-XX/XX/XXXX, they will not remove, no matter how many times I dispute them. I have several fraudulent inquiries that I have reported to them as well, I even have fraud alert on my account and they still will not help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a bankruptcy was filed under my name and resolved XX/XX/year>. I was incarcerated at the time and did not consent to anyone filing this proceeding. I am requesting that this public record be removed immediately as it violates my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts listed on my Experian credit report are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX, {$14000.00}, XXXX XXXX XXXX, {$3400.00}, XXXX XXXX  XXXX XXXX, {$30000.00}, XXXX XXXX XXXX, {$500.00}, XXXX XXXX  XXXX XXXX, {$1800.00}. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX XXXX XXXX, XX/XX/2020
Product: Debt collection

Noticed charge on report, called & requested validation.. company didnt send me anything except a page with my name on it & the amount owed no, signatures or anything
Product: Debt collection

On XX/XX/2021, I sent Collection Bureau Hudson Valley a debt validation letter in regards to an XXXX bill that they claim I allegedly owe. On XX/XX/2021 they sent to me by mail a copy of the bill from their client, XXXX XXXX, which under the Fair Debt Collection Practices Act 15 USC 1692g, is not the five ( 5 ) items that Congress says a debt collector must provide to me ( the consumer ). On XX/XX/2021 I sent a request to the credit reporting agencies XXXX  and XXXX  to have this account removed from my consumer report but the credit reporting agencies responded saying that Collection Bureau Hudson Valley certified that the information is accurate so the account will remain on my report. On XX/XX/2021 Collection Bureau Hudson Valley responded to my CFPB complaint and noted that they will request to have this account removed from my report within 30 days. 30 days later on XX/XX/2021, the account is still on my report and they are certify to the credit reporting agencies that this account is accurate.
Product: Debt collection

This company is threatening me to treat me as a nuisance. 

I tried communication and they are just ignoring everything that I am requesting. 

it is REASONABLE to request exactly WHAT I am being charged for. 

Look - you put money collections WITHOUT letting me know that I had balance due. 

And when I request exactly what the charges are- YOU REFUSE to tell me. 

How does this make sense? 

I request records showing and proving exactly what I did to incur damage and prove that I am responsible. The burden of proof is on YOU.
Product: Debt collection

I took out a payday loan. Its called XXXX through Fifth Third Bank. It was for {$1000.00}. Everytime you get paid they take the XXXX back plus their fee. I had a family crisis with my oldest daughter. She was XXXX. I skipped 1 or 2 payments. They closed down the XXXX account and the very next paycheck I got they took over {$600.00} out of my account. It was actually on XXXX when they did that. I called them because I never received any notice or anything in writing about this. I never got a phone call or email. The very paycheck that they took from was the paycheck I planned on paying them with. I never had a chance with them and now right before the holidays my account took a huge hit and Im worried about feeding my children. Feel violated and everytime I call they are rude or say theres nothing they can do.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/2024, 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 [ XXXX XXXXXXXX ] are not complete and accurate. 

[ XXXX XXXXXXXX ] open date is not reporting correctly, date last active, date of last payment is not correct, this account is not accurate.
Product: Credit reporting or other personal consumer reports

The List of inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 

I looked at my TransUnion credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general, after any re-investigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the re-investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion is reporting income to consumer 's report. The IRS has accepted this as reported income and 1099C cancellation of debt by XXXX XXXX XXXX account number # XXXX was received from IRS. Transunion is inaccurate reporting income a certificate of indebtedness to my consumer report. I have attached my personal identifying information such driver 's license and utilities bill. XXXX XXXX XXXX XXXX # last four digits # XXXX XXXX XXXX XXXX XXXX KY XXXX I am not a third party or credit. Reporting income is not accurate ( b ) Accuracy of report 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. 
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Product: Mortgage

In 2006 I refinance my home with OCWEN Loan Servicing phone # XXXX XXXX & XXXX XXXX XXXX XXXX. I was put in Differed Interest Loan which I later found out by my son. I tried to dispute my case on several occasion which fell on XXXX XXXX. I have never missed a payment since 2006 and I am now trying to refinance my home and I ca n't closed because of the predatory loan the subjected me in, I made a complaint to the Florida Attorney Generals Office ( XXXX XXXX ) regarding this faulty loan. I am XXXX years old & my wife is XXXX. I have my son as power of attorney to answer any questions you may need regarding this important matter. My wife and I worried at nights that we are going to loose our home that we work so hard keep. My son 's name is XXXX XXXX contact information is ( XXXX ) XXXX XXXX email : XXXX. 

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

a company i am not familiar with, XXXX, who has just got sued by 38 states, has me listed as negative in my credit report. when i write them and ask to validate, they send me back a letter saying it has been verified, 2 different things. the credit bureaus are nothing but rubber stamps for these lenders as they send me the same garbage saying that it has been verified, instead of sending me documentation it has been validated
Product: Debt collection

This is a follow-up from my original complaint # XXXX. The third-party debt collector, ( " Snow & Sauerteig, LLP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ), had signed a contract with the original debtor, " XXXX XXXX XXXX XXXX '' to transfer collection of this debt after I had notified them within 30 days with a cease & desist letter explaining my rights under the Fair Debt Collection Practices Act. The debt is for a hospital bill from XXXX  that I have made continuous monthly payment on since XXXX. The contract attached our home as an asset and was done without my knowledge or consent. This third party has since filed a civil lawsuit attempting to collect prejudgment interest since XXXX  along with a stated amount that does NOT reflect my monthly payments made. They have violated my rights under federal law.
Product: Credit reporting or other personal consumer reports

Ive noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX - Account XXXX XXXX  - Account XXXX XXXX XXXX  - Account Number : XXXX XXXX  - Account XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance went and pulled my credit... .two times... 

XX/XX/XXXX and the XXXX... 

I asked the car dealership to stop the transaction... 

Because I has purchased a vehicle with cash... 

I did not need my credit pulled... 

They ( XXXX XXXX - XXXX Ga ) did it anyways... .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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

I have contacted EXPERIAN numerous times. Experian has XXXX bankruptcy accounts listed on my credit report, but I don't have a bankruptcy. 


Credit cards and credit lines XXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXX 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Discharged through XXXX XXXX XXXXXXXXNever late. 
XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status XXXX through XXXX XXXX XXXX/Never late. 
XXXX  In good standing
Product: Mortgage

Mr. Cooper has done numerous things with my escrow account to basically steal money out of it w/o merit then increase my shortage amount to very high amounts. I was able to resolve several of the issues after months of formal complaints and letters form legal counsel threatening of lawsuits but there is still one major issue they refuse to address and just lie about week over week and month over month. 

Mr. Cooper took out {$7700.00} from my escrow w/o checking with me on amount and paid to the county for taxes. I don't know how they came up with that number as the amount owed to the county was always {$7200.00}, which is what the county always had. Mr. Cooper came up with this figure erroneously. I immediately flagged this to them last XXXX when it happened and as you can see after 20+ attempts to be resolved they refuse to give back the money. I have been told its being worked on, its been submitted, its been this and that- all XXXX Other then feeling robbed by this evil company my mortgage payment has gone up over the past 6 months bc of their error as I have had a shortage in my escrow fund- 0 fault of mine and 100 % of this company. 

This is totally unacceptable and hoping not only to have my situation resolved by that a very thorough audit is done against this corrupt company.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX My information from XXXX XXXX XXXX XXXX XXXX was part of a data security incident in which sensitive personal information was accessed by an unauthorized third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/20, Amount XXXX, I have sent disputes to this company several times, and they are still holding inaccurate information on my reports. 

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.

15 U.S.C 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax regarding their failure to address fraudulent accounts on my credit report despite my documented identity theft status as a victim of the Equifax data breach. 

I have provided screenshots from the Equifax breach victim determination website as proof of my breach status. My personal information has been used to open the following fraudulent accounts without my authorization : DEPTEDNELNET : XXXX DEPTEDNELNET : XXXX DEPTEDNELNET : XXXX DEPTEDNELNET : XXXX DEPTEDNELNET : XXXX DEPTEDNELNET : XXXX DEPTEDNELNET : XXXXXXXX XXXX XXXX XXXX : XXXX I previously filed disputes with Equifax, but they failed to remove these accounts or provide adequate evidence of their investigation process and verification of account ownership. Under the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( 15 U.S.C. 1681i ), I am entitled to a reasonable investigation of disputed information and prompt correction or deletion of unverifiable or inaccurate data. 

XXXX failure to properly investigate and resolve this matter violates my rights under the FCRA. I respectfully request the CFPBs assistance in ensuring Equifax removes these fraudulent accounts from my credit report immediately. 

Thank you for your time and attention to this matter.