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

I filed a dispute with Experian and your office both because they are reporting an account from XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX for an old ( Over 7 yrs old account ), so breaking the FCRA and also because the account is being reported incorrectly, the bank made me make full interest payments of {$160.00} plus late fees of XXXX XXXX monthly for every month I was late due to job layoff during the last great recession in 2010, told me to do so as it would keep me from losing my car and from my payments showing as late and then did not report these monthly payments at all making it look like I paid nothing to them each month when the interest payment and late fee was only a few dollars short of my actual payment!!!! They also then put a balloon payment on my account and so charged me double interest!! I want all documents and proof of payments from beginning to end on this loan sent to you, myself, and the Federal Reserve Bank. I am also sending a copy of this to XXXX XXXX. I want this account removed from all three of my credit reports, it is reporting past the 7 yrs time period, also I was never notified of the results and it shows the completed the investigation at the beginning of XXXX AND all has been reported incorrectly for seven years so I want them to not only remove it but all reporting agencies to send corrected copies of my credit report to all who I have applied for credit with during that time period. I also filed this most recent complaint due to this bank continuing to report this account as open and active after it was paid and full and closed at my request years ago, another creditor told me they are doing this that I applied with and I provided this information to you, yet the bank is telling Experian and Experian is responding to me about my complaint that all is correct per the bank and won't fix it!!!! FIX MY XXXX REPORTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX!! As I said I am reporting all today to the XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I sent another dispute letter to the Credit Reporting Agencies requesting that the disputed accounts which I believe to be reporting inaccurate and erroneous information on my Credit File be immediately removed and or corrected within the time allowed by law. In accordance with the Fair Credit Reporting Act section 1681i, any accounts and information must be corrected and or removed within 30 days after the date of receipt of dispute. I have been disputing the disputed accounts for such a long time and it is clear that the Credit bureaus have been adamant in ignoring all my requests. Under the Fair Credit Reporting Act, I am submitting this CFPB Complaint to request to the Credit Bureaus once again to correct or remove the following accounts as soon as possible. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The disputed accounts which are reporting misleading information on my Credit File must be corrected by updating the accounts ' status or completely removing the disputed accounts off of my Credit File as soon as possible.
Product: Credit reporting or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediately re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX XXXX WITH A REPORTING BALANCE OF {$430.00}. ) in accordance with the fair credit reporting act, public law 91-506, tittle VI, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. This is the item I demanding to be deleted immediately : Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

I called XXXX XXXX to cancel my policy as I had XXXX. He never picked up and his voicemail was always full. I called the headquarters who advised only my agent could cancel. A week later i called and my case was expedited. I was assured they would reach out to agent to cancel. The agent cancelled my policy effective XX/XX/2015. Mind you, I'd had XXXX a whole month. I had to suspend payment with XXXX to make sure they could not withdraw funds from my account. 
I got a letter from Credit Collection Services trying to collect on a debt of {$110.00} from XXXX. I have requested a debt verification with dates and how a balance of {$110.00} was incurred. I have yet to hear back from them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, inc. ) due to an in adequate 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 Electric Fraud Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and I see appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has 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 a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items 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. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$670.00} ; XXXX XXXX XXXXXXXX Balance : {$770.00} ; XXXX XXXXXXXX XXXX Balance : {$1300.00} ; XXXX XXXXXXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX Balance : {$690.00} XXXX XXXX XX/XX/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

I submitted to XXXX XXXXXXXX XXXX a filled Direct Deposit form for my employment payroll the XXXX an officer signed the form as shown attached then serviced the form to Discover Bank, the bank then returned the form to me XXXX XXXX in the postage XXXX attached. I already submitted a complaint over this and am very unhappy upset with closed and my funds not accessible in my bank account at Discover Bank XXXX XXXX XXXX account number is attached or in this complaint. The complaint already submitted to the consumer financial protection bureau is complaint number XXXX. I attached the evidence as well as my pay dates. XXXX suspended senator orders will not permit my military payroll to be stopped even if the positions are taken. The XXXX signed the form and updated the direct deposit the bank returned the form, i am not receiving any of the payroll to the extent i am forced to be on XXXX because i can not eat without it and i am XXXX XXXX with assignments and still working. Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am disappointed to inform you that despite sending a dispute letter in XXXX, I have not received any response from the bureau. I have attached a copy of the letter as proof of my attempt to initiate communication. I kindly request your prompt attention to this matter and a thorough investigation into the issues raised in my initial dispute.
Product: Student loan

Potentially Predatory Activity By Student Loan Servicer AES : Servicer ( American Education Services ) without authorization, application, request, or inquiry, put current and performing loan into a one-month forbearance status. I in no way want, need, or desire a forbearance. I spoke with customer service and only inquired about the qualifications of my direct subsidized loan for a current forgiveness program. I did not provide any financial information nor make any representation about my finances. Several days later, I was notified that my loan status had changed to Forbearance. Once notified of the forbearance, I immediately contacted AES to inquire as to the reason for the forbearance and requested the removal of the forbearance from my loan. I was told the reason for the forbearance was that I had clicked a " Learn More '' link in an AES email about XXXX and government forgiveness. The link led to an AES informational page. I entered no data into the website, nor did I log in to the site. This explanation seems preposterous and, if true, deceptive and predatory. As you are aware, forbearance status can lead to increased interest payments over the life of the loan and be impactful to borrowers future financial prospects as well as disqualifying them from forgiveness plans. If the email link explanation is not true, the AES representative decided on his own to place my loan in forbearance, I believe, to disadvantage me with the very forgiveness program I was inquiring about. That would be equally deceitful, unfair, and predatory. Please be alert after you engage with AES customer service or electronic mail.
Product: Credit reporting or other personal consumer reports

I have been trying to report negative remarks which I have been up to date. I need help removing these. I have spoke to each credit bureau and no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th Complaint informing the Credit Bureaus that I was a victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ), the Credit Bureaus are required to remove any account and information which 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. Pursuant of the FCRA section 605b, I am requesting that the Credit Bureaus remove the following disputed items completely from my Credit Report : XXXXXXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXXXXXX XXXX AV XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$86000.00}
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding inaccuracies on my credit report. Upon a recent review, I discovered late payments incorrectly listed on my accounts. I kindly request your prompt assistance in correcting or removing this information from my credit report. Maintaining an accurate credit history is crucial, and the reported late payments do not accurately reflect my financial responsibility. This discrepancy is due to an error and seek your immediate intervention to rectify it. Moreover, other credit bureaus have already corrected the status of the accounts stated above .Also, I contact the companies thru a phone call and they said to fix this. 


XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wells Fargo Allowed an employee to steal my social security number, account number, and address. in addition, Wells Fargo issued me an XXXX XXXXXXXX device designed to generate codes to enable monetary transactions. I never received this device and have repeatedly asked Wells Fargo to disable it, which they have failed to do. Wells Fargo has now put all of the necessary information to commit identify fraud and steal money from me in the hands of Strangers. Yet, when this happened, when a fraudulent wire transfer of {$20000.00} was made from my Account, and a fraudulent XXXX transfer was made from my account, they refused to acknowledge any possible fault in this fraud. Wells Fargo insisted I authorized the transactions ( I did not ). they refused to give me information about whom the money was transferred so I could file a criminal report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I attempted to make a car loan through my local credit union. They pulled my Equifax report, and it showed my brothers information instead. He has the same first and last name for reference. I checked my personal report from Equifax using my social/DOB/address and, sure enough, my brothers report came back. When I called Equifax, I was told that they could not confirm my identity and I would have to fax in all my personal documentation ( e.g. SS card, drivers license ) and estimated a minimum of 5 business days before acting on it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX IL, XXXX DOB XXXX SS XXXX I have a few addresses that are not correctly showing on my credit file that needs to be updated. My only address isXXXX XXXX XXXX XXXX IL, XXXX. PLEASE DELETE THE FOLLOWING ADDRESSESXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX, XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union XXXX XXXX  is reporting incorrect information, XXXX XXXX XXXX is reporting a XXXX loan that was included in a bankruptcy, they are reporting the debt affirmation just filed XXXX XXXX never know what affirmation was I called XXXX and turn in the vehicle but its still active on credit report. Turn in date XX/XX/2022 2022
Product: Credit card

Dear, XXXX XXXX XXXX XXXX XXXX veteran, on XX/XX/year> I got text about confirmed reservation from booking.com upon checking the link It was hotel reservations I didnt make reservations so I cancelled It and called booking.com I was told XXXX made the reservation I have daughter Registered XXXX daughter name XXXX too I called my daughter she told me Dad I didNIT make the reservation and she DOE NOT have my credit also and she told me why I want go to XXXX XXXX XXXX I am working so I called booking again spoke with XXXX XXXX told them could you please listen to the conversation who made the reservation he told me we will email you my daughter is XXXX and never used any of my credit cards at same time I got called from XXXX if I XXXX {$400.00} they will forgive my balance I XXXX {$200.00} and supposed to XXXX another {$200.00} to find out It was spam because somebody tried to pay for my property insurance It seems somebody knew about my family, credit cards, address, birthday everything about me so I called the credit card to file dispute but I was told this is fraud so I went to the Sherriff dept and filed fraud report and gave the information fraud report to credit card too but credit card did not credit my account even though I canceled the reservation MY DAUGHTER did not know my credit card I have It in my possession
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I disputed the account XXXXXXXX XXXX XXXX XXXXXXXX as a result XXXX DELETED the account stating that the account was violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq and was removed from my XXXX and my XXXX. Equifax is still reporting this account on my credit report, and this is causing me hardship. This account has been deemed as violating my rights under the FCRA as a consumer, and I have disputed this account several times with Equifax they have removed this account and days later put the account back on my credit report. I have attached proof. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2
Product: Mortgage

I purchased my property in XX/XX/XXXX with a conventional mortgage with CMG Mortgage. The property taxes were due in XX/XX/XXXX. 

I learned from the XXXX XXXX on XX/XX/XXXX that the taxes had not been paid. I called CMG and as told by a representative that they had a record of my property 's tax being paid on XX/XX/XXXX. He said he would email me verification of this in " 24 business hours ''. I have no idea what that timeline is in real life, but I figured by XX/XX/XXXX that it certainly had been longer than that and called and spoke with another representative, She shared that she saw no records indicating a tax payment being made ever and that this was being referred to their tax department. 

I called again a week later, and still no one can tell me when they will pay the taxes, I ask for assurance in writing that I will not be responsible for penalties and interest on the late payment. I'm told that the tax department is handling this and I have nothing to worry about.

I have communicated with CMG three more times- by chat, by message center, and by phone. No one will assure me I will not be responsible for penalties and interest, no one will expedite my request to be removed from escrow, or speak with someone authorized to do that, my town treasurer has still not received the property taxes. 

CMG has lied to me, ignored me, and failed at the most basic of fiduciary responsibilities of a mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

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 XXXXXXXX
Product: Payday loan, title loan, or personal loan

This is my second complaint. I was told I would only be contacted and yet my family and friends have continued to receive harassing calls. At this point I will be contacting an attorney in regards to privacy and harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was repossessed and sold at auction. Therefore I no longer owe this debt. I also sent XXXX XXXX a validation of debt letter 30 days ago via certified Mail and they have yet to validate the debt
Product: Debt collection

I have contacted Collection Bureau of America via certified mail requesting validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if Collection Bureau of America can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the fraud alert removed. It 's okay now.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX # XXXX, Account XXXXXXXX XXXX DELAWARE # XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX # 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 FLORIDA # XXXX, XXXX XXXX XXXX FLORIDA # XXXX XXXX XXXX XXXX XXXX FLORIDA # XXXX has 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 a account without my written instructions