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

I have disputed the three major credit bureaus for a few items that each of the 3 are not being truthful about a different problem that has either been deleted or they have not redisputed the information reciting that they have disputed it before and that the information to dispute is frivolous and will not be investigated. File Number XXXX. The items specifically on Transunion are 1. XXXX XXXX. account # XXXX 2. XXXX XXXX account number XXXX. XXXX XXXX XXXX the other one was deleted I was a victim of identity theft. These accounts were opened fraudulently, they were deleted and now reappearing back on my report. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

There are bankruptcies on Transunion and XXXX  file in 2019 that they claim they got from XXXX XXXX, I have a copy of my XXXX XXXX report, Consumer Number XXXX which shows no bankruptcies, as well as a XXXX XXXX, report Consumer ID XXXX which has cleared any bankruptcies because of proven identity theft. 

3. XXXX XXXX ( XXXX ) account number XXXX was deleted from my credit report. It was a stolen credit card and was deleted now reappearing. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

4. XXXX XXXX XXXX. '' In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 

5. XXXX  XXXX balance is {$620.00} This account is mine but I have never been late. They have been charging me XXXX dollars per month stating Im late. My credit limit is {$40.00} dollars, and my payment is {$14.00} in which I pay {$20.00} per month on via my checking account. It should be paid in full by now, but instead the balance keeps going up. 
6. The XXXX. Account # XXXX I have never been late on this account. This is my son 's car and is being paid through XXXX they have never missed a payment. " In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ) they were required to notify me of the reinsertion in writing and failed to do so, this is a violation. 
7. XXXX XXXX XXXX was deleted from one bureau and is saying correct on the others how can that be. The same 5 day reinsetion applies. 
8. XXXX XXXX : Never had this account, was deleted and reinserted. 
9. XXXX XXXX. Never opened an account with this company or the company that sold it to them. It was deleted and reinserted with XXXX  only. Please make these companies redelete these items and keep them off
Product: Credit reporting or other personal consumer reports

my brother used my information a few years back to get a loan under my name, i found out and got it removed from my credit report, but now its back. I dont know why
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

under 15 U.S.C 1666 B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding an issue with a reinsertion of the XXXX XXXX account on my credit report by EXPERIAN. I initially disputed this account, and it was successfully removed. However, on reviewing my credit report yesterday, I discovered that the account had been reinserted without any notification, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i ( a ) ( 5 ) ( B ), which mandates that I should have been notified in writing within five business days of the reinsertion.

This lack of compliance has caused unnecessary harm, impacting my credit standing and trust in the reporting process. I request the CFPB to intervene to ensure that this account is permanently removed from my report and that the bureau adheres strictly to notification requirements for any future changes. I also ask for appropriate oversight measures to prevent further violations of the FCRA.
Product: Debt collection

Creditor makes repeated calls to my cell phone number without my consent to contact me at cell phone number ( Telephone Consumer Protection Act ). These calls are made repeatedly, XXXX attempts in a row and have occurred past XXXX. 

I never gave consent to the creditor or affiliates to use my cell phone number to contact me for marketing, servicing or collections calls. 

I believe they are using an Auto-dialer because there is a menu when call is answered.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXXXX/XX/XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a credit card and received many inquiries. 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 instruction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I had multiple medical issues/visits that were immediate emergency situations, each resulting in high bills. I was told that the bills were under my fathers name and account and that they were going to him. However, they appeared on my credit report with 7 open accounts in collections, all of which I was never notified about or received written notice for. I took the initiative and set up an automatic monthly payment plan to pay it off each month until fully paid off, which has been in process now for the past 6 months. Although I was never notified and was given the wrong information, I wanted to make sure that it is being taken care of and paid off. I have attached screenshots of the open accounts in collections. I have 100 % payment history.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to provide them with a police report and I'm still waiting for it to be completed. I'm trying to get my house refinanced and the fraudulent collection is effecting my credit score so I co n't get an acceptable rate. The Expirian person in Fraud advised me to contact the FTC and that the credit agency can take action quickly once I do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had left XXXX XXXX on XX/XX/2018, I had no contract with them and actually paid in advance for services ( cell phone ). I ended my services with them on XX/XX/2018, and received their final bill on XX/XX/2018, ( USPS ) which shows a credit balance, however, I never received the credit but no matter, I attached a copy of the last bill they sent in XXXX as well as an invoice with my new provider I was done with this company, a had to call a number of times, wait times longer than an hour, I just had enough, if you check your records they were actually sued for invoicing problems over billing! I have sent a record of the final bill I received from XXXX XXXX on XX/XX/2018, and the bill from my new provider that took over my services from the same day I ended from XXXX XX/XX/2018, why in the XXXX are we still arguing about this? I did my part and if you have a problem in believing me why don't you google their complaints online, that in itself should end this agony I have been dealing with since 2018.
Product: Money transfer, virtual currency, or money service

In summary, on XXXX I discovered that $ XXXX was removed from my XXXXXXXX XXXX Checking account. I was made aware through my XXXXXXXX XXXX  app that the {$8000.00} XXXX was removed via a web initiated payment at XXXX XXXX on XXXX. I do not have a Chime account. I notified my bank to put a hold on my account. I also filed a fraud claim with XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have wrong item reported in my credit profile by Transunion only. Please help me to remove it because this account is not mine and I have a very good credit profile, and suddenly this fraud item appeared its not fair. Thank you for understanding and I hoe you will remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to Equifax today and they advised they will not accept the FTC report and rejected it as the inquires I disputed does not have a date listed. This is absolutely ridiculous! I was affected by their data breach and yet they will not correct the fraudulent information!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is account is reporting inaccurate information XXXX XXXX/XXXX # XXXX on Experian, XXXX, XXXX. 

On XXXX  reporting Exceptional History not late payments ; however reported as a Charge-off ... On XXXX  reporting as " Unknown Payment History Charged-off as bad debt ''. Reporting on Experian with incomplete payment history and as Charge-off with a balance. 

Please remove this account as your violation of the Fair Credit Act 611 as this information is inaccurate.
Product: Debt collection

1 ) I received a notice on XX/XX/21, that my Personal Loan was in collections due to non-payment of {$800.00}. I made XXXX separate payments of {$800.00} on XX/XX/21 and XX/XX/21 via bill pay. The XX/XX/21 payment was received, but not the XX/XX/21 payment. XXXX, I emailed XXXX the XX/XX/21 canceled check copy showing that they had cashed the check, but had not credited my account. 
I called Santander bank on XX/XX/21, XX/XX/21, XX/XX/21, XX/XX/21, and XX/XX/21. I received a call back on XX/XX/21 and XX/XX/21 from the bank representatives assuring me that the matter was being handled and on XX/XX/21 that it was resolved. 
I received my XX/XX/21 loan statement and the XX/XX/21 payment has still not been credited, and a {XXXX} late fee has not been reversed. 
I am scheduled to receive a call back from a Santander representative on XX/XX/21 with a resolution. 
2 ) Santander tracking of my loan payments are incorrect, as my statement states an amount due of {$1600.00} and I have made monthly on-time payments on my account.
Product: Credit reporting or other personal consumer reports

USAA is inaccurately reporting my account as charged-off and closed, yet it continues to display the account as having an unpaid balance of {$2800.00} and a delinquent status on my credit reports with XXXX, XXXX, and XXXX. This reporting is misleading and inconsistent with the legal definition of a charged-off debt. Additionally, USAA has refused to issue a Form 1099-C to document the cancellation of this debt, further complicating the situation. 

I filed a prior complaint ( XXXX ) with the CFPB about similar issues, but the investigation appears to have been incomplete. USAA continues to report inaccurate information, despite my requests for correction under the Fair Credit Reporting Act ( FCRA ). 

Actions I have taken : Contacted USAA directly to dispute the accounts inaccurate status, including their refusal to issue a Form 1099-C.

Filed a previous complaint with the CFPB regarding this account.

Actions taken by USAA : Refused to issue a Form 1099-C while still reporting the debt as charged off.

Continued to report an unpaid balance and delinquent status on my credit report.

This inaccurate reporting has significantly harmed my credit and financial standing, and I believe it violates both FCRA accuracy standards and 26 U.S. Code 6050P, which governs the reporting of canceled debts. 

I respectfully request a thorough investigation of this issue, as I believe the previous investigation did not fully address these concerns or result in a fair resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the fair debt collection practices act 15 us 1692 ( b ) ( c ) ( g ) by laws I did not give this collection agency the right to place/furnish anything on my credit report. They are in FDCPA violations, I have a right of protection from disclosing my debt/information to others by law it is the consumer reporting agency resposibility to protect my rights from furnishing my credit report with the following documentation such as Public records, consumer reports, and mainly Fraud Alerts, Consumer Statements, personal statements.
Product: Money transfer, virtual currency, or money service

My cousin call that he was in the car accident and he needed {$800.00} to pay the lady because he didn't have insurance on his car and she would be good. That she had her brother that passed away and was going to XXXX so I sent transaction # XXXX. Then he called again and said he need {$500.00} more to fix his car and which I sent on transaction # XXXX. Then, this person called again and wanted more. So, it sounded suspicious and I called his wife and none of this was true. The number that called me was XXXX. So i called to cancel and get a refund at number XXXX ( XXXX ) XXXX. They said there was nothing they could do but block this person on therein because it has it was cashed out. 
My phone number is ( XXXX ) XXXX XXXX or ( XXXX ) XXXX XXXX
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 Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint and dispute inaccurate information reported by XXXX on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ). Attached to this letter is a copy of the specific account in question. 

Details of the Inaccuracy : Account Number : XXXX Disputed Amount : {$220.00} Status : Collection/Charge-off Remarks : Account information disputed by consumer, meets FCRA requirements This account contains inaccurate or unverifiable information that has negatively impacted my credit report. Despite disputing this with XXXX, the account has not been corrected or removed. 

Violations of the FCRA Include : 1.15 U.S.C. 1681i ( a ) : XXXX failed to properly investigate my dispute within the legally required timeframe. 
2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : I was not provided with adequate documentation or verification proving the accuracy of this account.

3.15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If the account can not be verified, it must be corrected or deleted, which has not been done.

Actions Requested : 1.Investigate this matter thoroughly with Transunion and XXXX coll XXXX documentation verifying the accuracy of this account. 
XXXX XXXX to remove this account if it can not be properly verified. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information. 
This issue has caused significant harm to my creditworthiness, and I am requesting the CFPB to intervene and ensure compliance with the FCRA. I look forward to your assistance in resolving this matter. 

Thank you for your time and prompt attention to this issue. Please feel free to contact me if you require additional information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for Dept. Of Education/XXXX  and XXXX XXXX XXXX XXXXXXXX this is not my account and I have never had an account with them
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I came across a number of billing errors. The late payments noted are not consistent with my history of timely payments. Please resolve these discrepancies and update my account accordingly.
Product: Mortgage

As I was furloughed in XX/XX/2020, I applied to Wells Fargo Mortgage for a forbearance. I applied for a three month forbearance. As I did not receive a reply before my XX/XX/2020 mortgage payment was due, I paid my XX/XX/2020 mortgage payment in full. I did not pay XXXX or XXXX. In XX/XX/2020 I received a letter stating I needed to take a decision on my mortgage forbearance. I spent over an hour on the telephone with Wells Fargo Mortgage on XX/XX/2020 and concluded with them that I would pay one of the two months that I had not paid and the other would be moved to the end of the loan. I paid the full monthly mortgage payment while on the telephone with Wells Fargo Mortgage and they informed me that when it posted the following day, only one monthly payment would be moved to the end of the mortgage. I received a letter dated XX/XX/202 stating that 2 past due payments were deferred. 
This is erroneous as I made my XX/XX/2020 mortgage payment in full on time and my XX/XX/2020 XXXX payment in full on time. 
I wasted 47 minutes on the telephone with Wells fargo Mortgage on XX/XX/2020 trying to get this matter corrected as my mortgage statement is indicating the incorrect outstanding balance. I was told that they would have to investigate and review the tape of the XX/XX/XXXX telephone call, despite the fact that they could see in my mortgage account that only one payment was outstanding. WHen I requested that I be allowed to tape record my conversation, they told me this was not allowed, despite the fact that they advised me that they were recording the conversation. 
I request respectfully that you look into this as my Mortgage Balance is recorded incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got a loan from my bank for a vehicle and my bank merged with another bank and my Experian account shows that I have a closed account and a open account for the same loan
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. KINDLY UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX
Product: Credit reporting

I have spoken to XXXX Experian representatives over the course of months now to fix the following problems : 1 ) incorrect SSN on my report stopping me from getting my XXXX score and approval from credit card companies, and 2 ) their inability to verify my address and thus having me wait 90 days. I have uploaded my proof of identity multiple times, and as a result, got the SSN problem taken care of. Experian sent me proof of this saying my SSN has been update on a report.This means they have my identification materials on file -- exactly what they need to verify my address. However they " lost '' it and now I have to reupload them, except now it wo n't let me upload anything. I am dissatisfied with every aspect of Experian 's terrible, incompetent customer service, and believe that my identification materials have been stolen. I will be seeking legal action against Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number- XXXX Whom It XXXX Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe.

Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you