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

In XX/XX/2021 a payment was sent out for a car payment, First National Bank claimed to not get it. I sen out a double payment for XXXX and XXXX at that time. This was about the last week of XXXX. Then they claimed to have not received that check. So I then took my payment to a branch myself. Literally 3 days later magically a check that was lost for almost a month plus the double payment check were cashed. Luckily I was smart enough to stop the bigger check because otherwise they would have had 5 months worth of car payments. Even at that time I got a letter for stopping payment on the check stating my account would be passed due. None of this was anything I caused, yet they reported I was 30 days passed due and also tried telling me J owed for the next month when they decided on their own to just put the extra money they got onto the balance as extra. I don't think my credit should suffer for something an employee at First National Bank did. They need to keep better track of their checks when receiving them in the mail. 
You can see by my report my payments aren't late normally.
Product: Credit reporting or other personal consumer reports

i have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 

Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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  is a financial institution by definition under that title. 

please provide the consumer the accounts that these inquiries are connected to. With signed documentation and NO E-OSCAR VERICATION. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 

The financial institution and the consumer Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Any and all consent Equifax whether it be non-verbal, verbal, written, implied or otherwise revoked. 15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option. Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. Equifax and XXXX are not maintaining reasonable procedures. 

According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and Equifax are consumer reporting agencies and I am the consumer. 

see attachments for identification
Product: Credit reporting or other personal consumer reports

I am submitting to express my urgent concern regarding the handling of fraud-related items on your platform. Recently, I have observed numerous instances of fraudulent listings, which not only undermine the integrity of your service but also pose significant risks to your users. There seems to be a delay in removing these fraudulent items, leaving them accessible to unsuspecting customers for an unacceptable duration. This delay not only erodes trust in your platform but also exposes users to potential financial losses and other harms. I urge you to take immediate action to enhance the efficiency of your fraud detection and removal processes. This may entail investing in improved algorithms for detecting fraudulent listings, increasing the frequency of manual reviews, or implementing stricter verification measures for sellers. Additionally, I recommend establishing clear channels for users to report suspicious activity and ensuring timely responses to these reports. Transparency and accountability are crucial in maintaining the trust of your user base. Failure to promptly address these issues not only reflects poorly on your company but also endangers your users. I implore you to prioritize the safety and security of your platform and to take proactive measures to combat fraud effectively. Furthermore, I am seeking your assistance in removing or correcting the following fraudulent items from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied for the COVID forbearance extension on XX/XX/XXXX via phone which expires on XX/XX/2022. As of XX/XX/XXXX, I have not received a response on the forbearance request on Carrington 's online portal or mail. However, I received multiple letters ( latest dated XX/XX/XXXX and online portal XX/XX/XXXX included in this complaint ) indicating I have not updated Carrington on my COVID forbearance when in fact I did way back on XX/XX/XXXX via phone. Their online system would not let me update the forbearance for the XX/XX/XXXX expiration so I was forced to call it in. I have 3 months of eligibility left on COVID forbearance ( used 9 months ). I called back on XX/XX/XXXX and they have record of the XX/XX/XXXX request but no action on the forbearance request. I believe there may be a back office issue where my account is not being processed at all for the CPVOD forbearance extension and it will expire without anyone looking at my extension request. With previous extensions, I was able to request forbearance extension online but this time I could not and had to call Carrington which suggests there is a back office issue.
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 for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am natural person, i am a living human being, i have the rights under 15 usc 1681.

equifax is govem by 15 usc 1681. and they violated my rights numerous of times, i demand the accounts listed below be remove because.

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 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 XXXXXXXX, FTC # NUMBER IS XXXX
Product: Credit reporting or other personal consumer reports

Date of Birth : XX/XX/1991 Last 4 SS # : XXXX Credit Reporting Agency : XXXX Experian XXXX To Whom it May Concern, Account name : XXXX XXXX I received a copy of my credit report. To my surprise, the credit reporting agencies are reporting this account incorrectly. This account is not only being reported as in collections, but also shows a past due balance of XXXX, and while reflecting XXXX ( zero ) late payment. Additionally the utilization percentage is also inaccurate as a 40 % of {$300.00} = {$420.00} not {$420.00} as reported by the past due balance According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account remove upon completion. 

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

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.I demanding immediately deletion of this in accurate fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to Experian, XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The XXXX Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} Charge Off : XXXX XXXX XXXX {$10000.00} Date Opened : XX/XX/XXXX
Product: Mortgage

Made my XXXX monthly mortgage thru bill pay, for my VA 30 year fixed loan. Ditech Financial LLC applied to the wrong account. Ditech then made daily collection calls trying to bully the the money they already received. Once I figured out what happened and their ineptitude to resolve it. I requested a refinance quote and a payoff amount to take my business to a better company. They said they would have to reallocated the the payments on the account for an accurate payoff amount. 
Payed XXXX 's monthly payment by the same process, no problem. Still receiving random collection phone calls for XXXX 's payment. Now its the XXXX of XXXX. For this whole week I 've been on the phone with them trying to get a payoff amount so I can close my refinance with another company. My balance remains inaccurate, my payoff is still unavailable. Far past the 20 business days that is required by the RESPA. Not to mention 10-15 minutes for a payoff amount is the industry standard. I 've tried to elevate this further within the company, however the only departments you can actually talk to are collections and customer service. Both can do very little to service your account. I will be getting in touch with a lawyer.
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized XXXX  credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This started back in XX/XX/XXXX with XXXX XXXX  when I was separating from my estranged husband and this company ignored all documentation sent for a Deed In Lieu of foreclosure request. 

They had us fax the documentation and then wait for a response. I never received any acknowledgement of the receipt of my paperwork despite constantly writing and calling. 

The home eventually foreclosed and I was going through too much at the time ( hospital stays, loss of a job at a company where we both worked ) due to the ending marriage, etc ) to keep fighting with them. 

Fast forward to XXXX and after the devastation of the pandemic, I have being calling them time after time to find out why there's still a balance on my credit report despite them telling me over the phone that I owe nothing. 
1. The balance they have is bringing down my Experian score, but it is reported correctly on XXXX. 

2. I've disputed this many many times, and the amount has changed a few times but not to {$0.00} like they said it should be. 

3. I've called and they said they could provide written documentation, then turned around 2 business days later to say they couldn't. 

4. They told me to email their credit department because they could get me a copy. SURPRISE, they never answered the email.
Product: Credit reporting or other personal consumer reports

I am extremely frustrated and angry that despite multiple attempts to rectify the inaccurate information on my credit report, it has not been corrected. This blatant disregard for accuracy is unacceptable. I demand immediate action to fix these errors and ensure that my credit report reflects accurate information.
Product: Credit card

This is XXXX of over XXXX cases that I have opened or filed with various legal organizations including the XXXX, XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX Attorney, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Attorney, XXXX XXXX XXXX XXXX XXXX 'XXXX Prosecuting Attorney, XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Police Department, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 's Police Department, FBI, XXXX Police and the XXXX. 

Case Status Submitted to the XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX, ID XXXX On XXXX/XXXX/XXXX, received feedback from the XXXX, ID XXXX On XXXX/XXXX/XXXX reported to the XXXX On XXXX/XXXX/XXXX reported to the XXXX ; their response, posted below, was received on XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX, submitted to the Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau. 

Case : 1. Fraud Case Description 1. Fraud. I am a XXXX person living in XXXX. This past XXXX, due to my inability to make payments, I contacted Capital One 's customer support team to close my account, card number XXXX XXXX XXXX XXXX. After " closing '' my account I requested email confirmation of account closure, which they refused to provide. I asked to speak with their staff 's supervisor who also refused to send me an email confirming that my account was closed. I believe that they record these conversations. 

XXXX, I contacted their customer support team again, this time via chat, pasted below and attached. They confirmed that my account had been closed. 

Today, I checked my account online and discovered that my account is not closed but suspended and that Capital One is charging me over 22 % interest. 

Last week I contacted their support team again asking for a customer service email address that I could use to contact them. They never replied to my request.
Product: Credit reporting or other personal consumer reports

I checked my credit report and saw accounts that I did not create and belong to me.
Product: Credit reporting or other personal consumer reports

It show on my report it should be remove because it incorrect it show be deleted on my credit report Im am exercise my right to the fair credit act section 609 the request info regarding XXXX XXXX XXXX. If you unable to verify the account with the original contact the information should be removed from my credit in 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian. XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$4.00} XXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the account in my credit profile which are appearing 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 and may be investigated by the Federal Trade Commission : XXXX XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00}. In addition please provide evidence that the account belong on my report and that my rights have not been abrogated. In the event that no record exists, please update the inaccurate items information as quickly as possible.
Product: Credit reporting or other personal consumer reports

Cfbp has I recently found a lawsuit against XXXX, alleging, systematic issues such as failing to forward consumers-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, whereas experience has neither corrected nor removed disputed items despite the evidence I provided. Therefore, causing harm to my credit score. Im requesting immediate corrective action to remove or amend the disputed accounts. As XXXX inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, two accounts on my credit report have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

Account name : XXXX XXXX ... ... has violated my rights to privacy and confidentiality. 

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. 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.

These inaccuracies are stopping me from providing a home for my family.
Product: Credit reporting or other personal consumer reports

Dear EQUIFAX I am writing to formally request the permanent removal of incorrect information from my credit report pursuant to 15 U.S.C. 1681c-2 ( FCRA 605B ). The information in question resulted from identity theft, and I am providing this affidavit to support my request.

Enclosed, please find the following supporting documentation : 1. A copy of my identity theft report filed with the Federal Trade Commission ( FTC ) XXXX XXXX. A COPY OF MY CREDIT REPORT I request that you block and remove the fraudulent accounts and any associated negative information as mandated by law. The accounts in question are as follows : INCORRECT ADRESSES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX INCORRECT EMPLOYER : XXXX XXXX Please provide written confirmation that the fraudulent information has been permanently removed from my credit file, as required under FCRA 605B. 

Thank you for your prompt attention to this matter. 

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

Frauding scams using my family 's death record as business permits and IDs scams frauding closed out social security data and frauding a private grave using XXXX Frauding scams using my elementary School documents of XXXX XXXX Indiana of XXXX elementary School as others states business permits and towns and governments Frauding scams frauding XXXX XXXX XXXX XXXX  as herds of XXXX towns and XXXX IRS retailers store 's and business and in all states that pulled that listed IDs scams familys and business permits and food products frauding my XXXX  XXXX Indiana of XXXX county Indiana birth certificate and families documents of XXXX county Indiana and XXXX Indiana..
Product: Debt collection

Receive multiple calls a day won't every discuss number given to call back is never answered, Goes to voice mail but does not leave a message. Every time I call thme there office is closed. I don't owe anybody any debt. I have an XXXX credit score. 

Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Last XXXX  months inquiries and credit checks for credit cards have been run without my consent. I have not applied for anything. This is fraudulent activity. Already have police report submitted and FTC fraud complaint I sent to all XXXX bureaus and no resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been non-compliant with removing the unverified account Bankruptcy XXXX which has been deleted by XXXX   and XXXX. XXXX  and XXXX have both completed their research and determined that Bankruptcy was not established by myself but Equifax keeps verifying this accounts. Also, when I called the company they responded that Equifax did not send them all of the verifying evidence to confirm each account is unverified.