23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was approved by my current mortgage company for a home modification. I accepted the offer and began to arrange my payment amount and monthly budget. I went to my mortgage company 's website and found an option that allows a payment plan that would automatically deduct payments from my checking account. I signed up and the payments began to be deducted automatically. After multiple payments were applied to my account the next few payments changed, not by myself and to this day I do not who changed the amount and why. I called my mortgage company to ask questions, a few payments were reversed from being suspended and applied to my account. This changed caused the wrong amount to be deducted from my checking account in turn resulted in the delay of payments. I received a letter from my mortgage company stating that the trial payment plan is no longer accepted due to lack of payment amount. If the amount of the payments were not changed the correct amount would have been deducted. I am requesting help in this matter. I do not want to be forced out of my home. 

Thank you
Product: Credit card

These inquires were unauthorized and I am a victim of identity theft, no permissible purpose or other reason. Codes 15 US Code 1681b and 15 US code 1681IPlease remove XXXX XXXX XXXX XXXX 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

I disputed a Bankruptcy on my Experian Credit report. They mailed me the results on XX/XX/2020, report # XXXX and said it was verified. They said it was verified with information obtained from their third party vendor XXXX. I sent my letter from XXXX where they deleted the Bankruptcy because it was Unverifiable. There is no way Experian verified this information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, XXXX XXXX GA XXXX Subject : Formal Dispute Regarding Inaccurate Information on My Credit Report Dear Equifax Information Services LLC , I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am victim of identity theft and someone used my personal information to obtain this fraudulent account in my name without my consent. I am requesting for your company to delete and remove this fraudulent account from all three major credit reporting agencies or legal actions will be taken against your company. I did not benefit from any goods or services of this fraudulent account. I have also attached a copy of my police report filed with the XXXX Police Department. 

My rights have been violated. 

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

I co-signed on a vehicle. During the last week of XX/XX/XXXX I was notified that there were 3 missed payments on the account. Once I heard there were 3 missed payments I went into XXXX and submitted a payment on XX/XX/XXXX for the 3 missed payments plus XXXX 's payment in the amount of {$1200.00}. The monthly payment amount is {$300.00}. 

Payments following have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX of XXXX. XXXX is reporting the account as not current/missed payments for every month since XX/XX/XXXX. This has dropped my credit score by nearly XXXX points and they will do nothing to report this information correctly. I am not question 3 payments were missed by the party I co-signed for but I have email from a representative from XXXX stating the account is now current and that they would only report 2 missed payments on my credit report which they have not done. XXXX is showing 8 missed/late payments on my credit report and that the account is not current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and ask for validation several times with XXXX, transunion, and XXXX regarding the company called XXXX XXXX XXXX that has reported entries on my Credit report. We learned today, by looking at the complaint and their response files through CFPB that XXXX XXXX XXXX has no supporting documents and did not, were not able to, produce any validation documents as outlined in the complaint. This shows that all credit bureaus have continually failed investigating my disputes and requests for validation time and time again. I would like all three Credit Bureaus to be censored and formal record made relating to this complaint. The statement made by XXXX XXXX XXXX Today ( they have ask their client to send documents to me ) is against all logic and non complaint with regards to Having all necessary Documents on file to Support furnished reports to the credit bureaus And to provide the validation requested just like I did through the CFPB and not one file or Document was provided as required for validation and accuracy of these long reported furnishings. 

Thank you CFPB for bringing this injustice to light after several years. 

The following documents attached supports this complaint and I ask again at this time for XXXX, Transunion, and XXXX to delete all entries reported by XXXX XXXX XXXX in my credit file immediately.
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 specific violations
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach and that unauthorized accounts and inquiries have been added to my credit file. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that all fraudulent accounts and inquiries listed below be blocked and deleted from my credit report. 
Fraudulent Accounts to Be Blocked and Deleted : XXXX XXXX - XXXX - XX/XX/XXXX - {$95.00} XXXX XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1300.00} UNAUTHORIZED COLLECTION - XXXX - XX/XX/XXXX - {$1300.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} Fraudulent Inquiries to Be Blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

The Florida Department XXXX is accusing me of working and collecting unemployment which is not correct. I was not employed at the time I was collecting unemployment. 

They have me as working with XXXX life insurance which is nor accurate. I am employed XXXX currently but that did not start until XXXX/XXXX/2015. 

When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.
Product: Debt collection

During Covid I fell on hard times and unable to pay my bills unfortunately my account went into charge off and sold to debt collection agency which I was unaware on my credit report the collection and the original credit report is reporting twice on the same debt one collection again resulting in taking me to court even though I did not taken any credit out with them.
Product: Credit reporting or other personal consumer reports

Experian has not been responsive to numerous customer service requests in order to access my account. This company was requested to change an old phone number as a result of identity theft. Theyve not updated this for over two years preventing me from gaining access to my account information and credit report from them. The company does not provide a phone or automated method to update my own information. As a result, Experian has not been responsive.
Product: Checking or savings account

I opened my Capital One Checking and Savings accounts on XX/XX/21 to replace my XXXX XXXX account. 
On XX/XX/21 I received an email letting me know that there has been unusual activity on my account, and to call the bank to verify the activity. Turns out, I set up a {$20.00} transfer from my XXXX XXXX account that did not have time to clear before I closed the account. This got cleared up and all was well until I got the same notice again on XX/XX/21. 
I called the bank to see what it was this time, and wa informed that they were investigating my {$25000.00} transfer from my business bank account made on XX/XX/21. This was understandable due to the large amount. I offered to have them call my bank, I would verify my identity, and the bank could validate the transfer. The Capital One representative refused to do this. 
I have called several times since, and always got the same story. At this point, it has been 4 weeks since my account has been frozen with no end in sight.
Product: Credit reporting, credit repair services, or other personal consumer reports

Final payment on loan with automatic payments was never taken and I was unaware that there was a remainder left on the loan and it went delinquent Auto payments were made on time in amount of {$830.00} for entire term of loan Remainder amount of {$72.00} was never drafted from my account or added to last payment
Product: Credit reporting or other personal consumer reports

I am writing you to formally dispute inaccurate on my credit report that I believe is harming my financial well being. I am aware of my right under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by law. 

Recently, the Consumer Financial Protection Bureau filed a Lawsuit against Experian and Equifax for its failure to properly investigate consumer disputes citing sham investigations and other unlawful practices. These practices as outlined by the CFPB include : Conducting inadequate investigations that fail to properly address, consumer disputes. Reinserting, previous and inadequate information without explanation. 
Failing to notify consumers regarding investigation results effectively. 
These allegations are highly systemic issues that directly undermine consumer protections and perpetuate the illusion of inaccurate information on credit reports. I am deeply concerned that my dispute maybe miss handled in the similar manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing the complaint against EQUIFAX, XXXX and XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.
Product: Checking or savings account

I opened a checking and saving account with Chase Morgan in Florida. Checking # XXXX. I am a XXXX and came to US 3 weeks ago and Chase told me my account was restricted and I can not access my money around XXXX  thousand dollars.
Product: Student loan

durning my school years of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX, I struggled with my financnes, so every year I made sure that I contacted Experian to make sure my credit was in good standing, buy asking fo r a forbearance or a deferment for each year, no the companies is saying that I have past due payments for those years above and that is not true, my acct should be fair credit for all my years, no past due, all fair and up to date for all years to this day.
Product: Bank account or service

On XXXX/XXXX/2016 I received an email from Citibank informing me that the checking account that I had with them for four years was being cancelled, effective XXXX/XXXX/2016. No reason was given, other than to say " Please know that this action does not reflect any dissatisfaction with you or with your relationship. '' After receiving this, I called them and was told this was a business decision from the top and could not be reviewed. Therefore, as of XXXX/XXXX/2016 I redirected all my direct deposits to a new account at another bank. As of that date there was a XXXX balance, in anticipation of the accounts closing on XXXX. On XXXX/XXXX/2016, despite the XXXX balance, Citibank paid a draft from my account to XXXX XXXX XXXX in the amount of {$94.00}. Apparently realizing their mistake on the following day, XXXX, they credited the account back {$94.00}. However, on XXXX they again paid XXXX XXXX {$94.00} from the account with no balance. The next day, XXXX, they credited the account {$94.00} again. In the meantime they assessed a returned check/NSF fee of {$34.00} on XXXX, another {$34.00} fee on XXXX, {$50.00} service charge on XXXX ( a month after the account was purportedly to close ), another overdraft fee on XXXX. After all these fees they are still showing an open account with a - {$280.00} negative overdrawn balance. On XXXX I wrote to Citi asking what was going on and why the account was still open. I requested it be zeroed out and closed, per their original email. I received a reply from XXXX XXXX XXXX, dated XXXX/XXXX/2016, in which she wrote " We are sorry to find that the account has not been closed yet, we have escalated this situation with our back office. Your account will be closed in the next few days. Please advise ( XXXX ) that you may receive a last statement proving the account closeout and the XXXX balance. '' As of this date the account remains open showing the {$280.00} overdrawn balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX - ; XXXX, XXXX XXXX Balance {$1300.00} ; XXXX XXXX  XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$8000.00} XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX.
Product: Credit card or prepaid card

I have an Amazon Credit Card via Synchrony Bank I found that the interest rate is 25.99 % and I am being charged an interest rate equal to 36.9 % I spoke to a manager at length and was informed that I was responsible to pay interest not only on my current months balance but also on my previous months balance owed which brought my current interest payment to 36.9 % not the 25.99 % as stipulated in the agreement. 

Although the manager agreed on the current billing periods balance I was advised I was still required to pay interest on the previous months balance that was paid down by half. 

I asked if I owed {$10000.00} last month and paid {$9900.00} on time leaving a {$.00} balance what would my current payment be to bring my account to a {$0.00} balance the following month if paid on time. 

Reply : You would owe {$210.00} to bring your account to a {$0.00} balance not {$.00} if paid on time. You would owe interest not only on the current billing period but also interest on the previous billing period on the monies you have paid off on time What??? 

If they are doing this to me how many other consumers are they doing this too : This is nothing but consumer gouging ; turning un-owed monies into millions of dollars of company profits!!!!! 

You may lose your car, lose your home, have your families torn apart but we will be paid through you or our collectors but make no mistake about it we will be payed our profits we say you owe us!!!
Product: Money transfer, virtual currency, or money service

Moneygram cancelled my account with no explanation! I am an american citizen with family in XXXX! I send money regularly and after 2 years of sending money to them they cancelled my account. When I called them for an explanation the were rude and provided no explanation! This company should not be allowed to do business in the great state of Georgia!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account DPT EDXXXX # 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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$430.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

I am filing this complaint against XXXX, XXXX, and TransUnion for numerous violations of the Fair Credit Reporting Act ( FCRA ) and related laws, as well as their mishandling of my personal and business information, which has caused significant financial and emotional harm. These violations stem from the following : Reporting Fraudulent Accounts and Inquiries : My personal and business information ( associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was used to create fraudulent accounts and generate unauthorized credit inquiries. These accounts and inquiries appear on my credit reports despite multiple disputes and clear evidence of identity theft. 

Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy in credit reports. 
15 U.S.C. 1681b : Prohibition against accessing consumer reports without permissible purpose. 
Failure to Conduct Reasonable Investigations : Despite my submission of disputes and supporting documentation, including an FTC Identity Theft Report ( # XXXX ), the CRAs failed to conduct reasonable reinvestigations of disputed accounts and inquiries. These failures have prolonged the reporting of inaccurate and harmful information. 

Violations : 15 U.S.C. 1681i ( a ) ( 1 ) : Requirement to reinvestigate disputed information. 
15 U.S.C. 1681s-2 ( b ) : Furnishers ' obligation to investigate and report accurate information. 
Negligence in Safeguarding Consumer Data : My personal and business information was exposed in significant data breaches involving XXXX, XXXX, and XXXX XXXX XXXX. These breaches directly facilitated the fraudulent activities that have affected my credit profile. 

Violations : 15 U.S.C. 1681e ( b ) : Requirement to protect consumer data accuracy and security. 
12 U.S.C. 5536 ( a ) ( 1 ) ( B ) : Prohibition of unfair practices under the Consumer Financial Protection Act ( CFPA ). 
Relevant Case Law : CFPB v. XXXX ( XXXX ) : {$700.00} XXXX settlement for systemic failures in protecting consumer data. 
Failure to Block Fraudulent Accounts and Inquiries : I submitted valid documentation under 15 U.S.C. 1681c-2, including the FTC Identity Theft Report and police reports, requesting that the CRAs block fraudulent accounts and inquiries. These requests were ignored, violating my rights under the FCRA. 

Violations : 15 U.S.C. 1681c-2 : Requirement to block fraudulent information upon receiving proper notice of identity theft. 
Improper Use and Reporting of My Credit Information : The CRAs failed to ensure that furnishers provided adequate validation before reporting accounts. In some cases, unauthorized entities accessed my credit reports without my consent or legitimate purpose. 

Violations : 15 U.S.C. 1681b ( f ) : Prohibition of unauthorized use of credit reports. 
15 U.S.C. 1681m ( e ) : Duties regarding address discrepancies.
Product: Credit reporting or other personal consumer reports

This account is PAST the South Carolina statute of limitations. Please remove from all credit reporting. This is a violation of my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. The Equifax Credit Bureau did not comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiry reporting on my Credit Report : XXXX XXXX  XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX # XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX