23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE FOLLOWING INFORMATION WITH XXXX, XXXX, AND TRANSUNION, AND UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED TO THIS DAY. 

XXXX This account is not mine : XXXX XXXX XXXX XXXX - XXXX XXXX Incorrect Personal Information : XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. Please remove this immediately and only report accurate information. 
XXXX XXXX XXXX XXXX XXXX  - This in incorrect. Please remove this immediately and only report accurate information. 
EMPLOYER - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  accurate information. 
This account is not mine : XXXX XXXX XXXX XXXX  - Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information. 

TransUnion Incorrect Personal Information : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This in incorrect. 
Please remove this immediately and only report accurate information. 
This account is not mine XXXX XXXX XXXX XXXX XXXX XXXX Section 609 of the FCRA states that you're required to send me the original paperwork that verifies this account otherwise, this is false information.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only 2 are required per the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX should not be reporting a collection/chargeoff in the amount of {$3400.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report ; a copy of the settlement letter, along with a copy of my Drivers License and Utility Bill for identification purposes. ) This account was settled and needs to report a {$0.00} balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of a collection/chargeoff is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2022, I attempted to purchase a set of shirts through XXXX XXXX XXXX. It prompted me to use PayPal. 

I entered my information, and received an email to verify my account with PayPal. Before I could even open it, I received a second email in the same minute, stating my account was " limited '', and they'll be keeping my card on file though I can't access it, or delete it, without any explanation. 

I called them to file a complaint, and spoke with an agent who recited to me reasons why she can't explain it. Although she does have the reasons on her screen, I am not privy to that information. I asked if I should be worried about fraud, she said I can't have that information. 

Essentially, they've recorded my debit card information, taken my address and personal info, and they're going to hold onto it with zero explanation of why, forever. I am not happy with this arrangement. 

I'm a straight-shooting guy, I don't run scams, I have no idea why they're doing this. Perhaps the whole entity is just collecting information for another, more corrupt entity?
Product: Checking or savings account

Victim of fake check.. I woke up one day to my mother BOA account getting charged for a fake check on my BOA account which was a joint account she put me under. I haven't used my personal Bank Of America account in almost 2 & 1/2 years. Me & my mother been trying to file claims, email the bank and call Bank of America which have a known history of owing people money and ridiculous fee charges which they don't even respond to emails or phone calls. Im making this claim because Bank Of America took funds out of my mother account that we need back. i am an victim of a fake check, which i stated early i haven '' t used my personal bank account in 2 & 1/2 years. my mother made a claim but she haven't got a update so i made one, hopefully you can get to this ASAP!
Product: Mortgage

I was approached by Quicken Loans ( rocket Mortgage ) during Covid19 to do a refinance to lower my interest rate and my monthly mortgage payment. A year has since passed and I got a bill for an escrow shortage in the amount of {$2800.00} and notification that my mortgage would be increasing monthly by {$170.00}. I inquired with Rocket Mortgage and after they reviewed all the information they informed me that XXXX ( closing company ) pulled the incorrect property tax ( they pulled my mother in laws which is a completely different first name and my husbands name wasn't on it either ). XXXX admitted that the mistake was on XXXX. I told her I feel they are both responsible, as they do this for a living and in the end my husband and I are the ones suffering the financial havoc. She said the guy that pulled the incorrect info was going to be coached and in the end I am responsible for my own taxes even though they made the mistake. I understand that the taxes are my responsibility but I told her I wanted the loan fee I was charged {$5600.00} to be refunded in full or partially as I did not get what I signed up for. I explained that the 1 % point was not the main reason I did the refinance. It was to lower my mortgage from {$1600.00} to {$1200.00} so we would easily be able to keep our house if one of us were to lose our jobs or if one of us passed away. I also told her that this kind of financial devastation causes people not only to lose their homes but even commit suicide because not everyone has money lying around for this types of issues. Neither XXXX nor Rocket Mortgage seemed to care. XXXX thought XXXX XXXX cover XXXX months of my shortage but they decided it was not heir problem. If I had the money to refinance and get out from under Rocket Mortgage I would. At this time I am stuck with them. I think it is a SHAME that companies like this can meddle in people lives and not have any consequences. Although they are supposed to be the experts and guide me to better my situation I will never make that mistake again and will question EVRYTHING and make them spend more time going through the paperwork instead of listening to them when they say everything is fine... .JUST SIGN.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a delinquency reporting in my payment history, although I have no delinquent accounts. So my credit report shows that all my accounts are paid with no late payments, but simultaneously it says I have a late payment dated 2 years and 4 months ago.
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to inform you that I have recently faxed important documentation to Santander Consumer USA at fax number XXXX. This documentation pertains to a necessary correction of my birthday information associated with my account ( Account # XXXX ). The correct birthdate is XX/XX/1994, which needs to be updated in your records at the earliest convenience. 

This correction is critical for ensuring the seamless processing of my payments, particularly concerning the autopay setup for my new auto loan. Given the importance of this matter, I kindly request that the update be expedited to avoid any potential issues or delays in payment processing. 

Please confirm receipt of the faxed documentation and the subsequent update of my account information. Your prompt attention to this request will greatly assist in maintaining the smooth management of my auto loan repayments. 

Thank you for your understanding and cooperation. I look forward to your swift response and confirmation of the update.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( parent company Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App, specifically, failed to take timely and effective measures to ensure safety on their platform. Their negligence allowed fraudulent activity to prosper, rendering my account susceptible to vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ). These actions have caused significant inconvenience and financial loss to many individuals ; I seek appropriate redress for these violations.
Product: Payday loan, title loan, personal loan, or advance loan

I never had a contract withthis debt collector for any debt. 
Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect or delete
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA, this creditor has violated my rights under 15usc 1681 section 602 states I have the right to privacy 15usc 1681 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end and consumer plan as late for any purpose. XXXX XXXX XXXX XX/XX/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
Product: Mortgage

I was married with a second mortgage on a home. We divorced 10 years ago, she remained in the house. The second mortgage was n't getting paid and was charged off in XXXX of 2013. She went to sell the house and the bank would only accept a payment of $ XXXX for the balance of the charged off loan ( $ XXXX ). We offered to pay the full balance because there was $ XXXX plus in equity. The bank refused the money and we paid the $ XXXX Now the bank is reporting this as a short-sale. This was not a short sale due to the fact that we walked away with $ XXXX at closing. There was more than enough money at closing to pay this debt and we offered to pay the debt. Also, with the charge off, I had already written off the $ XXXX in my taxes as an income.. Is this bank able to collect money on a short-sale that has been written off? Im try to get another mortgage now and move on in my life and this " short sale '' is holding me back. I would like this removed from my credit reports.
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. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXBalance {$1200.00} XXXX XXXX
Product: Credit reporting or other personal consumer reports

This accout has inaccurate info on it from the original report screen shot I demand this account be updated to paid on time never late they have reported the late payments with inaccuracies Which makes the late payment invalid and u are breaking the law and violating my rights all info will be saved copied for court 1681 1681s-2. 1681eb. 1681i5. 1681i7. You are not allow to report info with inaccurate information accout name XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of a fraudulent public record on my credit report, which is currently being reported by your bureau. Despite my submission of a dispute letter and the required documentation to the Federal Trade Commission ( FTC ), this fraudulent accounts continue to appear on my credit report. Upon discovering this fraudulent accounts, I immediately submitted a dispute to the FTC and provided all relevant documentation to support my claim of identity theft. Despite this, the accounts remain on my credit report, causing significant harm to my creditworthiness. 

I kindly request that you conduct a thorough investigation into this matter and immediately remove this fraudulent accounts from my credit report. The continued presence of this fraudulent accounts is unwarranted and damaging to my credit standing. Please delete these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is regards to XXXX XXXX reporting inaccurate information on XXXX XXXX XXXX consumer credit report. As of XX/XX/XXXX, this account with XXXX XXXX XXXX XXXX shows an open account. I have disputed this account multiple times, and I ask XXXX XXXX, and XXXX XXXX to validate this debt. As of XX/XX/XXXX, XXXX XXXX or XXXX XXXX has not validated this debt. XX/XX/XXXX, I reached out to XXXX XXXX and spoke with XXXX the representative at XXXX XXXX, XXXX confirms there is no balance in their system shows for XXXX XXXX. XXXX than transfer me to a XXXX and he confirms there is no balance shows delinquency in their system for XXXX XXXX. Also, reach out to Tek Collect Agency, I spoke with XXXX the representative ; I asked XXXX to validate this debt of {$290.00} that shows on my consumer credit report because I do not recognize this debt. XXXX ask me to follow up with her within two weeks, she needs to reach out to XXXX XXXX to get documentation for this debt. XXXX confirms she did not have any documentation in their system to validate this debt. XX/XX/XXXX, I called back to Tek Collect Agency and I spoke with XXXX XXXX she asks me to call back around XX/XX/XXXX here system has no documentation to validate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of predatory lending with School XXXX XXXX was sent a letter by Student CU Connect informing me that I’m no longer responsible for loans and I have a XXXX balance. But company refuses to honor the discharge. And I was sent a letter that my dispute was denied by company XXXX. Student Loans Amounts in Total is XXXX dollars. XX/XX/XXXX loan amount $XXXX. , XX/XX/XXXX $XXXX,  XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX, XX/XX/XXXX $XXXX. This has been an on going problem for 10 years. And I would like to be able to get my life back. I’ve reported to all bureaus and was denied of my disputes.
Product: Credit reporting or other personal consumer reports

I sent your company a letter disputing account number XXXX with XXXXXXXX XXXX on XX/XX/. I received a response from you dated XX/XX/XXXX  where you stated that the item had been deleted. Please see copy of both letters enclosed. After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted item can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 
The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 
I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the item has been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 

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

Under 15 US. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer reports no consent is identity theft Under 15 US Code 1681a ( 2 ) ( b ) Exclusions from a consumer report this account is in violation any credit transaction supposed to be excluded from a consumer credit report, if a social security card was used in this transaction.
Product: Debt collection

On XX/XX/XXXX, I received a debt collection notice from National Credit Systems ( NCS ) in XXXX, GA. I contacted them explaining that this was not a debt I incurred and is probably identity theft. They instructed me to contact the company that issued the debt. I spoke with the XXXX XXXX XXXX Apartments Assistant Manager who helped me understand what was going on. She believes it was identity theft as well, and said she would contact her person with NCS. She said they would get in touch with me. She sent an email to a XXXX XXXX XXXX with the company on XX/XX/XXXX. 

I would continue to not receive any correspondence from the company between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, a voicemail was left from an Idaho town of XXXX residents. This call would be from XXXX from XXXX. I called them to discuss the debt and they informed me they spoof their numbers because " nobody picks up XXXX numbers ''. I had received another debt collection notice from XXXX on XX/XX/XXXX and left a voicemail with a mister XXXX XXXX who was on the collection notice. 

I am writing this complaint because I had been called XXXX times from this debt collection agency using a spoofed number in the month of XXXX. No voicemail was left identifying themself as an attempt to discuss the debt I have fraudulently been assigned until XX/XX/XXXX. They have then moved to place a collections notice on XX/XX/XXXX on my credit file while I have repeatedly claimed that the debt was incurred under fraud. They had never informed me of my rights to dispute the debt even when I repeatedly claimed identity theft both in writing and over the phone. The collection letters do not disclose I have a right to dispute the debt. They officially instructed me on what I must do to dispute the debt on XX/XX/XXXX when they left the voicemail. 

Between not informing me of my rights, using a spoofed phone number to contact me, and not taking my claims of identity theft seriously, I am writing this complaint.
Product: Credit reporting or other personal consumer reports

On XXXX I received a notification about a hard inquiry on my credit report from AAdvantage Aviator XXXX XXXX XXXX XXXX XXXX also known as Barclays. 

I called the company to notify them that the activity was fraudulent and they notified me that the account has been closed, but they would need to do an investigation that could take up to 45-60 days before it reaches the credit bureaus, especially XXXX XXXX since that is the only one the inquiry is currently being shown on. 

XXXX is telling me they need a letter, but I can't provide a letter that I don't have from the lender and I want the inquiry removed from my report ASAP. 

So essentially my complaint is against both the lender and XXXX for this inconvenience. 

Lender info is XXXX
Product: Credit reporting or other personal consumer reports

Please check the information concerning the equifax data breach below in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an inaccurate account on my credit report from XXXX XXXX XXXX. They are reporting absolute false info, by stating reporting that I had an installment account with them, even showing 36 on time payments thru XX/XX/XXXX, then defaulting to a charge off status after that. There has NEVER been an installment account with them. I even confirmed this by phone with XXXX XXXX XXXX, and supposedly XXXX with XXXX documented such facts so that it would be reported when disputed. This account was an " overpayment '' of a Pell Grant given to me in XX/XX/XXXX when I was attending XXXX XXXX. Then billed me for overpayment of {$180.00} for 120 days, before turning it over XXXX XXXX XXXX to collect. I have disputed this on THREE separate occasions with both XXXX  and Equifax, demanding they do their job and investigate this false reporting, however, XXXX XXXX XXXX continues to " verify information as correct, '' and the Credit Bureau continues to accept such false verification without the documentation I have requested validating the accuracy of the account. They have continuously violated the FCRA sections 611 and 623. I filed a complaint with CFPB on XX/XX/XXXX ( XXXX ) and complaint was closed advising me to deal with XXXX XXXX XXXX regarding issue. Clearly it wasn't noted that I had already made several attempts to do that, hence my seeking help from them for a resolution. Therefore, I have sent it to the CFPB Ombudsman for second review. I was advised to file separate complaints for each credit bureau.
Product: Vehicle loan or lease

I co-sign for a friend and due to him being late my credit going down and down I didnt agree to this at all how can this be fix? 

CHRYSLER CAPITAL Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details.