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

I reported an invalidated debt on my XXXX  credit report from the credit reporting agency, Congress Collection. This company has failed to report an accurate account of the balance, and has not removed this derogatory remark from the credit file. Further, this account has been paid in full - Confirmation # XXXX.
Product: Vehicle loan or lease

I am a XXXX XXXX  employee in XXXX status due to the XXXX. Toyota Financial Services has offered help to those affected that have good standing loans/leases with them. My lease is in good standing. 

To my surprise, they offered me a 60 day deferral ( moved to end of lease ), for a fee of approximately {$290.00}. I was shocked! They are not helping us, they are helping themselves to additional charges to XXXX XXXX that are vulnerable. 

I have contacted 3 other financial institutions that I have business with. All agreed to defer one or two months, interest and fee free. 

This is wrong.
Product: Debt collection

Capital link management contacted my aunt about a debt. Revealing the amount owed and the creditor to them. My aunt was never a part of the original transaction and her information was never on the account. I have attempted to reach out to the creditor and they wont answer their phone
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XXXX, XXXX, and equifax were all notified certified mail and notarized with an affidavit of truth, police report, w-2, and an invoice for violating my consumer rights pursuant to title 15 usc 1681b, reporting negative without the written consent of the consumer, also title 15 usc 1681c-2 , removing and blocking all reportings from alleged fraud in 4 days. according to title 15 usc 1681n and title 15 usc 16810, XXXX, XXXX, and equifax are civilly and criminally liable for their willful non compliance and negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter dated XX/XX/XXXX to Equifax with copies of my bankruptcy schedules, Case numbers, discharge dates, credit report, creditor report, trustee report, and dates of last payment on my account with XXXX XXXX. I originally filed XXXX XXXX under in XX/XX/XXXX for XXXX XXXX and the delinquent date of last payment on the account is XX/XX/XXXX. My bankruptcy was discharged on XX/XX/XXXX. All creditors were informed, during this time XXXX XXXX never attempted to collect the debt. I filed again for XXXX XXXX bankruptcy as joint with my husband. I listed XXXX XXXX again as a creditor ; however XXXX XXXX did not file a claim as a creditor even though XXXX XXXX received notification from the bankruptcy court, so no payment was made to them. What XXXX XXXX and Equifax have done is to re-age my credit report from the last payment of XX/XX/XXXX to XX/XX/XXXX, the date I filed my bankruptcy. They can not do this. This account is not showing on any other trade lines and I want it off my Equifax credit report. I have provided all of the information necessary in my letter of XX/XX/XXXX and Equifax 's response of XX/XX/XXXX is unacceptable.
Product: Debt collection

Midland Credit is attempting to collect on a debt and I have no affiliation with this collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from Experian shows a credit inquiry for a new checking/savings account from XXXX XXXX XXXX XXXX dated XX/XX/2022, however I have zero knowledge of this account nor did I initiate a credit inquiry for this account, the bank is located in Utah and we live in Florida.
Product: Mortgage

On XX/XX/2022, I was kicked out of Loss Mitigation with no reason given to me. The entire time I was in the program, they repeatedly told me to just wait to receive modification paperwork to sign. I never received this paperwork after months of me calling to obtain it to fix my mortgage. Despite their knowledge of me not receiving any paperwork, my loan was still removed from Loss Mitigation and is now being reported to my credit bureaus in violation of guidance regarding Covid assistance. 

Currently, I have secured assistance from the " XXXX XXXX XXXX XXXX '' program to pay my past due balance. Now, Cardinal Financial is doing the same thing as prior. They will not respond to the program to secure the grant. Based on this, I requested a face to face interview and have yet to be granted an in person or virtual interview as required. 

Cardinal Financial will not work with me to make arrangements on my federally funded home loan. This is an intentional and discriminatory act to take my property.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a XXXX XXXX XXXX that is very old. We have tried to get that off of XXXX, XXXX and XXXX. It keeps staying. It says it is past due. It should be off of the Credit report. This is {$460.00}. We need this off. It is from XXXX. 

Also, It is bringing the score down. We tried to get a lower interest rate, but XXXX keeps this on there. 

There is also a Collections from First Point Collection from XXXX. We have tried to get this off, because we never received a bill from XXXX. First Point Collections keeps that on there. It is not ours. This is {$180.00}.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I transferred {$3800.00} of XXXX from my investment wallet ( XXXX XXXX  ) to my Venmo XXXX Wallet. The next day, XX/XX/XXXX, I transferred another {$3900.00} from my same Trust XXXX wallet to my Venmo XXXX wallet. The purpose was to eventually sell the XXXX, now in Venmo, and use the funds to pay for a cruise and additional expenses. I did not plan on selling the XXXX until Monday, XX/XX/XXXX, and then pay for the cost of my cruise using my Venmo debit card. After transferring the XXXX to Venmo, the value had increase by over 6 %. I decided it was best to go ahead and sell the XXXX after making enough to cover the sales fee of {$90.00}. This is nothing new. I have transferred Crypto funds to Venmo in the past, large amounts as well. All the sales and transfers were instant. Crypto sales are immediately available after clearing the XXXX usually within an hour. This time on XX/XX/XXXX, the XXXX sale was processed, and Venmo placed a seven day hold on the funds " pending settlement of the funds ''. This is a misleading statement as there is no such thing as XXXX sales taking that long to settle. Venmo likes to make up rules and use them to their advantage, never having concern about the immediate needs of their customers. I expected and was lead to believe, based on all other sales and transfers, that my XXXX sale cash would be available immediately and not seven days later. I've been trading XXXX for over three years, and never have I had a hold placed on the funds.
Product: Credit reporting or other personal consumer reports

I have tried Hard to communicate with Equifax XXXX XXXX. They have stated so many times they have reviewed my documents however!!! I have XXXX issues the first is my credit report on Equifax is reporting as zero like I dont even have any credit!! As a result I am getting denied for a Equifax error!! I called the company they need another copy of my ID which I have enclosed so if they know that I am a victim of identity theft then why are they reporting this fraudulent information!! They have fraudulently reported information on my credit report!!! These are not at all my bankruptcies at all!! # XXXX and # XXXX!! You cant even filed that close together so they should know its a lie!! Please have a human to verify instead of a machine!! I have court documents enclosed as well!! I have never even lived at the addresses they are reporting!! Its someone with my similar name and birthday!! You already have a police report on file!! You cant even legally file bankruptcy that close together can you please stop reporting fraud and inaccurate information on innocent people!! There are XXXX inaccurate bankruptcies appearing in my consumer report Bankruptcy # XXXX and # XXXX. Nevada Bankruptcy court stated this is an error or a lie!! I have never lived at those addresses this is fraud!! My purse was stolen my identity was compromised, I was involved in a Data Breach and they know that so please!! Respectfully if they dont delete this today I will seek legal action!! I should also be entitled to compensation for this inconvenience and also it is causing me mental anxiety but, due to this stress and this error or lie on my report fraudulently I should be entitled to compensation according to the FCRA I am entitled to a fair credit report!! Equifax is in direct violation of the Code : 15 USC 1681, 1682!! Delete this immediately today you are in direct violation of reporting inaccurate information!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Account # XXXX, Account # XXXX, # Account # XXXX have 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: Debt collection

I am not liable for this account. I do not have a contract with XXXX XXXX XXXX XXXX XXXX, they did not provide me with the original contract as I requested with my wet signature and ID verification.
Product: Credit reporting or other personal consumer reports

Despite my three written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. In the results of your re-investigations, you stated in writing that you verified that these items are being reported correctly? You still have not identified who in your company verified the accuracy of these accounts or how they verified them? 




As previously pointed out to you, XXXX XXXX XXXX, XXXX XXXX, 1990, defines Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

Your failure to provide me with verifiable proof required for your company to post the accounts listed below is evidence that it does not exist and therefore is proof that you cant properly Verify the accuracy of any of the disputed accounts. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

Due to your continued willful disregard of the law I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted XXXX days. 

XXXX XXXXXXXX XXXX # XXXX XXXX XXXXXXXX # XXXX XXXX  XXXX # XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX XXXX XXXX # XXXX.
Product: Mortgage

My aunt passed away in XX/XX/XXXX. It is now XX/XX/XXXX. She had a reverse mortgage that was being serviced by NOVAD Consulting. I have been in contact with them for months in attempts to take over the home. The last time I heard from them was around the beginning of XXXX. They sent out an appraiser to gauge the value of the home on XX/XX/XXXX and I haven't heard from them since. 

They've said you have a certain time limit after your loved one 's death to get all of this done. It's been almost a year and I have not gotten anywhere with this. There are multiple emails and correspondence that we've sent back and forth. I can't even count them all. I first reached out to them on XX/XX/XXXX. Our last communication was Tuesday, XX/XX/XXXX. Since then I've sent XXXX emails to them because reaching them by phone is impossible. The wait time is hours long and they encourage you to send emails. I don't know what else to do but I refuse to lose this house because of their negligence.
Product: Money transfer, virtual currency, or money service

I did not authorize a few Cash App transactions. There was a {$27.00} transaction that was made on XX/XX/22 at XXXX that I did not authorize. There was another {$130.00} transaction that was made at XXXX on XX/XX/22 by the same user. Also, there was a {$200.00} was a receipt from XXXX that didn't even go through because I was told Cash App was down at the time. The person that scammed me made it seem as though she would deposit into her Cash App for me and wire me the money through to Cash App. However, she never did. I was defrauded by this person by both wire & check fraud with a 2-day timespan.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX SS # XXXX, Consumer Date of Birth : XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Equifax, XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXXXXXX XXXXXXXX XXXX XXXXXX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX with a balance of {$1200.00} that appears related to the aforementioned These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the XXXX credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address is XXXX XXXX
Product: Credit reporting or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN!
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, I have been fighting all three reporting bureaus in regards to them reporting on my credit file three accounts that has nothing to do with me whatsoever. They are reporting two accounts with XXXX XXXX XXXX credit card, which I never applied for and also XXXX XXXX which was discharged in my bankruptcy in 2013. I was not living in the country and I have submitted proof of my passport with visas stamped showing the month and year out of the country and returning in the country as well. This is getting very frustrated and unjust in the part of these reporting agencies that are abusing citizens. They are the main one allowing for customers to be scammed, being taken advantages of by selling our information and not protecting men and women. 
They also are reporting a bunch of inquiries on my account, however I was able to remove all from XXXX  but Transunion and XXXX are the worst reporting inquiries that are fraudulent and when again I was not in the country for several years due to medical issues. I need your help please, even on making an action lawsuit against these companies please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute erroneous accounts on my credit reports with XXXX, XXXX, and TransUnion but have never received a response from the credit bureaus. I have attached the latest letters sent to the credit bureaus. Below are the certified mail receipt numbers for evidence that the credit bureaus have received the letters. 

Certified mail receipt numbers XXXX XXXX  XXXX TransUnion XXXX XXXX
Product: Credit card

XXXX separate times I have made reservations with XXXX resorts. When filling out the payment information there is a pop up that says if you are approved with a credit card from barclayus you can save XXXX XXXX dollars on this reservation. Both times I have been approved and although it states it will take you back to the site it does not. I called Barclay and XXXX and sent letters to both and received no resolution or compensation. I believe they are merely trying to gather personal information and I am probably one of many victims of their desceptive practice. The XXXX incident was in XXXX/XXXX/2015 in my name and XXXX one was XXXX/XXXX/2015 in my husbands name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX is mistakenly reporting to all XXXX credit bureaus an account that isn't mine. I have requested for many years that they provide an original contract with my signature proving the account is mine, but of course they can not because it doesn't exist. So I have requested many times that they remove this bogus account but they refuse. I have also asked the XXXX credit bureaus to remove it, but they won't saying the creditor " says '' it's mine. SAYING IS NOT PROOF. They can not provide an original contract with my wet signature, thus the account it not mine. They have caused me serious financial damage by destroying my credit score with their mistake/fiasco. Please make them remove it immediately from all XXXX credit bureaus. With sincere thanks.
Product: Credit reporting or other personal consumer reports

I called venture auto finance about the credit bureaus reporting late payment on my credit report and was told they informed them about my on time payment every end of the month
Product: Credit card or prepaid card

When I first Got approve for A XXXX card my credit limit was {$1000.00} and then 2 months later they decrease my credit limit down to {$100.00} and said the bank did it because of delinquent payments on my credit which is not true because I do not have any delinquent payments on my credit I pay all my stuff on time. I think it is unethical for this bank to falsify false information that is not on my credit.
Product: Debt collection

XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX PHOENIX FINANCIAL SERV XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PHOENIX FINANCIAL SERV XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case XXXX XXXX, in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX XX/XX/1984 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX