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

I was recently looking at the credit report that my loan officer pulled and there is a huge discrepancy being reported about this child support account. Number : XXXX This is constantly reporting negative information that is dropping my credit score. I was given a much higher interest rate for my loan than I deserve with a XXXX plus credit score. The loan officer mentioned this account is the reason why. 
The account is showing that I have late payments on my child support every month however this is not true. The account is on automatically taking out the money from my checking account every week and I have not missed any payments ( SEE ATTACHED ) I have previously disputed this account with all 3 bureaus explaining the error and XXXX and XXXX DELETED this account EXCEPT for Experian. I have been writing to Experian several times this year and as I recently checked my credit at the bank, they are saying this inaccurate account is still there. I need Experian to be held accountable for disregarding the investigation requests. I understand that inaccurate or unverifiable accounts must be deleted as per Section 611 ( 5 ) ( a ( i ) if the Fair credit reporting laws : Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer I need this deleted for violating my rights and Experian NOT conducting a complete and fair investigation of this account.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance Owed : {$3500.00} XXXX XXXX XXXX XXXX Balance Owed : {$1200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX Wrong Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed on my credit report. As a victim of a data breach, I did not authorize the accounts or inquiries outlined below.

Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these items be investigated and removed from my credit report promptly. 
Fraudulent Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX - {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$560.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX - {$450.00} Fraudulent 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
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.
Product: Vehicle loan or lease

I refinanced an auto loan with Capital one in XXXX XXXXXX/XX/year>. They assumed the loan and then told me i had to go to my XXXX XXXX tax office to change the name on my title, and remove my company name. They made an appointment for XX/XX/year>, i went to the office in XXXX Texas and was told they don't accept anything like that, and XXXX XXXX Tax office does not make appointments. After several calls with Capital one, they do not have my title or have any idea here it is. I paid off the car in full in XX/XX/scrub>XXXX XXXX I would like Capital one to provide me with a title.
Product: Vehicle loan or lease

My wife and I leased a new vehicle and were told to wait for documentation from Chase auto regarding the payments. We waited, nothing came, I started getting several calls a day, I answered, the automated calling system immediately asked for my account number ( which has not been provided yet ) or my social security number. I call the number back and have the same options. I will never provide my SSN to an automated system so I'm not sure what they expect me to do. I did get through to an agent who confirmed my address was correct ( I have also received plenty of mail from the dealership ) and advised that I need my initial billing statement to know where to send my payment, how much is due, etc. I keep getting calls and want to pay but I will not compromise my identity or banking information in the process. 

I'm also not certain this is not a SCAM attempt at this point. I receive calls from ( XXXX ) XXXX.
Product: Credit card or prepaid card

I have not being using my American Express credit card since approximately 2014. I have not received statements since because the American Express customer service will not change my mailing address or send me a new card after I had been living in XXXX for a while. Amex had my bank account information and they had been withdrawing from my account payments for the credit card but I never received an statement or had a credit card. When I called American Express customer service on several occasions they wouldnt fix the problem. I have recently received a new card and they will still have my wrong mailing address after several phone calls. They also have stated that there are charges made to my account which I didnt incur. I have not received statements since approximately 2014 and they have sent credit cards and statements to the wrong address. Someone else has been using the card and the American Express representative said that he couldnt help me since I am transfered to the department for lack of payment. It is an abuse to customers and I told them to cancel all cards. Apparently there is more than one card in their system and I dont know who is in possession of those cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Put a collection account on my credit that is not mine. I want to see the original documentation. I never signed for a Pay day loan. Also have gotten calls from this company threatening me. I want this removed from my account immediately.
Product: Credit card or prepaid card

i got a statement from my bank when i tried to raise my credit line they sent me a paper that said i was turned down because of late payments on one of my accounts. i have never been late on any of my credit card or loans payments. so when i got my credit report it said i lived in georgia and had a phone number in georgia which i never did and the late charges started when my account address and phone number changed to georgia. plus if you look at where all the charges were made they were all made in georgia. i called the company and told them i never lived in georgia and i never had a phone number in georgia and i never made the charges on my account. the company said that all info was correct and said there was no fraud
Product: Money transfer, virtual currency, or money service

With no notice or reason given, I have been locked out of my Coinbase account. I changed my password to the account and everything seemed fine. I went to login and was directed to a page titled " Account Disabled '' and a message that said to send photo of ID and proof of address, which I sent to support email as prompted, and have only received auto-replies directing me to trouble shooting page since. The support page give no details on disabled accounts or what to do. I submitted a complaint on the support page as well and still only received auto-replies. It has been well over 72 hours since my account was disabled and Coinbase have provided me with no information on my case, what I can do to resolve the case or even why the account was disabled in the first place. This restriction already prevented me from a planned purchase of Ethereum, which I had planned to purchase at {$160.00}. Ethereum is now trading at {$230.00}. In addition I am further prevented from securing my Bitcoin to cold storage before the XXXX XXXX fork.
Product: Debt collection

I have pulled my credit report and see XXXX XXXX XXXX has listed 12 debts they say I owe from the state of XXXX. I now reside in the state of XXXX, which is a closed boarder state for collections. I understand they are not allowed to contact me for any collection purposes by phone or mail. It is a violation of the Fair Debt Reporting Act to continue reporting a debt to the credit reporting agencies if it is not validated. I sent a letter to XXXX on XX/XX/2018 asking them to validate the debt and if they can not to completely remove the debt from my credit file. Since XXXX  is a closed boarder state for collections, they were in violation of contacting me when they sent the XX/XX/2018 letter addressing the debt validation. They should not have contacted me which then should also have made them remove the debts from my credit reports and stop all attempts to collect the debt.
Product: Mortgage

Mortgage servicing company Fay Servicing stole {$4000.00} of my money that I wired to them in order to reinstate my mortgage at XXXX XXXX XXXX XXXX XXXX pa XXXX the property is still up for auction and they have not produced a received receipt for my wire. 

I have been working with this company for XXXX  years now and it has really effected my life in so many ways. 

please if someone can help me with reporting them and help with keeping my house from being foreclosed
Product: Credit card

I am currently being overcharged for late fees on a credit card that I am currently not using. I was not told anything about late fees or the excessive amount. Every month the late fee price is changed and Im not understanding why. As far as interest, i am being over charged for interest i was never notified of. Im suffering financially. I have recently lost my fianc and now trying to figure a lot out.
Product: Credit card or prepaid card

I am showing a 30 day late on my credit report in XX/XX/2018. I have never been late on this account, my account has always been set up on auto pay, if it was late it was not my error and I have always paid this account. Please remove my 30 day late.
Product: Credit reporting or other personal consumer reports

So, I tried to open a Credit Karma Money XXXX Account. Apparently the address on file with I believe XXXX did not match the address I gave Credit Karma. The address was that of one I lived at for one month, I am not even sure why it was reported as my address. I tried to fix this with both XXXX and Credit Karma and both of them refuse to address the problem. I want to deposit my tax return in the account because I do not have a bank account and am refused this as an option after fifteen years of loyal service to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in XXXX XXXX  and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date XX/XX/2022, XXXX XXXX XXXX XXXX TransUnion has not responded/ replied/ answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX XXXX XXXX I believe it was reporting in error.
Product: Student loan

I want to make it clear that I don't owe any of the reported debt to the companies reporting it. The original lender for my Federal Student Loan was Federal Student Loan aide, with whom I had an agreement. However, my account has been transferred to Navient, and then it was transferred to XXXX. I've been trying to get information regarding the debt from both Navient, and XXXX, but they have been ignoring all of my written correspondence. They even returned my loan to the original lender at one point, without providing me with the information I requested or responding to me. After XXXX  months of non-response, Navient reported me as late to the credit bureau for a loan for which they can not provide me with the promissory note bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted proof to XXXX that my loan with Citibank was paid in XX/XX/XXXX. The loan was initiated in XX/XX/XXXX. Citibank continues to provide the wrong information. Over the past two decades, I have received multiple letters from Citibank, and I have copies of my old, paper-version, credit reports. I have proved in multiple ways that my loan was paid. Nevertheless, Citibank is erroneously reporting that I was past due for 60 days in XX/XX/XXXX. You can't pay a bill in XX/XX/XXXX and have it past due in XX/XX/XXXX. I have asked them to correct this, and they are not choosing to do so. Since the credit agency has records revealing that this should not continue to be on report, they have the duty to correct it. I want either Citibank or XXXX to be accountable ; preferably, both agencies should work toward greater customer responsiveness and business accuracy. My first bank was Citibank, and I chose to stop banking with them entirely in XX/XX/XXXX because they do not appropriately manage their records. I expect this to be fixed immediately, or I will initiate a lawsuit.
Product: Debt collection

I am writing to alert the Consumer Financial Protection Bureau of a collections company that is violating my rights and not using proper communication methods when showing up on my credit report. I need the CFPB office to please look into my case. This account with a balance of {$100.00} has just popped up on my credit report without ever communicating to me. There was no written letter to me or calls to me so I can explain that they have the wrong person. They have recently just popped up on my credit report and I am not familiar with how they got my information or how they have my social security number. I do not owe this company and I Right now I am getting an alert on my XXXX XXXX and credit monitoring service saying my credit score has dropped tremendously. I can furnish the images of this alert showing the collections company. They are hurting me financially and this is a really big issue. To my understanding they must be compliant with laws and regulations that say they must write to the consumer within days of the first communication. They are using my credit to communicate with me yet they NEVER wrote to me before. If they don't write to me then how could they send me a right to dispute or explain my rights? Please review the original paperwork for this account. I request they send me a copy of this information to my address. I also request the original contract showing my signature long with all other pages of the original agreement. I am suffering damages because of this error. I have been a victim of ID theft before and I monitor my financial affairs very closely. To me this seems like an instance of debt parking that I read about on the FTC website. The Federal Trade Commission has taken action against debt collection companies that allegedly placed bogus or highly questionable debts onto consumers credit reports to coerce them to pay the debts. They label this as DEBT PARKING. The Federal Trade Commission recently took action against a Missouri collection company and its owners, alleging that they collected more than {$24.00} million from consumers, largely by placing bogus or highly questionable debts on their credit reports. 
The defendants used this illegal debt parking to coerce people to pay debts they didnt owe or didnt recognize, XXXX XXXX , director of the F.T.C.s bureau of consumer protection , said in prepared remarks about the agencys settlement with the company, XXXX XXXX XXXX . I DO NOT HAVE ANY BUSINESS RELATIONSHIP WITH THIS COMPANY and I am concerned they have unethicality acquired my information and they are acting unethically with their debt collections. There is a process in law that protects consumers from these illegal actions. This account is lowering my credit score and if I am declined for anything, I will seek financial remedy by talking to an fdcpa lawyer.
Product: Credit reporting or other personal consumer reports

I have become aware that despite submissions accompanied by an FTC report, reference number XXXX, the necessary file deletions have not been executed. In accordance with Section 605B of the FCRA, this certified letter is intended to establish grounds for legal action if necessary. Additionally, I have included a new FTC report with reference number XXXX. Should you fail to remove the inaccurately reported inquiries listed below, which arose from errors in credit reporting, I will transfer my documents to my legal counsel to commence litigation. It is not my desire to pursue legal action, so I urge you to comply with the statutory requirements and delete the unauthorized inquiries : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are hereby notified that you have four business days to expunge any inaccuracies in my credit report stemming from flawed credit reporting practices. I explicitly do not agree to the use of E-OSCAR or any automated verification systems.
Product: Mortgage

Insurance claim for wind damage to my property on XX/XX/XXXX Claim # XXXX XXXX issued a check with co-signature and I took the check to XXXX XXXX in the amount of {$8200.00}. XXXX XXXX sold my loan to Mission Loan ( # XXXX ) and assumed that the case was closed. I tracked down Mission Loan after several phone calls to ensure the funds insurance funds had transferred with the mortgage. I received {$2000.00} to begin work on my property through Loan Care ie, XXXX 

Work was completed and final inspection passed on XX/XX/XXXX. All documents were submitted to insuranceclaimcheck.com and I yet I have continued to fight for release of funds. 

I spoke with claims specialist XXXX on XX/XX/XXXX @ XXXX XXXX and she assured me that all documents were submitted correctly. XXXX XXXX was submitting a request to release funds to me ASAP. 

On XX/XX/XXXX I received a text from Loan Care XXXX XXXXXXXX XXXX " Loancare Check Status ; Documents are missing or incomplete. 

XX/XX/XXXX XXXX I called Loan Care and spoke with XXXX XXXX XXXX. She state that the proof of insurance was not recognized and would submit a waiver of the contractors license ( I had provided both the contractors license and proof of insurance previously ). XXXX XXXX reviewed the documents and submitted " funds to be released '' this afternoon. 

I informed XXXX XXXX that I would be contacting CFPB in the meantime as this process has not been resolved and has been ongoing for far to long.
Product: Credit reporting or other personal consumer reports

I have requested validation of debt at least XXXX times they send me a reporting debt was verified, but they dont tell me how it was verified or do not show any proof that my debt is valid. This is fraud and I am unable to move forward in any of my professions and personal goals of a home because of these
Product: Bank account or service

Hello, I have been banking with Bank of America for over 25 years. Today, I tried to log into my account and could not. I contacted Bank of America and I was informed that they closed my account for business reasons and there was no other explanation from them. I have never bounced a check, I have excellent credit, and I have never had banking related issues with bank of America. I have a lot of auto ACH transactions with BOA that have been set up for years and suddenly shutting down my financial life without any notice or explanation has created tons of problem for me. How can this be legal? Why wo n't they give me time to move my relationship, how can they create such a financial burden for me without cause or notice. This is unfair.
Product: Money transfer, virtual currency, or money service

I am 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 proce 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 XXXX XXXX financial loss, and I seek appropriate redress for these violations.