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

I was a victim of identity theft and was made aware by XXXX XXXX banks incompetence. They caused me to lose thousands of dollars by not accepting my disputes but i then became aware of my identity being stolen charges made on credit cards and accounts open. I contacted the FTC and was reassured that the evidence was more than sufficient and I should have my credit back to normal by 2019 but have not heard anything and Ive had to resubmit disputes. XXXX  is being responsive but slow and I have to file new reports one at a time. Equifax and XXXX  have been unresponsive please help.
Product: Mortgage

PHH Mortgage company has not paid my taxes for XXXX. I have been calling them since XX/XX/XXXX, XX/XX/XXXX XXXX XXXX, XXXX, I have also sent mutiple emails. But they still havent paid my taxes on my home for XXXX  and I am incurring late fees. They have know problems collecting my escrow money. 
They said they tried to call XXXX XXXX XXXX for amount. This is a lie I can view the amount on XXXX website for XXXX and XX/XX/2022.
Product: Debt collection

Allied Interstate calls my spouse 's phone repeatedly and continuously using various different phone numbers. In fact, my spouse has XXXX different phone numbers now in her phone as a " contact '' for Allied Interstate. Just today, they have called 3 times in 3 hours between XXXX - XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion suspended my acct when they updated there website which I was informed of on XX/XX/year>. My acct is frozen and I will need future access to this acct. Just getting the run around on there site ... .. such XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect hard pull on my credit report from transunion. 


XXXX XXXX pulled on XX/XX/XXXXXXXX XXXX XXXX pulled on XXXX XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX on all 3 of my credit bureau, that needs to be removed. I have called for help and have not received the help that I need for this to be remove from my credit with all false information. this account Is not mines and need to be remove from transunionXXXX XXXX  XXXX .how can a close account report negative information. 

I hep moving these incorrectly information from my credit.
Product: Debt collection

Hallsead FinanciaXXXX a Debt collector disclosed my debt to a family member via text message with a link to my debt. I got the same text on the same day, but can't understand why they would send to my friends or family members. Even though I've only had 1 phone # the last 10+ years. This is bad business practice.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Tranunion I have ask them to remove an account that is showing past due and it is not. The credit card has been paid in full and I have told them. That on my credit is causing my credit score to go down. And I have never been late on my payments.. XXXXXX/XX/XXXX is the name of the card that has been paid in full and now showing late.. XXXX XXXX.Both account are closed as well.
Product: Credit reporting

XXXX accounts ending in XXXX and XXXX, have incorrectly listed dates of when they became past due. Due to the failure of the XXXX, the original creditor, to report the correct first date of missed payment, to the consumer agencies, the date of removal from my consumer report is incorrect. I have attached direct correspondents with XXXX a representative of the XXXX, and the person that reviews these disputes. 

In the correspondence XXXX clarifies that the due date for the account ending in XXXX was XX/XX/XXXX, thus establishing the date of first delinquency. This is in divergence to the date of XX/XX/XXXX reported to the consumer agencies. XXXX establishes that the date of XX/XX/XXXX is actually the date that the past due account was forwarded to a collection agency. 

For the loan ending in XXXX XXXX establishes that as the guarantor of the loan the XXXX purchased the loan that was already in default and subsequently transferred it to a collection agency. The date of Advance to the collection agency, XXXX, is XX/XX/XXXX, that is also the date listed on my consumer report as the open date, and the erroneously used to determine the fall off date. The correspondence establishes that the date of first missed payment that leads to the cause of action happened well before the university purchased the loan as the guarantor. XXXX also establishes that the original advance date of the loan was XX/XX/XXXX : clarifying that the institution that she represents and is reporting to the consumer agency is unaware of the date that leads to the cause of action. 

Furthermore, XXXX in a preceding email states that these accounts should fall off my credit report in XX/XX/XXXX, seven years from date of last activity ( paid in full ) instead of the date of delinquency, indicating that she is woefully unfamiliar with or disregarding the FCRA. I have now made multiple attempts to have these issues rectified, directly with XXXX and with the credit bureau, and thus far have only been able to have debts erroneously reported as still owed marked as paid. 
The credit bureau has failed to investigate the claim, instead they suggest that I dispute the item each time I speak with them. That has worked to no avail as they close the dispute after the XXXX states the information is correct, even though the documentation submitted to the credit bureau shows otherwise.
Product: Debt collection

TrueAccord Corp. is in violation of Texas DCA, FDCPA, Privacy Act as well as other Federal and State violations. I demanded for them to cease and desist their misleading communications using false allegations without verification 15 U.S.C. 1692c ( c ). I request valid verification by sword affidavit or signed declaration. This company is trying to extort money from me as well as traffic my information. I have no business with them nor have I authorized any such actions against me. This is abusive business practices using my private information causing more exposure of my principal identity. This is a breach of my privacy and theft of identity. This company should be fined and I will do what ever it takes to open all necessary investigations with the regulatory agencies as well as claim against their bond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the app XXXX XXXX to keep track of my scores. I recently logged on and saw 2 unknown suspicious accounts that were opened under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts because my credit was ran multiple times. These 2 accounts and inquiries were not made by me. Please take these unknown items off my report.
Product: Credit card or prepaid card

The issue has yet to be resolved. They have not solved the reason for why my name was associated with an incorrect address. See issue below. 


I have just learned that Capital One had an INCORRECT address on my file, which was the reason I had a fraud alert on my account and was put through chaos trying to activate a credit card ( for which I ultimately cancelled ). An address that was my father 's rental property ( for which I have ZERO ... .ZERO ASSOCIATION! ) ... .. I have never lived there, I am not on the loan, etc ... .there is NO record of me with that address ... .and yet Capital One had this address under my name. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA How do I know this????? The fraud dept sent a letter to the address ( tenant ). The tenant sent the letter to my father, who then forwarded it to me. I verified with XXXX  and XXXX  that this address does NOT exist on my address history. How did CapitalOne get this address associated with my name??? Total incompetence from most of Cap1 's customer service. I have closed all accounts, but I want a resolution on how this misinformation was added and then used to deny access to activate a credit card.
Product: Debt collection

Today XX/XX/year> I called and sent them proof I paid. I asked them to provide a receipt or confirmation via email that they received it. They are not sending any proof or confirmation that I requested many times in the event they do not fix my issue I wont have any other way to prove it. They can easily state they never received since I have no confirmation and they are stating they can not send it to me. Very shady practices and not really surprised as a collection agency, have seen many other bad reviews on them as well. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit bureau was pulled by  XXXX   XXXX   XXXX  on      XX/XX/2015 .   I do not recognize this company and have been the victim of identity theft. I asked they provide a copy of my drivers license to prove it was me requesting credit to which they refused to provide.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions. Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I have been submitting over 20 dispute letters in the past two years to experience. Not once were they able to comply with the regulations and remove the falsely reported XXXX  XXXX XXXX account on my credit. I have attached every response letter I was able to find where you can clearly see that not once were they removing this account. I have been extremely patient and follow the regulations of the 609 law that protects my rights. However Experian failed over two years to remove a single account. This is why I refuse To communicate with experience in order to resolve the issue and have been addressing CFDP in order to assist me with this matter. If you need any additional information please let me know. 



This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( iii ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; I am disappointed that you have failed to maintain reasonable procedures to assure complete accuracy in the information you publish, and insist you comply with the law by providing the requested information within the 30 days allowed. 

As a matter of convenience to you and to expedite my request, I am resubmitting my request to correct my credit report. 

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

On XX/XX/2017, i, sent out dispute letters certified mail to XXXX, XXXX and Equifax with return receipt with time, dates and signature received .On XX/XX/2017 XXXX and XXXX received dispute letters, Equifax received dispute letters on XX/XX/2017. I, mailed verification request to verify inaccurate information on my credit reports.The inaccuracies ; a Bankruptcy Chapter XXXX dismissed / clsd and a Chapter XXXX Bankruptcy discharged, Along with XXXX/XXXX account listed included Chapter XXXX Bankruptcy discharged. I have asked the 3 credit Bureau to give me the furnisher of the information on the two public Bankruptcy and the XXXX account that 's included in the bankruptcy, I asked specifically for the name, number of the person that they verified this information with. According to FCRA laws, I thought i was entitled to this information. the 3 credit Bureaus completey ignored my request alone with previous request. all 3 credit reporting Bureaus sent back a letter stating the items are accurate. They also stated that the furnisher of the information is the US Bankruptcy Court - XXXX. I have written document from the US Bankruptcy courts states that they do not report or give out information to the credit reporting bureaus,states they use 3rd party database collectors to get and sale public information, I feel that all three credit bureaus has violated me and the FCRA Act, by giving incorrect false information about how they verified my request. And by NOT validate the accuracy they claim to have. The credit Bureaus should have to remove any derogatory information they are reporting. Completely because they are not validating any documentation not even bearing my signature and penalty and violations should be impose on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to fix the issues with my Equifax report but the company continues to list the wrong information on my report and their investigation is false. The are names on my account that are not me XXXX XXXX XXXX, XXXX XXXX XXXX. There are XXXX inquires that aren't mine XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/2021, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. There are two student loans listed that aren't mine US DEPT of Education {$4100.00} account ending in XXXX, US DEPT of Education {$2400.00} account ending in XXXX. Bankruptcy XXXX XXXX I have contacted Equifax on numerous occasion regarding these issues. I also have a tracking number from the letter that I sent with my credit report to the company XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/XXXX INQUIRY XXXX/XXXX   XX/XX/XXXX INQUIRY XXXX XXXX  XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY XXXX XXXX XX/XX/XXXX INQUIRY This information does not relate to any information that I have made. I have enclosed a copy of my IDENTITY THEFT REPORT. In addition, I have enclosed a copy of SECTON 605B of the FAIR CREDIT REORTING ACT, which details your responsibility to block fraudulent on my credit report resulting from IDENTITY THEFT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. XXXX, XXXX, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

United Collection Bureau account number : XXXX 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 adversevitem of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C Apersonshall not furnish any information relating to aconsumerto anyconsumer reporting agencyif the person knows or has reasonable cause to believe that the information is accurate
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 takr timely and effective measures to prevent a address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proces was unfair and deceptive, as they did not XXXX  comply
with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Vehicle loan or lease

The car I have financed with Westlake Financial Services was paid off by my insurance on XX/XX/2020 due to a total loss. The check has been received and cashed by Westlake but it has not been applied to my loan. Westlake has stolen a {$26000.00} check and is still billing me and charging me interest.
Product: Debt collection

I received a bill from a debt collection agency, Gulf Coast Collection Bureau, XXXX Fl. after looking it upon the net it seemed legit. I called the actual provider of the service ( XXXX XXXX ) and found I have no outstanding debt.
Product: Credit reporting or other personal consumer reports

ON XXXX EQUIFAX RESPONDED TO AN ACCOUNT DISPUTE WITH THE INFORMATION BEING VERIFIED. I CALLED EQUIFAX AND EXPLAINED THAT THE INFORMATION COULD NOT BE VERIFIED BECAUSE THE ACCOUNT IS BEING REPORTED INACCURATELY ON MY CONSUMER REPORT. THE ACCOUNT NAMED XXXX XXXXXXXX XXXX HAS SEVERAL INACCURATE LATE PAYMENTS AND A CONTINUOUS XXXXDAY LATE HISTORY FOR SEVERAL MONTHS WHICH IS NOT ACCURATE. THE FCRA STATES THAT IF THE INFORMATION ON A CONSMER REPORT IS INACCURATE IT MUST BE UPDATED OR DELETED. THIS MISHAP HAS CAUSED ME TO BE DENIED A HOME, PERSONAL LOANS, AND CREDIT CARDS NEEDED TO STAY ALIVE AND WELL. I DEMAND THAT THIS ACCOUNT BE DELETED IMMEDIATELY, I AM NOT REQUESTING A REINVESTIGATION. EQUIFAX HAS HAD THAT OPPORTUNITY ALREADY.
Product: Mortgage

I paid off my home on XX/XX/XXXX They supposedly mailed my escrow check to me on XX/XX/XXXX. I have never received it and it's now the XXXX. I think they are fraudulently holding on to my escrow XXXX and gathering interest on the money. I don't believe they ever sent a check. They have no tracking number for the envelope. This isn't the first time I have had problems with them when I paid off my house for a few days they tried to say that I owed more money. When I persisted they finally admitted they had made a mistake and misplaced my money. Whenever I call there to find out what I going on with my check someone answers the phone that can't even speak good English so I can't communicate with them and I'm given the brush off about my money. I'm also terrified I won't get my deed in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting an account where I am shown as an Authorized User on XXXX - partial account number ****XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue, however I have not been successful.
Product: Checking or savings account

The company violated the federal law by having fake 1-800 numbers when the whole time they had no operator to help their customers. Majority gave their socials and personal information to possible hackers
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX  XXXX XXXX {$470.00} XX/XX/XXXX XXXX  XXXX XXXX {$3000.00} XX/XX/XXXX XXXX CREDIT XXXX XXXX {$1200.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX DEPT OF ED / XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX  XXXX {$120.00} XX/XX/XXXX XXXX  XXXX {$85.00} XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

information being reported on my consumer report that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXXXX XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX  XX/XX/XXXX - Unauthorized Inquiry XXXX XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry XXXX XXXXXX/XX/XXXX - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this