23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I am trying to get a home loan, my load originator helping us states I have a " Hard '' forclosure code on my credit report with Equifax because of a house we did a " Deed in Lieu '' with in XXXX XXXX. I contacted Equifax by phone and was told I have to put in a dispute and I did on XXXX XXXX XXXX. XXXX XXXX I got an email stating my dispute was resolved. I called Monday XX/XX/XXXX and was told my dispute was denied by the XXXX. That they state I still owe money. For one I disputed wrong reporting which was explained very clearly on my cover letter. I attached the Cash for keys XXXX and my taxes submitted to the Federal Government to pay my taxes on it. We also did have an Accountant do our taxes and submitted the correct paperwork with the federal government on this giving up the house to the bank. I was not foreclosed on and with that I should be free to buy a home right now vs waiting 7 years. The other person i bought my house with is not having these issues. His credit report is showing forclosure but according to our loan officer it is mine showing a " hard ''. I have lost faith that the Equifax will ever help me correctly in changing the code on my credit to a " Deed in lieu '' vs a foreclosure and would like you to help in this situation. I have all paperwork showing and available upon request.
Product: Money transfer, virtual currency, or money service

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dont have time to put the rest but happen 57 more times before the ones that I listed
Product: Credit reporting, credit repair services, or other personal consumer reports

As per the previous CFPB complaint ID # XXXX, Experian continues to report bankruptcies without validity to the true source of the certifying company. Per CFPB trade law this is a requirement. Experian 's response to the previous complaint is as follows : The company that reported the information has certified to Experian 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 ( see report results attached ) Additionally Experian.com states XXXX XXXX XXXX XXXX XXXX XXXX is a provider of bankruptcy information to Experian ; XXXX : XXXX Therefore I have also contacted XXXX and no such information has been certified as per Experian stating that it is accurate information ( see attached ) I am again requesting that all bankruptcy items be removed from my credit report immediately. If needed, the case would need to be transferred to the FTC. 

Reference CFPB complaint ID # XXXX filed XX/XX/2021 : After sending several letters to the credit bureau requesting verification of the bankruptcy being reported on my consumer report, they continue to reply that the bankruptcy has been verified by the company and continue to report it. I contacted the US Bankruptcy Court and spoke with XXXX XXXX ( I will attach that, see attached ). XXXX XXXX stated that they do not report information to the credit bureau, and they do not verify this information. According to the law that governs the FDCPA, to verify a debt or bankruptcy, you can not verify a bankruptcy through a third party, in such, it means that obviously that the agency is getting their information from a 3rd party which is not legal for reporting. I am requesting all bankruptcy related items be removed from my credit report promptly. Because I have made this known to the credit reporting agencies, they are willfully and neglectfully reporting this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX XXXXXXXX XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

( XXXX XXXX XXXX  ) XXXX XXXXXXXX XXXX  : Balance {$210.00} Date opened : XXXX XXXX Account numberXXXX Contact Info : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX Phone number : ( XXXX ) XXXX
Product: Credit card or prepaid card

These people are off their rocker -- Basically telling me that they closed my dispute claim because either A, they didn't receive any supporting documentation from me, or B, the documentation I sent them wasn't sufficient enough... Being my documentation is more than sufficient, I'm going to go with A. If it's B, they need to explain how what I sent them does not support my claim, because it clearly does. This is not the first time this has happened with this company regarding disputes. Seems as though they're either incompetent, illiterate, or just don't check their email. All I know is, I'm getting sick of the same old thing every time I file a dispute, and then I have to go through this. They seriously need to step it up or I will be filing a complaint against them with the New Jersey Department of Banking & Insurance...
Product: Debt collection

The company is passed validation period of 30 days to validate debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting late payments to credit bureaus where no way have I agreed are acknowledged the debt is mine. I have disputed this debt several times and am being sued for this debt and asked for an original signed contract with the original terms and interest which the collector is not supplying. The collector is using statements only for its course of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. 
By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. 
I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020, again.
Product: Mortgage

I had a home equity line of credit with US Bank ( account number XXXX ), that had XXXX balance for the past one year. On XX/XX/2025, I requested to close this account and release the lien on this property. I am trying to get a home equity loan from another bank and US Bank is not closing the account and releasing the lien on the property. When I had a conference call with US Bank and closing agent of my new lender, US Bank representative has stated that the loan will be closed only on XX/XX/2025. Delaying the closing of the account and releasing of the lien will result in getting the new loan and hence loose the opportunity to make offers for new property.
Product: Vehicle loan or lease

Santander did not try to communicate with me about non payment. 
No statements by mail to my address, advising of late payment. 
I was given no opportunity to take responsibility and pay. 
Vehicle was surrendered by arrangements only between owner XXXX without my prior knowledge. 
Santander only communicated with XXXX to their phone and address. 
Santander pushed dealership to get XXXX a co signer to release vehicle knowing he couldnt handle high payments at a high interest rate. 
Santander had an obligation to notify me of any non payments or arrangements.
Product: Credit reporting or other personal consumer reports

This account was sold to another creditor and has been settled A 1099C has not been sent 15 U.S. Code 168l ( e ) ( b ),
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX  and Equifax to try and resolve the issue with the following inquiries that I either do not recognize, were not authorized by me, or were obtained deceitfully, to no end. 
/ ( XXXX ) - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX XXXX  ( via Screening Reports ) requested on XX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - Local Finance requested on XX/XX/XXXX ( I DID however, authorize the pull from XX/XX/XXXX ) - The XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX ( I DID authorize a pull on XX/XX/XXXX ) (  Equifax ) - XXXX XXXX/XXXX requested on XX/XX/XXXX - XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX   requested XX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX requested onXX/XX/XXXX - XXXX XXXX XXXX   requested on XX/XX/XXXX - XXXX XXXX  requested onXX/XX/XXXX - XXXX XXXX XXXX requested on XX/XX/XXXX - XXXX XXXX XXXX  requested on XX/XX/XXXX - XXXX XXXX  requested on XX/XX/XXXX
Product: Debt collection

Subject : Formal Complaint Regarding Repeated Calls on Sundays I am writing to formally address an ongoing issue regarding repeated phone calls I have been receiving on Sundays, the most recent occurring today, XXXX XXXX XXXX. As a XX/XX/XXXX, Sunday is a holy day of rest and worship, in accordance with my deeply held religious beliefs. It is distressing and disrespectful to receive calls on this day, and it is negatively impacting my ability to observe and honor this sacred time.

To further clarify, I have received calls on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( most recent call ) I kindly request that you cease calling me on Sundays, as it violates my religious observances. I understand that debt collection is a necessary process ; however, I ask that you respect my right to observe my faith without interference. I would also appreciate a confirmation in writing that my request will be honored going forward. 

Thank you for your understanding and cooperation in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are fraudulent inquiries on my credit that needs to be deleted asap. I did NOT authorize nor authorize anyone to submit inquiries on my behalf. I am a previous victim of ID fraud years ago and I am worried about the same situation happening again. I never applied or signed any application. Please delete all of the following : - XXXX  XXXX  XXXX  : XX/XX/XXXX ; TransUnion XXXX XXXX XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; XXXX- XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX XXXX XXXX XX/XX/XXXX ; XXXX - XXXX : XX/XX/XXXX ; TransUnion - XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX & TransUnion
Product: Debt collection

Hello, I am writing to formally dispute a charge on my Capital One credit card account. The amount in question is {$480.00}. 

The reasons for my dispute are as follows : 1. **Lack of Knowledge : ** I have no record or recollection of this charge. I have not authorized any transaction for this amount, nor have I received any goods or services corresponding to this charge. 
2. **Verification Request : ** I request that you provide detailed information and documentation to verify the legitimacy of this charge, including the date of the transaction, the merchant involved, and any supporting documents.

3. **Excessive Communications : ** In addition to the lack of knowledge about the charge, I would like to dispute this amount due to the excessive calling and communications beyond what is considered reasonable. I have been subjected to an overwhelming amount of contact regarding this charge, which has caused undue stress and discomfort. 

I request that Capital One cease any collection activities related to this charge until this matter is fully resolved and the charge is verified. Please acknowledge receipt of this letter and inform me of the steps you will take to address my dispute. I can be reached at the contact information provided above. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]
Product: Debt collection

These 2 accounts from the same company were wrongfully documented and incorrectly pinned under my name.One was resolved and removed from my credit report, but the second one is still on my record/XXXX  credit report showing a balance of {$400.00} opened XX/XX/XXXX. I do not have any knowledge of this company as they still have never provided their services that was authorized by me ; therefore, I have directly mailed the company, Coachella Valley Collections Services, certified letters 3x ( dated XX/XX/XXXX, XXXX, & XX/XX/XXXX ) in the last 7 months to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX to request for them to verify and validate this account to me and my name. Each time, the company has failed or neglected to respond back to me with any correspondent as well as any evidence. Since they were unable to and have never responded to me nor provided any evidence to prove this is me and this debt belongs to me, I demanded that they corrected this mistake by reporting this mistake to all 3 of the credit bureaus. This collection debt has been removed from my name with XXXX and XXXX only. I am requesting assistance to do the same for my XXXX account and name immediately. I have attached e-copies of the receipts with tracking numbers of the 3 certified letters I have mailed to them directly as my proof to support my claim : 1 ) 1st certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 2 ) 2nd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX 3 ) 3rd certified mail letter sent on XX/XX/XXXX. Tracking # : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate. 
XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once 3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX Account Number : XXXX This Account is inaccurate and seeking litigation please delete it once
Product: Payday loan, title loan, personal loan, or advance loan

I made an autopayment on XX/XX/XXXX for {$760.00}. I had over {$1100.00} in my bank account at the time, but they still came back with a returned payment of {$760.00} and then charged a {$39.00} returned payment fee. I made the payment again on XX/XX/XXXX online for the same amount after transferring funds into my account to make sure there was enough again and they said on chat they would reverse the {$39.00} returned payment fee. They hit me with a returned payment of {$760.00} again and instead of removing the {$39.00} charge, they charged an additional {$39.00} returned payment fee. I have let them know that I am not going to attempt to pay them anything again, until they remove the two {$39.00} fees. They are causing the returned payments and then charging me {$39.00} each time.
Product: Credit reporting or other personal consumer reports

EQUIFAX DID NOT FIXED THE ISSUE I DISAGREE ON THERE DISCUSSION THIS NOW Became A RACE ON MY CREDIT REPORT THEY WILL NOT FIXED MY CREDIT SCORE THEY WANT ME TO CONTACT ALL THESE COMPANIES TO DISPUTE EQUIFAX WAS THE ONE HAD A DATA BREACH THEY NEED TO CONTACT THESE COMPANIES AND DISPUTE ALL THESE ISSUES DISPUTE SOFT INQUIRIES fix my credit score and myfinco score XXXX please reopen this claim
Product: Debt collection

Received a text message just now. 
I do not own a XXXX XXXX XXXX  account. 
The text read : This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX, XXXX. account. Visit XXXX XXXX XXXX   or call XXXX. # of messages varies & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. Reply STOP to opt out Please let me know if you need anything else.
Product: Money transfer, virtual currency, or money service

PayPal -negative {$820.00} XX/XX/2020 Transfer Paid with Balance Transaction ID XXXX Seller info PayPal Note {$820.00} USD ; PayPal Posting Date : XX/XX/2020 ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation ;. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am resubmitting this complaint because I was told that I did not provide supporting documentation I now have sufficient and supporting documentation that proves that the following inquiries that are being listed on my credit report and fraudulent and I am requesting that they be removed immediately XXXX XXXX XXXX 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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my FEDERALLY PROTECTED COCONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY under 15 USC 1681. 

ACCOUNTS_____ACOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX HAS VIOLATED MY CONSUMER RIGHTS 15 USC 1681- ( A ) - ( 4 ) : THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS, IMPARTIALITY, AND A RESPECT FOR THE CONSUMERS RIGHTS TO PRIVACY.

15 USC 1681-SECTION 604-A : SUBJECT TO SECTION ( C ) ANY CONSUMER REPORTING AGENCY MAY FURNISH A CONSUMER REPORT UNDER THE FOLLOWING CIRCUMSTANCES AND NO OTHER ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHOM IT RELATES. 

15 USC 1681 SECTION 623 : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. ( 1 ) PROHIBITION ( A ) REPORTING INFORMATION WITH ACTUAL KNOWLEDGE OF ERRORS. A PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR CONSCIOUSLY AVOIDS KNOWING THAT THE INFORMATION IS INACCURATE.
Product: Debt collection

I was involved in a car accident that was not my fault. The at fault party insurance paid my rental car bill I am being billed for no reason the insurance company paid all fees
Product: Credit reporting

The status of the payment history on my Mortgage account is incorrect. 
Hi. My issue concerns the lack of accurate and proper reporting of payments on my credit report. I have never been late with my payments. I have actually paid 90 % of them early. This is concerning my Mortgage payment history with a company named XXXX XXXX XXXX XXXX XXXX XXXX. Once again, I have never been late with even a single payment to them. However, XXXX has reported me as being late 9 times and at 180 days late on each XXXX. I have receipts for each and every XXXX of them to prove it too. I am including them. There are no late payments at all what so ever from the time the mortgage was originated in XXXX until right now. Not a single XXXX. These inaccurate and derogatory payment history reports need to be removed and corrected immediately. I have tried to resolve this very simple and easily solved issue for more than a year at this point between XXXX and the Credit Reporting Agencies. XXXX stated in XXXX to the CFPB that XXXX is reporting correctly and it was the Credit Bureaus that are making the mistake and reporting it incorrectly. 
Having XXXX day undeserved late marks on my credit history is absolutely devastating my score, my ability to gain other or build other credit, my ability to create seasoned accounts/length of time, stripping me of the security of having credit cards or gaining access to loans should any kind of life emergency take place and the list goes on. It is also serving to make it even harder to gain access to a decent Mortgage Lender or Mortgage Rate and get away from XXXX too. 
I am submitting The original Mortgage Docs which clearly state that payments are due on the XXXX of the month and that the payments start on XXXX XXXX XXXX. I am also including the letter of transfer from XXXX stating that all payments made on or after XXXX and on will be made to XXXX. ALL payments have been made on time or early the entire time. I am including copies of the receipts of every last single XXXX of them.One may go through from front to back.back to front or however one would like and will see very easily that all of the payments were made on time or early. Next months Mortgage payment will also be made over 2 weeks early XXXX XXXX XXXX ). This issue has stopped me from moving forward and caused a lot of damage. The time is lost, it can not be fixed. It can never be gotten back. This issue needs to be resolved and reported correctly immediately. I have all of the proof in the world that I have made my payments on time.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violet the consumer Financial protection act ( cfpa ). Specifically, cash app failed to take timely and effective action to pervert and address fraud on there platform, leaving my account vulnerable and unprotected. Further more, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund Transfer act ( EFTA ) and regulations XXXX these actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed innacurate accounts reported by your company in the file you maintain under my Social Security number.I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX/XXXX,XXXX XXXX XXXX XXXX.I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.