23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/year> - After bringing my loan current with XXXX XXXX ( XXXX ) with approx $ XXXX. I made the required monthly payment to them in advance of realizing they had already transferred the loan to SPS ( Select Portfolio Services ). This payment was not credited or indicated and to spare you a novel here 's a quick list of facts : I'm XXXX due to mental XXXX. 
After numerous attempts and rude dismissive treatment by a company who's negative reputation is well documented, I refused to pay more payments to a company allegedly that has been accused of deception and theft. 

Evidence was provided of this payment was provided at least 3 times. 

They never accept this reality of the payment even with XXXX conference calls made with XXXX on the phone and being hung up on rudely and they we're not moved or persuaded by this or documentation clearly showing the payment was given to XXXX. 

I actually feel this is an intentional attribute of this company 's tactics to wear down, defraud, and/or take my home. 

I can not even begin to quantify the stress and XXXX  this has on my life. 
Cut the last string, it would be more humane than dangling precariously over XXXX nightmares scenarios of reality.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been locked out of my Equifax account for 1 month. I have called and verified my identify 3 times, but my account remains locked. I was told twice that this issue was being escalated an that someone would contact me in 3-5 days, which never happened. 
In addition, Equifax continues to bill my credit card for credit monitoring service after I cancelled this service due to poor performance
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its leg obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed inform credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX XXXX XXXX XXXX XXXX are inaccurate and must be removed.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items Need Attention : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed XXXX {$24000.00} XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : {$0.00} Late/Closed XXXX  XXXX XXXX Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$240.00} Late/Open XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$24000.00} XXXX XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance Owed : {$5800.00} Charged off XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$10000.00} Charged off XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charged off XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX Date Opened : XX/XX/XXXX XXXX XXXX : {$240.00} Late/Open FXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I had a Chime savings account that I lost access to. I have been trying for more than XXXX years to close my account and get the money from my savings account. My account was in good standing but I lost access to my funds and they wouldn't accept the documents I tried to email them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX and XX/XX/2023 I saw XXXX hard inquiries on my credit I didnt authorize. I was scammed by XXXX XXXX also known as XXXXXXXX XXXX XXXX on XXXX XXXX XXXX XXXX, Ohio XXXX. I met a man name XXXX XXXX XXXX that said he worked for the XXXX XXXXXXXX XXXX  dealership. I told him I was going through XXXX XXXX my bank and he told me he wanted to just see what amount I would get pre approved for without running my credit. He said I would get a call from someone to verify I took my fraud alert off. He said it would just be a soft inquiry, so I remove the fraud alert temporarily to find out he misused and took advantage of me and ran my name with multiple people I didnt agree to. The car place XXXX XXXX XXXX said its not they problem take it up with XXXX but they appear on my credit illegally as well and I told them I never spoke to them to authorize this.
Product: Student loan

MyFedLoans was contacted regarding credited number of payments under IBR/PSLF ( Income Based Repayment/Public Service Loan Forgiveness ). They currently have credited my account 8 payments, but prior to the 8, they had me credited as 13.

They recently " reviewed '' the account and replied that the 8 is correct without any explanation and marked the account as closed.

They didn't explain the discrepancy or why my first two years of payments weren't credited when based on my plan, the amount was {$0.00}.

They were also supposed to credit 25 months from XX/XX/XXXX-XX/XX/XXXX where I worked for a XXXX XXXX in my area.
Product: Money transfer, virtual currency, or money service

Since XXXX of XXXX, cash app has been taking my money for transactions twice. On several occasions, after transferring money from my bank account into my cash app account, I had paid for things through cash app, the money was taken from my cash app account then later taken from my joined bank account as well. The receiving party of those funds were only paid once, yet my money taken twice. Also, on several different occasions unauthorized transactions had taken place and I had attempted to dispute them and received no response other than I was to order a new cash app card and they would continue to investigate. I am currently negative in my joined bank account, have had returned checks due to their unauthorized transfers from my account and have had no one help me. I received a message stating that cash app is support is currently unreachable, try back later. I am currently without any type of monetary support. I received a notice today that my water will be shut off and I will no longer be able to write checks due to nsf. I have XXXX children who depend on me to house and feed them. Cash app has disabled me from doing so.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check this account ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Act XXXX XXXX XXXX XXXX Last reported XXXX XXXX, 2023 {$14000.00} XXXX XXXX {$3700.00} Open balance {$320.00} XXXX XXXX XXXX XXXX XXXX {$0.00} Reported XXXX XXXX limit {$4000.00} XXXX  Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} Reported balance Credit limit {$4000.00} XXXX Last reported XX/XX/2023 {$200.00} Reported balance Credit limit {$3500.00} 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: Mortgage

Irregularities in the home appraisal reporting. Appraisal report was not shared after multiple requests and after almost a month lender tells that the appraisal was never done. I have the appraiser visit the property and the appraisal was completed on XXXX XXXXXXXX as per the information received from tenant at the property and the appraiser.
Product: Credit reporting or other personal consumer reports

This is not a dispute. I previously disputed this XXXX XXXX  account with Equifax numerous times. I repeatedly been told irrelevant things in the investigation results like " We've determined this is your account. We have updated the account. We have changed the remark codes. This is a charge off. '' When I've called Equifax and spoken to representatives, I'm told well we just transmitted electronic information to the creditor. I'm also told it's not up to Equifax to remove an account that's up to the creditor. I'm telling you that at this point it's going to have to be up to Equifax to remove it and block any future reporting by XXXX XXXX  related to my Equifax credit report file number XXXX because it is required by law to not allow fraudulent reporting by creditors. 
I previously provided a copy of the cease and desist letter to Equifax and I believe it's merely being treated as a dispute instead of being sent to the correct department. The creditor has also received a copy of this cease-and-desist letter. At this time, I have filed an FDIC complaint against this creditor. They have fraudulently reported this account over and over and Equifax has allowed them. I'm now done. Please find attached to the cease and assist letter proof that the account was placed for collection and has been reported fraudulently as well as proof of the FDIC complaint.

Please note I chose to redact the name of the individual at the collection agency that supplied me with the information out of concern for them, possibly losing their job.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up with regrads to my response to the recent investigation. I disagree with your findings and am requesting complete accuracy. I am not convinced that sufficient efforts were made to contact the creditor reporting this information on my report. Therefore, I am requesting more information regarding the following accounts in question : XXXX XXXX XXXX Balance Owed : {$550.00} ; XXXX XXXX XXXX Balance Owed : {$4700.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Balance Owed : {$8300.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureau form reporting fraudulent information that stemmed from identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect accounts was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX Balance : {$28000.00} ; XXXX XXXX Balance : {$35000.00}
Product: Debt collection

In XX/XX/XXXXXXXX XXXX  reported a debt by a company called XXXX for {$840.00} by XXXX XXXX. I disputed this debt. I talked to XXXX XXXX and they had no knowledge of me owing this money. I talked to XXXX and they wanted to charge me money to investigate this debt. I do not owe this amount and I am in good standing with XXXX XXXX and XXXX XXXX XXXX. I disputed this with XXXX  and they deleted it from my account. 

XX/XX/XXXX XXXX has again reported the same debt by a company called IC System for {$840.00} by XXXX XXXX XXXX. I disputed it again with XXXX telling them that they had already deleted this once from account but did not do so this time. 

This is not my debt and would like to have it permanently removed from my account.
Product: Credit reporting or other personal consumer reports

I have sent many prior requests to your company to reinvestigate these inquiries that I believe to be incorrect on my credit report. Arent you required to complete these investigations within XXXX days of receipt? I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I will once again list the inquiries in need of investigation : I have tried to contact every one of the company listed and most of them do not even have any record of me. How can they have a permissible business purpose to pull my credit if they dont even know who I am? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

Check fraud in my checking and savings account with USAA Saving Bank in XXXX XXXX, TX. XXXX notified bank of fraudulent activity on XXXX/XXXX/15 and checks continued to be deposited until XXXX/XXXX/15.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 the amount of {$49000.00} was wired out of my account without my permission or knowledge. I called Chase bank and reported the fraud and tried to recall the wire, however they closed the case saying that the responding bank is not able to return the funds. This wire was unauthorized and should not have been sent to begin with. I did not receive any details regarding this wire nor did the bank send me notifications or vertification while adding a new payee into my account which is usually the case. I have been to the branch several times and have been advised to file this complaint in order to escalate it with chase and have them look into this situation once again. Chase needs to look into the IP address from where the wire was initiated from and by whom and I would like my funds returned as I am a victim of fraud.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to follow up once again regarding the unresolved issue of late open accounts on my credit report. Despite my previous attempts to rectify this matter, the inaccuracies persist, and I am growing increasingly concerned about their impact on my financial standing. 

I have followed your dispute resolution process diligently, expecting a timely resolution, but the lack of progress has left me frustrated and anxious about the potential consequences. 

I am reaching out once again in the hope that this matter will be addressed with the urgency it deserves. I kindly request a thorough investigation into the late open accounts on my credit report and immediate action to correct them. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the repeated failure to address this issue. With this, I am asking for your assistance to correct these accounts in my credit file : XXXX XXXX Balance Owed : {$3600.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$14000.00}.
Product: Checking or savings account

I am a loyal Bank of America customer of almost 10 years. My rent check of {$1900.00} was stolen in XXXX. I filed a claim and it was confirmed on the same phone call that someone with a different name and bank account got a hold of my check, and deposited it somewhere in Florida. Over three months go by and I receive zero updates and communication regarding my claim. On XX/XX/2020 my debit card declined at XXXX while trying to get groceries during Covid-19. I immediately panicked and checked my checking statement. I came to find out that Bank of America denied my claim of my stolen rent check and withdrew {$1900.00} from my account. After hours of being on hold, I managed to reach a Rep. who advised me to " check my spam '' for communication. Apparently communication was never sent to my physical address and they denied the claim due to not receiving any correspondence from me. Per my last phone call I was told that my claim would be reopened, and that I would receive a phone call by Fraud Department Analysts after their meeting. Over an hour went by and I never received that call. I called again, this time to be told that there is no documentation of my previous conversation with the Rep. who reopened my claim and that the Fraud Analysts would not call me. My bank account is now negative during a global pandemic.
Product: Credit card or prepaid card

On XX/XX/2022 I transferred {$100.00} from my chime checking account into my chime credit builder account. I then placed an online order with XXXX 's XXXX XXXX  in the total of {$73.00}. The attendant couldn't access the cage that had my item. So on Monday XX/XX/2022 I returned to XXXX XXXX XXXX XXXX  and the manager cancelled the online authorization on my card. But chime had closed my accounts upon speaking to the first representative and supervisor. I was told I'd have the funds sent to me in the form of a check. I waited a few weeks and was told by another supervisor that I'd receive the check by XX/XX/2022. I never received the check so I called chime customer service again. I spoke to another supervisor who told me he couldn't provide the tracking number and that he was emailing the department that could. He told me I'd receive an email within 2 hours of the call. I placed that call at XXXX and never received an email. So I called again Saturday and was told I should've gotten the check by the XXXX of XXXX. That supervisor told me he was going to have chime support contact me which I was never contacted. I then called again Monday morning which I also recorded the conversation with the supervisor Monday. She informed me the check hasn't even been printed. She also told me to contact chime support via email because they don't accept phone calls in that department. I emailed them and received a confirmation email. The confirmation email stated I'd be contacted about the situation within 2 hours. I never received any contact from chime. So I called again this morning and was told again the check wasn't processed and that a supervisor wasn't available. I contacted an attorney who advised me to file this complaint this afternoon.
Product: Debt collection

XXXX/XXXX/XXXX Portfolio Recovery Associates received my first request for debt validation as I do not recognize said debt. 

XXXX/XXXX/XXXX Received Portfolio Recovery Associates first response letter. XXXX failed to provide request information or anything that proves I owe said debt and only provided name, last XXXX of XXXX, debt amount, date account was opened, original creditor name and address. 
. 
XXXX/XXXX/XXXX XXXX receive my second request for proper debt validation, highlighting previously requested information that was not provided. 

XXXX/XXXX/XXXX Received XXXX second copy of bill originally received XXXX/XXXX/XXXX, still not providing requested information or anything proving I owe this debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX stated they purchased my file. 

I asked for proof and they only sent me a bill which isn't proof. 

I can not entertain fraudulent companies. When I request for proof a file is mine, it shouldn't be any issues getting that. I shouldn't get pushback or any delays. 

Also, the original account was reported as {$500.00} and every month XXXX XXXX XXXX is paying to change the balance on my credit file to something higher. 

At this time they are reporting the balance as {$560.00} when they claimed to have purchased a file with a balance of {$500.00}. 

I am requesting for this collections agency to delete this account from my credit file since it has not been proven to be mine and since it is now banned to report any medical debit on credit reports. 

So please delete this account from my XXXX, Transunion and XXXX file since it has dropped my credit score almost XXXX points.