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

Hi CRA / XXXX XXXX XXXX ; ***See attachments that for a civil judgment that was settled and I was promised and guaranteed that it was going to be removed or deleted from my credit report. ****** Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 

Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to contact someone at your company to let you know that I mailed a letter to XXXX, XXXX XXXX, XXXX, ARS, and XXXX XXXX about the validity of this Bankruptcy that you have listed on my Credit Reports. I mailed this letter on XX/XX/2021 and not one of the 5 companies have sent any corresponding letters. I recently challenged the same account on the other Credit Bureaus and they came back stating that they have verified this account. I have went to the courthouse and they have also stated that THEY DO NOT VERIFY THIS INFORMATION TO ANY 3RD PARTY CREDIT BUREAUS OR AGENICIES. Please send me whatever documents of information you have personally used to verify this alleged Bankruptcy, immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. My identity has been compromised. My name and social security have been used for quite some time now. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. DTEDXXXX XXXX {$1300.00} DTEDXXXX XXXX {$2000.00} XXXX XXXX {$370.00} XXXX  XXXX {$370.00} XXXX  XXXX {$0.00} XXXX XXXX {$190.00} DTEDXXXXI XXXX {$2600.00} DTEDXXXX   XXXX {$4000.00} DTEDXXXX XXXX {$10000.00} DTEDXXXX   XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I uploaded and updated Victim Determination Letter and it was 'Denied ' the same day stating that the letter was invalid ; however, no one can explain what makes the letter invalid. I am actively working with an agency who has confirmed that no one from Equifax has reached out to them. Also, please note that XXXX and XXXX was able to successfully validate the letter, which I am including for reference.
Product: Checking or savings account

No action take as of yet! Fees taken out of account for no reason. XXXX was missing XX/XX/2020 not recovered. XX/XX/2020 charged for fees 4 times. XXXX in fees making the account go negative.
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 Fanacial Protection Act ( CFPB ) Specifically, cash failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute relolution process 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 finacialnloss and i seek appropriate redress for these violations.
Product: Debt collection

A fraudulent account was opened in my name and i have been trying to resolve this with TD Retail Card Services. The opening and purchase occurred in another state. Company refuses to remove from credit report. I've tried to resolve this over the phone but can't get through to their customer service in a reasonable amount of time. Have spent hours on the phone waiting for a representative.
Product: Credit card

Earlier this month after finding out our Lowes Home Improvement credit card had expired due to non use we went to the local Lowes to reapply only to find our that in store you can only apply if you have a smart phone. We do not we are XXXX  and do not have the finances to afford one and have opted out of having that just a land line, XXXX XXXX XXXX. The store personnel were amused at that and we were made to feel that at that point were were being discriminated against just due to our choice and being XXXX. We do have a computer at home and applied on line only to be denied because our credit reports were locked. I unlocked them and reapplied only to be denied because Synchrony Bank, the card supplier to Lowes, said they " were unsure of my identity '' My wife and I believe that Synchrony Bank denied us because we do not have a smart phone, XXXX  with excellent credit and that we elected for them not to sell our information to another lender so we could get a card. On their application they say if they can not get you a card they would " give '', we believe sell, our information to another lender so we could get the credit card. We opted out of that thus no credit for us. For those actions listed above we feel that we, and sure many others like us, are being denied fair credit. We have excellent credit and are debit free, guess they did not like that either, always pay our current credit card off each month. Their + % XXXX fee for late payment would not apply to us, bet they did not like that either. Lowes Home Improvment has my identity as a veteran yet denies involvement with this bank and any responsibility with credit even though their name is allover the card. What a racket of denial. Please look into this discriminatory Bank & relationships with each.
Product: Credit card or prepaid card

The company did not post a payment for eight months. Continue to charge late fees and finance charges. Please credit my account {$80.00}
Product: Credit reporting

I submitted a dispute to both XXXX and Experian online after receiving notification of an inaccurate collection via the XXXX credit monitoring service I subscribe to. After carefully following the online process and uploading HSA statements showing payment to the healthcare provider that the third party collection agency was purporting to represent, Experian informed me that they were not able to handle my case via the online service, that that I would have to send in my dispute via post. XXXX appear to accept my online dispute. However, upon using their " check status '' functionality to confirm that my online dispute was being processed, I received a screen in forming me that " The information [ I ] provided does not match [ XXXX ] records so [ they ] are unable to process your request online. '' I receive the same message when I try to resubmit my online dispute. 

I feel that the credit bureaus -- XXXX and Experian -- are making it unduly hard for me to challenge inaccurate reporting by the collection agency. I pay for credit monitoring to help make it easier for me to monitor and protect my credit rating. However, it seems as if Experian and XXXX want to obstruct or discourage consumers from submitting disputes that they would then need to research, in the hopes that they will get frustrated and give up. This practice is not fair. It should not be more expedient for third-party collection agencies and creditors to post inaccurate information to my credit report that has real and damaging impact on my personal finances, than it is for me as a consumer to challenge inaccurate or dubious reporting. The fact that they both waited until after I filled out the online forms and uploaded my supporting documentation before informing me that I would not be able to submit an online dispute is especially frustrating. What criteria are Experian and XXXX using to determine who is eligible to submit online disputes, and who is not? Should n't all consumers have the right to dispute inaccurate information on their credit reports through a means that does not unduly burden them? Should that means be the same for all consumers?
Product: Debt collection

On XX/XX/2020, I cancelled my plan because my monthly bill kept rising significantly ( example : first month {$80.00} next month {$160.00} ) every month so I switched companies. I was told there was no cancellation fee I did not owe anything. 
On XX/XX/XXXX, I became to receive calls from a Collection Company saying I owed money without notice. They would not give me a debt validation and so I called the original creditor to which they stated that I was accidentally charged a cancellation fee and that they would launch an investigation on why I was charged a final bill even though I paid off the account. 
A few weeks later on XX/XX/XXXX, I received a notification from XXXX that everything was accurate even though it was not. I called the creditor ( XXXX XXXX ) only to be told that they cancelled the investigation and there was nothing they could do. 
However, on the XXXX I received a letter in the mail about a security breach on XX/XX/2020 ( same time the case opened for the collection account ) to which it was stated that there was unauthorized access to files and there was a file that contained my name and social security number.
Product: Mortgage

This is a follow up to my complaint no XXXX. 

Please incorporate the facts from the previous complaint into this new complaint. 
The primary basis of this complaint is that American Advisors Group has provided the CFPB with false information in an attempt to undermine the CFPB complaint process. 
The XX/XX/2019 letter to CFPB is fundamentally false. The only true fact is that I participated in a conference call with AAG. During that conference call I asked for specific documents to verify the claims being made by AAG 's, XXXX XXXX, XXXX XXXX and XXXX XXXX. Despite several follow up emails I received no documents. 
The XX/XX/2019 letter falsely states the loan not approved. An email from AAG loan officer XXXX XXXX confirms the loan was approved and that is corroborated by a relephone message from AAG attorney XXXX XXXX. 

False statements to the CFPB show reckless disregard for the consumer and the system of public protection the CFPB has established.
Product: Debt collection

My father recently passed away in XXXX, XXXX from a terminal illness and he was the cosigner on my loan. In good faith, I contacted XXXX to request a release of the cosigner and instead my loan is now considered automatically defaulted when I have never missed a payment since I got the loan in XXXX. Now, the debt collection company XXXX uses to scare people, SIMM, is contacting my mother who is distressed enough from the loss of her husband, demanding payment. I am requesting that XXXX recall the loan from SIMM and allow me to be the sole individual on the loan. It does n't make sense to treat this as a default because I 've been making payments on time and it will turn a good loan into a bad loan. Amount owed is XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

ECSI has not sent corrections from prior complaint, and it still reporting negative on my credit report, have letter from XXXX stated that the account no longer should have late payment.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Equifax has fail to report dispute results to me in the 30 to 45 day time frame. They have violated the Fair Credit Reporting Act.. I send letters on XX/XX/2022 that they have recieved and still haven't received feedback or any results in the the mail. I have recently sent them a letter regards these concerns. 

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

I will be filing a lawsuit against the XXXX XXXX  company on the grounds of harassing phone calls all day and all evening, and they have put this on my credit report after I have told them the situation. Plus on the contract they over changed me almost {$17000.00} more interest on the vehicle I purchased when originally the vehicle was {$15.00} or {$16000.00} totaling the whole auto loan to {$34000.00} and some change with a seven year term on a XXXX XXXX XXXX XXXX XXXX I am watching it daily to see the car note reported as past due when they know the situation I am in. I called them firsthand to let them know what is going on but it seems they dont care and want their money either way it goes. They have placed the loan and car note in default already. Why would I pay for something I dont have? Them and XXXX have ruined my credit. Please Help!!! 

Have any questions please feel free to contact me. 

Mr. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I received notice that I was required to vacate my house from my landlord in XXXX. My one year lease expired in XXXX and we did not request a new XXXX. The house was purchased for his daughter and had verbally agreed to a 3 year rental. His daughter returned from school early and he needed to move her in. This is the situation that caused me to become late on my Care Credit with Synchrony Bank. In XXXX of 2015 my total balance was {$310.00}. I made a payment of {$84.00}, my minimum payment was {$45.00}. I paid extra due to my earlier delinquency. Payment shows posted on XXXX/XXXX/2015 on Synchrony statements and the total balance due is now {$270.00} I have made XXXX payments of {$50.00} since XXXX for a total of {$250.00} which should leave my account balance at a credit of + {$21.00}. I had switched to electronic statements and made all my payments out of my XXXX check on or around the XXXX of each month. I noticed my balance was increasing rather than decreasing and logged into my account on my phone, saw I had accrued late fees. this is not possible since my due date is the end of the month and I pay at the beginning. Called customer service and they kindly agreed to refund the {$25.00} which they did. The agent said it would be better to make my payments after the XXXX of the month, not earlier and then there would be no confusion. I do not agree to making my payment later, I have cognitive difficulties due to my XXXX and could easily forget. Today I finally was able to go to an actual computer and pulled up my account they say I owe {$130.00} in interest and late fees! I have been on the phone for well over an hour and spoken with a total of XXXX different agents. My very first statement was I do not want to have to repeat myself, may I please have the XXXX person who has the authorization to fix my problem. XXXX Agents later and I still have no resolution. The agents barely spoke XXXX and kept interrupting my train of thought. I even authorized my son-in-law to speak on my behalf because they kept confusing me talking about XXXX, the XXXX fee they did refund. I asked them repeatedly to start in XXXX when it all started and had no success. So now I 'm filing a complaint which I should have done in the first place rather than try to get Synchrony 's XXXX agents to understand me.
Product: Money transfer, virtual currency, or money service

Hi, Good day! 
I would like to request PayPal to restore my account from being permanently limited with the help in your good office. This is unacceptable that my account was permanently banned for the reason of gambling, and other fraudulent activities. I have already confirmed my identity and I already sent out all the proof that they need. I am a freelancer and rendering service electronically. I am looking for clients in a different platforms like XXXX XXXX XXXX XXXX. I do XXXX XXXX through XXXX and XXXX. I am also doing XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Rates are different, it depends on haggling with clients. Some are low bailers and some are giving good rates. Please help me restore my account back, this is the only way I received my money from my clients and I need this to pay my bills with the money hold in this account. 


Sincerely, XXXX XXXX XXXX XXXX Account Holder
Product: Mortgage

100 % HONESTLY TRUTH! 
Ocwen Loan Servicing Company and XXXX XXXX XXXX XXXX. 
Apparently, Ocwen came to my loan from out of no where- Ocwen has invaded my property located at ( XXXX XXXX XXXX XXXX XXXX FL XXXX ) ( XXXX ) XXXX ). That Property has two original owners : XXXX XXXX XXXX Years old and XXXX XXXX. In XX/XX/XXXX, Ocwen Made or signed a fake or an illegal loan modification. However, the original owners did not sign it. But, has altered both XXXX XXXX and XXXX XXXX signatures. I have explained that to Ocwen 's Ombudsman office numerous times. 

Me, XXXX XXXX Original Owner signed at the closing in ( XX/XX/XXXX ) have never ever seen the modification document until after 3 years. I told Ocwen Ombudsman office that was done wrong but, let 's fix it ; Ocwen has refused to give us another chance. My Loan balance was only {$60000.00} then it now ( {$120000.00} ). Ocwen has never wanted to accepted less than {$10000.00} from me as payments. As a result, I never paid but I have the money available to pay my monthly obligation. This month, without notifying me ; I found out my property will be sold XX/XX/XXXX. That is totally wrong and illegal due to the S.A.F.E, RESPA, TILA, and HARP of XX/XX/XXXX-XX/XX/XXXX. I have begged ocwen to accept my monthly payments but they refused in order to steal it from me. Ocwen and XXXX XXXX XXXX XXXX are roping me. I am a U.S Citizen and I need help please! I am also contacting News reporters like XXXX, XXXX, XXXX, and the local XXXX News to explain my situation! And then, Ocwen 's Lender Place Flood Insurance XXXX XXXX/XXXX did not even visit the House after Hurricanes Irma even though I reported a loss Claim. 

Thanks a million!
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 consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX, Account # XXXX, has violated my rights. 

XXXX XXXX XXXX XXXX  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 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: Debt collection

attachments below They collected my {$600.00} deposit, when they should have just took either {$83.00} or {$160.00} due to late notice of XXXX day move-out notice. 

The monthly rent was for {$2400.00} which is {$80.00} a day and if we gave them a XXXX day late notice, they should had collected {$160.00} at the most and not collected by full deposit. But anyway, I'm not claiming that back, as long as they remove my collection, I'LL be satisfied. 

My other complaints are attached on the document below