23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

To whom this may concern : This letter was previously sent time stamped and certified by mail and verified by a notary of the public on XXXX And XX/XX/year>. 

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and notice a few errors on my accounts that I would like resolved. I did my due diligence on the Fair Consumer Reporting Act, where 601. Short title This title may be cited as the Fair Credit Reporting Act. 
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

[ 15 U.S.C Sec. 1681i ( a )? ] States If theres no proof that I am responsible for the accounts these accounts must be deleted. If the information reporting on me is not accurate and true across all reporting agencies I want them deleted. Please investigate the following accounts. Awaiting your responses in 30 days. 



Account Name : XXXX XXXX* Account Name : XXXX XXXX - XXXX BANK XXXX Account XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX  XXXX Account XXXX XXXX XXXX XXXX XXXX SERVICES X________________________ XXXX of FLORIDA XXXX of ______________ The foregoing instrument was acknowledged before me by means Of physical presence or online notarization, this ____ day of _____________, 20______by __________________________, who is personally known to me or produced a ______________________ as identification, regarding the attached instrument described as _______________________________________________________ and to whose signature this notarization applies. 


_______________________________ notary public signature _____________________________________notary public printed name
Product: Mortgage

I received are County tax bills that we 're supposed to be sent to the lender. I faxed them to Freedom mortgage on XXXX XXXX 2016. XXXX bill was paid on time, XXXX was not paid so I called them on XXXX XXXX 2016 which was the due date. They told me that they did n't have record of the XXXX tax bill and I should send them the fax that I sent them, via email. I contacted them via email on XXXX XXXX 2016 with the documents they requested attached to the email. I received a response the same day saying that they received my email inquiry and that they would respond to it. On XXXX XXXX 2016 a letter was sent via USPS stating they had received my inquiry and would respond within 30 days. I called them on XXXX XXXX 2016 they told me that they were still reviewing the information. On XXXX XXXX 2016 the amount for the property taxes was deducted from my escrow account, the amount was a second time on XXXX XXXX 2016. I contacted freedom XXXX XXXX 2016 they informed me the taxes have been paid twice, they could not tell me why they paid them twice and would not refund the money they erroneously removed from my escrow account. The taxes have not been paid to date in the treasurer has no record of correspondence from them.
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. 

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  XXXX : XXXX, Account name : XXXX # : XXXX, Account name : XXXX XXXX  # XXXX XXXX, Account name : XXXX XXXX # XXXX XXXX XXXX Account name : DEPT OF ED/XXXX  # XXXX Account name : XXXX XXXX XXXX  # XXXX, Account name XXXX XXXX XXXX  XXXX, Account name : 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: Credit card

I had applied for a credit card because in the past two years Ive lost income and I was losing everything I was paying off such as my car. I applied through capital one and was denied. The response was delinquent account on my credit report. I want to follow up with a discrimination case per Equal credit opportunity act as well as following up with consumer law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I was informed by XXXX that my information has been put on the dark web by a data breach from experian I have tried to contact them and they tell me I am not me
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I payed my XXXX amount in full to the amount of XXXX. The payment was incorrectly processed. They only took the current amount and put the past due amount towards the principle. This made my payment always late. The bank has no interest in correcting the mistake and just added late fees. I payed my last payment according to the new escrow statement that was provided and they decided to hit my credit report with a 30 day late mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer credit reports indicated a negative mortgage payment history when there was none. The consumer made 100 % of payments on-time as agreed. XXXX XXXX XXXX reports of {$300000.00} credit balance are inaccurate without necessary calculations for accepting a forthcoming loan modification application.
Product: Debt collection

Credit score started dropping. In investing the dropping scores, I found out there was a debt collection from Tally Tech ( some kind of loan organization in XXXX XXXX ) for {$650.00}. I got the the information from XXXX XXXX. I have no knowledge of this company or the charge. I do not owe them anything. I attempted to contact Tally Tech via phone call, and they were apparently unavailable.
Product: Vehicle loan or lease

Westlake financial is not honoring my gap insurance that I requested on their website ... My contract at XXXX XXXX was to pay them XXXX dollars a month ... After I created a account to pay on their website my payment increased by XXXX to XXXX ... my car was total due to a hail storm. On XXXX XXXX.. GXXXX has paid them XXXX and I have a ball of about XXXX left to pay. Pler help me resolve because Westlake is telling me the XXXX is or was being applied to the loan. I did not agree to that. Next I got a issue with XXXX XXXX for the XXXX warranty they put /applied to the loan... XXXX XXXX has informed me that it is normal procedure for them to send the refund to the loan company .... Is this the right thing that is happening to me. I am desperate need of help with both these companies.. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I wrote to Equifax disputing a bankruptcy that they had listed on my credit report. They wrote me back and said that the information was verified by XXXX XXXX and the court. I contacted both and the court said that they had absolutely not verified the account. XXXX XXXX removed the account from their report. I provided written proof of all of this to Equifax. They could not possibly done and investigation, because they said that they had verified it again with XXXX XXXX after XXXX XXXX had clearly acknowledged that the information was inaccurate and removed it from their report. 

Equifax then made 3 requests for me to prove my identity. I had included my driver 's license and social security in my original requests and follow up response. I felt that this was designed to frustrate me and make me give me. But it just doesn't make sense that if they entities that you claim gave you the information either say that they did not or admit that the information was incorrect then Equifax can not justify keeping this inaccurate data on my report. 

I believe that Equifax is willfully failing to conduct a lawful investigation and stubbornly refusing to remove this bankruptcy listing from my account. It is as if they think that they don't have to meet their obligations and can continue to inflict hurt on me.
Product: Debt collection

I recently checked my credit report and found debts from a debt collector called Commonwealth Financial. First and foremost, I have never received any form of phone calls or letters at all from this company stating that I owe debts to them. I have never spoken to anyone from this company either. So when I saw Commonwealth Financial has listed the open date for these debts on my report as XX/XX/2018, I was thoroughly alarmed. This debt was originally owned by XXXX XXXX XXXX as it states on my credit report. I have not visited any form of hospital or medical facility in many years. I believe, Commonwealth Financial has violated my rights under the Fair Credit Reporting Act by purposely re-aging my debt and making the statute of limitations longer without ever contacting me at all. I am not 100 % sure what year I last visited a medical facility, but what I do know for certain is that it was not this year. So if they did re-age my debt, Commonwealth Financial can sue to collect a debt that may be so old that it should have been time-barred. This is an injustice occurring all too recently with debt collectors.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 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. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX inaccurate date of last activity ) XXXX XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX  XXXX ( inaccurate date of last activity ) XXXX XXXX XXXX XXXX ( inaccurate date of last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXXXXXX XXXX XXXX XXXX XXXX ( inaccurate date last activity ) XXXXXXXX XXXX  XXXX XXXX XXXX ( inaccurate date last activity ) XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX XXXX XXXX inaccurate date last activity ) XXXX XXXX XXXX XXXX ( inaccurate date last activity ) WF/AME GEM XXXX ( inaccurate date last activity ) XXXX XXXX XXXXXXXX XXXX ( inaccurate date last activity )
Product: Debt collection

state farm bank XXXX account XXXX {$5000.00} was result of fraud and disputed
Product: Credit reporting or other personal consumer reports

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

The accounts below have violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannotfurnish 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 ) ( a ) 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. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent reports to all three credit bureaus three times and explained to them that my name is reported incorrectly. Here 's the list of inquiries : Item 1 : My name is not correct on my credit file. The correct name is XXXX XXXX XXXX Please remove XXXX XXXX. Please remove XXXX XXXX Item 2 : I do not live at ; XXXX XXXX XXXX XXXX, XXXX  XXXX I do not live at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Please correct the information that is on my report because it is incorrect. 

Item 3 : XXXX  XXXX The amount of the debt is incorrect. 

Item 4 : XXXX XXXXThis information is not correct. The amount is not correct. 

Item 5 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 6 : XXXX XXXX XXXXThis information is not correct. 

Item 7 : XXXX XXXX XXXX -- - The amount of the debt is incorrect. 

Item 8 : XXXX XXXX XXXX The amount of the debt is incorrect. 

Item 9 : XXXX XXXX is not my account. It is incorrect. 

Item 10 : XXXX XXXX XXXXThis is not my account. It is incorrect. 

Item 13 : XXXX  XXXX XXXX I did not authorize or open any new accounts. 

Item 14 : XXXX XXXX XXXX did not authorize or open any new accounts. 

Item 15 : XXXX XXXX did not authorize or open any new accounts. 

Item 16 : XXXX XXXX XXXX not authorize or open any new accounts. 

Item 17 : XXXX XXXX XXXX I did not authorize or open any new accounts. 

Item 18 : XXXX XXXX I did not authorize or open any new accounts. 

Item 20 : XXXX XXXX XXXX- I did not authorize or open any new accounts. 

Item 21 : XXXX XXXX This is not my account. It is incorrect. 

Item 22 : XXXX  XXXX I did not authorize or open any new accounts. 

Item 23 : XXXX I did not authorize or open any new accounts. 

Item 24 : XXXXI did not authorize or open any new account with this vendor. 

Item 25 : XXXX XXXXI did not authorize or open any new account with this vendor. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

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

Im not able to temporarily remove the fraud alert on my Experian credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a false judgment for money on my credit. I have disputed to Experian, The XXXX XXXX   XXXX  and XXXX XXXX XXXX, which is the XXXX XXXX XXXX of XXXX XXXX. XXXX XXXX placed a judgment on my credit claiming I owe {$2600.00} and gave a case number from the court docket that had no award for money.. I was never served or notified of this being filed even tho XXXX XXXX had my forwarding address. In court, the judge rules that XXXX XXXX can take posession of the property only and that NO MONEY is awarded. Regardless, they placed a money claim on my credit report. I have contacted Experian and disputed this several times and each time they say the claim is accurate after speaking with XXXX XXXX and their XXXX XXXX. I have sent in court documents that show they were only awarded possession of the property. Regardless, they refuse to remove the {$2600.00} claim from XXXX XXXX. Also, this is on my credit report twice. Once by XXXX XXXX as well as once by XXXX XXXX XXXX even tho it is 1 case. So when my credit is run, it appears that I have been evicted twice. This has cost me money and problems when I have tried to rent a property. Once in 2018 and once this year. Now Experian is telling me I can not dispute this anymore and will not take a dispute claim from me. I am never told what exactly is investigated or what documents they look at or how they decided in the other parties favor. I'm just told its accurate. How is it accurate when the court papers say NO MONEY AWARDED?
Product: Mortgage

I HAVE FILED NUMEROUS COMPLAINTS AGAINST BANK OF AMERICA USING PRADATORY LOAN TACTICS AND YOU ( CFPB ) CONTINUE TO DO NOTHING!!! ABSOLUTELY NOTHING!!! THERE HAS GOT TO BE SOMETHING YOU PEOPLE CAN DO, I MEAN YOU'RE PAID BY THE GOVERNMENT TO SIT IN YOUR OFFICES AND DO WHAT EXACTLY??? TO BE A MESSENGER AND TAKE IT OUT OF TAX PAYER 'S WALLETS??? WHAT EXACTLY IS YOUR PURPOSE BECAUSE I AM NOT GETTING ANY CHANGE FROM BANK OF AMERICA!?! 
NO BECAUSE THEY ARE CONTINUALLY LYING LYING LYING AND CONTINUE PRACTICING THEIR PRADATORY LOAN TACTICS AND YOU ( CFPB ) ACTUALLY BELIEVES THEM WOW!!! 
THE COMPANY 'S " RESPONSE '' IS THE SAME BS THEY'VE BEEN TELLING ME FOR YEARS!!! THAT THEY ARE WORKING ON IT AND/OR HAVE " RESOLVED '' IT AND/OR TO CALL THEM ( WHICH THEY NEVER NEVER NEVER ANSWER THEIR PHONES!!! ) I HAVE BEEN TRYING TO CALL THEM FOR YEARS NOW SINCE THEY STOPPED TAKING PAYMENT OVER THE PHONE AND THEY " USED '' TO GIVE ME A CONFIRMATION NUMBER AND HAVE NOT DONE THIS IN YEARS!!! SO NO THEY HAVE NOT RESOLVED NOTHING!!!
Product: Credit reporting or other personal consumer reports

proof of validation and original contract .according to the fair credit reporting act 15usc 1681 section 602 a states a need to insure fairness and respect for consumer right to privacy.equifax, XXXX  and XXXX are consumer reporting agencies.i am a consumer.15 use 6801 states protect the security and confidentiality of those customers.XXXX XXXX  is financial institute by def under title .15 usc 1681 section 604a section 2XXXX XXXX, XXXX  XXXX equifax and XXXX does not have my consent to furnish this information or written consent.any and all consent to XXXX, equifax, XXXX, XXXX XXXX XXXX XXXX XXXXweather it be verbal or non verbal written or unwritten is revoked. 15 use 6802 b c states financial institutes may not disclose non public information. XXXX XXXX, XXXX XXXX and XXXX never informed me of my rights to exercise my disclosure option.also 15 use 1681c a 5 except as authorized under sub sec b is against the law.
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 violates the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution 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 financial loss and I seek appropriate redress for these violations.
Product: Debt collection

Debt was paid in full yet Professional Placement services has left it " OPEN '' on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate information on account
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report pertaining to an auto loan account that I held with XXXX XXXXXXXX XXXX XXXX. After careful review of my credit report, I have identified discrepancies involving duplicate reporting of this account. Below are the details of the disputed account : Creditor Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date of Last Activity : XX/XX/XXXX Current Status : Balance owing - {$19000.00} I am disputing this account on the following grounds : Duplicate Reporting : The account in question is being reported multiple times on my credit report. This duplication of reporting is erroneous and has the potential to adversely impact my creditworthiness. Paid in Full : I want to emphasize that the auto loan associated with this account has been paid in full XX/XX/XXXX. 
Despite fulfilling all financial obligations, it continues to be inaccurately reported as active, leading to a misrepresentation of my credit profile. FCRA Compliance : I am bringing this matter to your attention in accordance with the Fair Credit Reporting Act ( FCRA ). The FCRA mandates that consumer reporting agencies, such as yours, maintain accurate and fair information on consumers ' credit reports. The duplicate reporting of this account violates these provisions.

Request for Investigation : I hereby request a thorough investigation into this matter as per the FCRA guidelines. I expect your agency to conduct a prompt and fair investigation within the statutory timeframe of 30 days. 
I respectfully request that you take immediate action to rectify this discrepancy. Upon completion of your investigation, I anticipate a written response detailing the outcome and any corrective measures taken. 
Thank you for your prompt attention to this matter. I trust that you will handle this dispute with the utmost diligence and professionalism. 
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