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

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$3300.00} ; XXXX XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$490.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account and inquiries deleted or updated. These are the items I demanding to be deleted immediately : Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed bankruptcy XXXX and was allowed to pay interest only which my contract states. I made all my the payments. Approximately three months before my discharged, Nationstar Mortgage is stating I am past due, I made all my payments on time. Nationstar has returned my checks stating that the amounts are not enough for payment. They have not processed my Harp due to incomplete forms I filled out all the forms that was mailed to me they did not send me all the forms at the same time, causing me to be late for their time line. They have also reported to the credit bureaus that I am behind in payments, I am not. 
They have refused to send any or all information requested by my attorney to be mailed to her. My attorney has asked me to seek other advised, due to Nationstar non corperation. On XXXX XXXX, XXXX they have cashed a check in the amount of {$790.00} for XXXX XXXX, XXXX payment. Refused XXXX payments now wants money orders but no personal checks my checks have not bounced I told them this would cause a hardship to have to pay extra cash for money orders or cashier 's checks etc. due to them not accepting my checks that I already paid for and have plenty of.. 
By XXXX/XXXX/XXXX they will accelerate foreclosure on my house a certified letter I received today XXXX XXXX, XXXX by a person who has not been able to be reached by my attorney.
Product: Debt collection

I broke my lease with XXXX in XX/XX/2021 due to security circumstances. I had to pay a debt to break my lease. I have been having communication issues with them due to their negligence on correcting my online account to pay my bill online. I paid the first portion by money order in person ( this was a 30 minute commute for me ) after I addressed them that if they don't fix this I will have it reported, they finally fixed my online account so I was able to pay the final portion of my bill in XX/XX/2021. However, I was still receiving emails from their parent company. I informed them by email again that I paid my bill and if these emails continue I will report them, so they stopped. However, when I checked my mail today ( XX/XX/2021 ), they apparently sent my " balance '' to a collections company. This is false because I have emails, screenshots, and even I can show you a screenshot that this money was withdrawn from my account to XXXX. They have the money. I don't know what they did with it but considering I did my part, it is not fair that they are demanding money that I don't owe them. After many attempts to warn them of this abusive behavior, I'm now forwarding this as a complaint. I also would like to add that this rental property has a reputation in XXXX of taking advantage of people in the poverty line. They would do all they can to take your money and now I can show my story, because they are trying to do this me, even though I paid my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Bureaus, I have submitted multiple FTC reports and police reports requesting the removal of some accounts that were fraudulently open under my Name. You have completely ignored my request after many attempts. You have taken over 30 days to resolve my issues and have also not provided me with an actual investigation other than just saying " we have verified with the XXXX  XXXX  '' I have been demanding proof and have not received. You are committing a violation which I am protected by the Congress under the Fair credit reporting ACT FCRA. Below I will state my issue one more time! 


I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ) The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. XXXX  XXXX XXXX # XXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 3.. XXXX XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 4.. XXXX XXXX # XXXX XXXX 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 Delete this account immediately, unless you want to be held {$1000.00} per violation 5. XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 6.. XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 7. XXXX # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation
Product: Credit reporting or other personal consumer reports

Experian investigation on XX/XX/XXXX did not fix the blatant reporting errors from XXXX on my report despite me sending numerous proofs of my XXXX and XX/XX/XXXX payments to XXXX. XXXX has repeatedly misrepresented and falsely reported payment history. Information on my account with them to XXXX credit bureau experial entrancing credit bureau multiple times over the last XXXX XXXX months. XXXX is engaging, and this deceptive credit practices in violation with FDCPA and is deliberately sabotaging my credit score blatantly misrepresenting current payments as late progress made with positive reporting of my payment history. It has repeatedly reported changes to payments received in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX. Please investigate XXXX credit reporting practice as they are deliberately causing irreparable harm to my credit. Furthermore the payments on XXXX website were on time and in deferment.
Product: Debt collection

I filed a complaint about this company with CFPB on XX/XX/2021 complaint # XXXX about a alleged debt that I have disputed and continue to dispute. I requested that all collection and credit reporting cease and desist to no avail has this occurred and the alleged proof and frivolous explanation is not acceptable. 

I continue to receive unwarranted calls from this abusive agency after requesting cease and desist..
Product: Credit reporting, credit repair services, or other personal consumer reports

After numerous attempts of disputing with the credit reporting agencies these accounts are still reporting inaccurately on my credit report. Under the FCRA law the Credit reporting agencies are supposed to 100 % report accurate information on my credit report. 
These accounts are not reporting 100 % accurately and after disputing the credit bureaus has stated they have investigated and are 100 % reporting accurately. 
XXXX XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXXXXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX XXXX  incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX incorrectly reported as a charged-off account with a balance due XXXX XXXX XXXX XXXX  this collection account is reporting as an open account when it is supposed to be a closed/ collection account. 
Date of last activity is reporting inconsistent on all accounts, its highlighted on the credit report. 

These accounts reporting inaccurately are a violation of my FCRA rights and it is not allowing me to have a 100 % accurate credit report.
Product: Money transfer, virtual currency, or money service

PayPal limited my account permanent without any reason. XXXX PayPal. ( Ref ID - XXXX XXXX The processor PayPal has infringed in a violation of my consumer rights. PayPal has closed my account to prevent me from withdrawing my money to my bank account. Send them all the documentation they requested, bank account, photo identification. According to PayPal, accounts are blocked for unauthorized transactions, disputes, or chargebacks. I have no disputes, I have no chargebacks and I have always used my account respecting the policies and use agreement that are established in PayPal. The reason for the limitation was due to the withdrawals I made to my bank account. My account is XXXX I am scared that this company will steal my money and not allow me to withdraw it. I enclose all the evidences of how this company does everything possible so that I can not withdraw my money Account ID : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.. US DEPARTMENT OF EDU XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, US DEPARTMENT OF EDUC XXXX, UNKNOWN XXXX
Product: Money transfer, virtual currency, or money service

On Monday XX/XX/XXXX, I was at a friends house XXXX XXXX XXXX XXXX XXXX XXXX and received a notification from Cash App that I had a negative balance when oddly I deposit {$10.00} on XX/XX/XXXX. It puzzled me and I googled Cash App Customer Service. I called XXXX and spoke with someone that pretended to be Cash App Support Services. They politely explained to me what had happened, reassured me that they could handle the negative balance as well reverse the funds back into my account. He put me on hold and had requested that I downloaded an app Team Viewer Quick Support, as I was asking him questions, I asked to speak to a manager. XXXX from XXXX called me and reassured me that they would handle this situation. They told me they had to enter XXXX in the pay out as a code and It was minutes that moment I thought to myself I just got hacked. 
I checked my XXXX XXXX account and {$2300.00} was taken out my account. By this time I had been on the phone for 1-hour talking and yelling at them to fix this problem or Im call the bank. XXXX told please do not call the bank we can fix this problem. XXXX stood in her living room and said that this doesnt make any sense. They tried to involve her by requesting to transfer my {$2300.00} to her Cash App account. I called the bank on the line while they talked to XXXX. And the bank told me that someone tried to take three different withdraws, which the last one was in the amount of {$2300.00}. The bank opened up an investigation. I am filing this Police report with XXXX Police department to report someone pretended to be Cash App Support.
Product: Credit reporting or other personal consumer reports

This was done over line years ago. I had no knowledge of it until the person who took out loan stopped paying and moved.They said I co-signed! I never signed anything! It appeared on our credit and we tried contacting XXXX numerous times. Also contacted Equifax, XXXX etc. to get it removed. They contact XXXX and they take XXXX word that says that we owe it and I get nothing done. This has gone on for years. I suspect that I had great credit and am related to this person was the reason it was done.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX guided me to create accounts with equifax, XXXX, and XXXX  in order to be able to Freeze and Unfreeze my reports for identity protection. 
Successfully created all three accounts and Froze my reports. 
All of a Sudden, I Could No Longer Log Into EQUIFAX. 
On the phone with support. Password Resets Never Took.

Has now been One Week since I was told a " ticket '' had been created to help me.

Other Two bureaus I have No Issues with. 
Have already canceled XXXX. No need to Pay for services already offered for free. 
The email Username I use with equifax is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  name 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 : its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights.

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX XXXX XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ).

Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o.

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent.

Please remove, block or provide me with your investigation results in written form through the USPS for this account : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Several concerns have been identified, including unauthorized or unapproved inquiries from multiple creditors, as well as data breaches XXXX XXXX  and Equifax : Data breaches reported in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
Verifications.io with XXXX and Equifax : Breach reported in XX/XX/XXXX. 
XXXX XXXX XXXX : Data breach exposing personal information on XX/XX/XXXX. 
Summary of Creditor Inquiries : Creditor Name Type of Business Date of Inquiry Credit Bureau 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Notice of Violation of 15 U.S.C. 1681e ( b ) I have written notice from the clerk of courts that they don't provide information to third party reporting agencies.
Product: Checking or savings account

Charles Schwab informed me last week -- out of the blue -- that they were closing my brokerage account, my IRA and my checking accounts. This is the fourth bank to close my accounts without giving me reasons why. I have had this happen with XXXX, XXXX XXXX and XXXX XXXX, too. This problem goes back to around 2010. I NEED to know the cause of this.
Product: Vehicle loan or lease

I would just like to know if I'm getting in settlement in the latest Wells Fargo law suit. I have complained many times over the years both to this orgainization and Wells Fargo with no remedy. 

From XXXX to XXXX I took an auto loan from Wells Fargo, mailing in my payments 1 month in advance only to find they are not being processed until they are late to add late fees. When I moved payments to be electronic, Wells Fargo would reverse the payment then take it back to add late fees. Wells Fargo at the time claimed it was my bank not authorizing the payments and investigation with my bank proved that to be a lie. 

As far as I'm concerned Wells Fargo owes me {$30000.00} at least. {$20.00} for the car and {$10.00} for the fraud. How are they still in business?
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, Experian, XXXX credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

by XX/XX/XXXX I request to XXXX XXXX review an inaccuracies in my credit report, I gave 30 days , they answer was need more information my dispute was clear and attach the report multiples inaccuracies, one of them DOLA DIFFERENT BETWEEN THE 3 OF THE BUREAUS.
Product: Mortgage

In XX/XX/XXXXI was informed that my father XXXX XXXX had a reverse mortgage from XXXX XXXX XXXX XXXX and then I received a letter from the above bank I since have dealt with 4 banks and 3 attorney 's and bankruptcy to finally fine a copy of my daddy 's original loan from XX/XX/XXXX. I was led to believe my father owed {>= $1,000,000} dollars when the bank only lent my father $ XXXX.XXXX XXXX was sold to XXXX XXXX XXXX and they were sold to XXXX XXXX now XXXX XXXX is the investor and XXXX is the Servicer who replaced XXXX XXXX in XXXX Tx. last summer I was in contact with XXXX   escalations department and able to establish a short sale where I could sale the house 3rd party to my daughter XXXX XXXX who is a XXXX XXXX with the XXXX XXXX XXXX XXXX district. My daughter signed all the disclosures only to find out the lender wanted gave her alone for {$390000.00} when the loan pay off was XXXX we ask XXXX  to allow us to find another lender. they agreed right before the holidays  to allow another broker. On XX/XX/XXXX. I found out the short sale letter expired and my realtor was out of the country in XXXX on an emergency plus the government shut down is not allowing me to contact hud to make them aware of all this confusion. I called XXXX XXXX and I have not received a response and my daughter who is XXXX is ready to close within 2 weeks on a house we have lived in 53 yrs. This house is our family home and I have a XXXXyr old aunt who lives with us we need help with this mortgage servicer asap. the bank wants to foreclose knowing we are closing on a loan with the government shut down there is a major conspiriacy
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act 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
Product: Credit reporting

You are currently reporting fraudulent information on my credit report. You are damaging my person by your institutions inability to properly verify these purported debts via an original consumer contract with my attributed security instrument applied to it. Remove these erroneous and fraudulent accounts off of my credit report immediately per 609A and 605B of the FCRA. Consumer Financial Protection Bureau will be contacted about your institutions lack of follow through and defamation of my person causing loss of personal wages.