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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureaus letters asking them to verify the debt on my credit report. They have sent back stating that everything is verified correctly for the account of Capital One # XXXX. My credit report is still showing inaccuracies. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have an company XXXX that I know nothing of that keeps pulling my credit for no reason. I have n't applied for any credit cards due to the fact of trying to fulfill XXXX past ones on my credit. I also placed a fraud alert on my report and have n't received not XXXX call from companies while there are still being hard inquiries being reported on my credit report. It 's quit frustrating when the credit bureau does n't believe you and your already in a XXXX situation.
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. 

XXXX XXXX XXXXXXXX, XXXX XXXX XXXX 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 an 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

Hello, For 1 year I've trying to rectify my escrow account after receiving my escrow analysis back in XX/XX/XXXX. I was in bankruptcy but at a reaffirmation/automatic stay. My house was not included in the BK. Last yr I had to scan in my property tax bill because they didn't include my increase. I did my own analysis with the increase and paid the shortage {$600.00} shortage XX/XX/XXXX to cover the new prop tax pmnt, paid the increase in the mortgage payment to cover everything which was {$1600.00} as opposed tot he {$1500.00} they were requesting. Come XX/XX/XXXX the site said my payments were going up {$41.00} making it short {$500.00} but I tried to explain to them there is already a surplus of {$600.00} so it's impossible to be short anything that high while it's already sitting there. After my new analysis I did on my own and being I must have $ in my escrow account all I need to pay is {$230.00} because escrow can't be at a XXXX. On XX/XX/XXXX I spoke with a Sup and she was so ignorant I had to hang up, toda I spoke with a Sup who refused to go over my findings and escation to escrow dept was sent. I advised her the CO sent a letter dated XX/XX/XXXX plz pull it up she refused due to an escalation from XX/XX/XXXX. Here is my analysis which they don't get. 
ok XXXX thru XXXX escrow of XXXX x XXXX XXXX then homeowners insurance ins will be paid paid XXXX XXXX XXXX then bal {$2000.00} then XXXX pmnt of escrow will be paid XXXX bringing escrow balance to XXXX Then XXXX prop tax pmnt is {$3100.00} and hving the in escrow XXXX my new total is negative XXXX but there is a surplus of {$600.00} sitting in escrow now. 
So if anything i may be short XXXX not {$500.00}. 
When I worked mortgage if a customer asked to go line by line we did it, this CO does not, never has answers nd I even had XXXX in BK dept she doesn't know escrow. 
How can believe anything this company says or does. no one in that CO knows escrow. The literally are worse than XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently on the forebearance plan right now and keeping informing XXXX for the last 6 months that my balance keeps going up by a massive amount on all 3 credit reports dropping my score by 100 points. I provided the information to them was told someone was going to get back with me about the issue with the balance increasing every month mine and wife credit report. I am also missing data on the reports were it is not showing current status as part of the Covid 19 relief bill. I made several attempts to file dispute with equifax, XXXX, XXXX, and XXXX XXXX  nothing been done to update the the balance investigation why data is not updating properly and balances. I called several times to XXXX XXXX  the reps have a attitude and never get anything resolved.
Product: Credit reporting or other personal consumer reports

A company named nexis, is apparently hired byXXXX, may also be XXXX, XXXX. I received a credit report from Nexis, stating I have used multiple Social Security numbers, and I have a judgement, against me. They also use a credit score, that isn't accurate, for my current credit score, history. I reached out to XXXX, and they said that what NexisLexisRisk solutions is reporting is not on any of there reports. I spoke with 2 people at XXXX, and they stated there report, credit reports, for me, does not have any of this information, that NexisLexisRisk solutions is reporting against me. As for dates, the first report from NexisLexis Risk S, was on XXXX, then there was one today, when I applied through the XXXX app, for a dental loan, both reports are the same, that I'm using multiple Ss numbers, liens, judgements. My bank is now reporting something odd, that I possibly filed for bankruptcy, which that has never ever happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters on XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022 The required notice of dispute was never entered within the 30 day time frame after multiple attempts - delete these accounts immediately pursuant to section 623. Stop reporting this due to FCRA non-compliance of inaccurate data being furnished on the consumer report
Product: Debt collection

I was contacted XX/XX/XXXX regarding a debt that they said was owed from XXXX XXXX from XX/XX/XXXX. I moved from an address in XXXX, MA on XX/XX/XXXXand at that time disconnected my XXXX XXXX service and paid off my bill for {$500.00}. The lady on the phone could not tell me my last payment or when I disconnected service. I called XXXX XXXX and they told me to call back the collection company. I have not received a phone call, bill, or letter from anyone since I moved and disconnected service.
Product: Checking or savings account

I had two business accounts with US Bank with over {$88000.00} between both accounts. Both accounts were open under two XXXX  that I created. I sold skin care products & beauty products through both sites. 
In XX/XX/2021 they froze both accounts due to possible fraudulent activity. 
They closed both of my accounts in XXXX and took all my entire over {$88000.00} out and sent me a letter saying both accounts were closed with XXXX balance! 
I have contacted them a few times since XXXX and they said they are in the process of sending back all my income!! I have asked for accounting numbers on returns and still am wondering how they could take all my money!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX  This medical collection is also showing 3 different account numbers on all three bureaus. 
# XXXX # XXXX # 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 : States a consumer reporting agency can not furnish an account without my written instructions.
Product: Student loan

My complaint ( s ) :1. ) ACS has refused to answer the questions below. The questions are in response to XXXX XXXX XXXX statement to CFPB complaint # XXXX. Her response contradicts how delinquent items are to be reported under the FCRA. 
My questions : -Reporting the date of last delinquency ; does it start from the date the account first went into non payment status ( i.e. payments were to begin XXXX but a forbearance is added on XXXX account is 2 months delinquent ; does the date of first delinquency begin on the month after the first payment was due PRIOR to forbearance or does it begin at the end of the forbearance ... no payment was ever made before or after )? Considering no payments were made ; does a forbearance negate the original date of delinquency and cause it to start after the forbearance? 

2. ) ACS did not address why it is reported differently on the XXXX credit agencies. ACS stated this account is not being reported on XXXX. It is ... see below. 
XXXX : ACS/XXXX / XXXX. 
XXXX : XXXX / C/O ACS. 
XXXX : ACS/XXXX. 

3. ) ACS is telling me that I need to contact XXXX XXXX to resolve this issue. XXXX XXXX is no longer in business. All the numbers for XXXX XXXX ring back to ACS. ACS is telling me that they are not responsible for reporting because they no longer have the account.
Product: Credit reporting or other personal consumer reports

In the months of XXXX and XXXX my credit report shows every time I used the card and my balance increased but still to today it doesnt show that the balance has been paid down or off Ive called the card provider and the reporting agency. I havent received any confirmation of the problem being resolved.
Product: Debt collection

XXXX XXXX authorized custodian of XXXX  XXXX XXXX, successor in intrest to XXXX. 

XXXX XXXX Bill of Sale  XX/XX/2020. 

these charges were for housing and student loan debt over 7 years old as a result of preadtory lending.
Product: Credit reporting or other personal consumer reports

EQUIFAX data breach has impacted me economically, because I had been getting alerts about new accounts being open in my name. As well as, my credit score has suffered very negatively
Product: Credit reporting or other personal consumer reports

FCRA 605B might mean we have to get rid of incorrect accounts from my credit report. Can you look at the papers? Some listed accounts have wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX A XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX In accordance with the Fair Credit Reporting act XXXX, the following accounts have violated my rights : 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

The is an auto loan account with XXXX XXXX XXXX, hereafter listed as XXXX, that is showing a 30 day late payment in XXXX of 2021 that should not be reflected as being late. After several attempts to update and filing legal action against XXXX I received a settle confirmation from them that they requested that the information on my account be updated to correctly show, paid in full and never late. They specifically stated the XXXX  2021 30 day late would be requested to be removed/updated to never late and the balance on the account reflecting {$0.00} paid in full. This was nearly 6 months after the account had been paid in full after 3 attempts with TransUnion to have the information updated because they were showing a balance of over {$15000.00} with the 30 day late but they continued to respond verified/accurate. I have attached a copy of the documentation that my attorney provided me from XXXX which I shared with TransUnion. I section 2 of this document you can clearly see the information I referenced. TransUnion not updating this information this information is a direct violation of the FCRA and needs to be addressed immediately.
Product: Student loan

Had a {$12000.00} payment transferred from XXXX to Mohela in XXXX. Was told it would take 90 days to process by both parties. After 90 days, XXXX stated they had no record of the payment and that it would have been forwarded directly to Mohela, and Mohela does not respond to email requests re this payment, and has me on hold over 2 hours to try to speak to a representative.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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: Credit reporting or other personal consumer reports

I notified the bureaus that I Am a victim of identity theft
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 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, financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed certified letters to the credit bureaus on multiple occasions in an effort to contest inaccurate information on my credit reports with Equifax, XXXX  and XXXX. Each time I get notification that the information is being disputed and subsequently verified and nothing is changed. I challenged 2 bankruptcies that are on my credit reports with Equifax and XXXX  ( XXXX  removed ). Equifax and XXXX   replied that they verified the information belonged to me. I then went physically into the bankruptcy office and spoke on record to individual who provided document stating that they had not verified any information about me with the credit bureaus. XXXX removed the 2 bankruptcy accounts but left 1 invalid/inaccurate account ( XXXX ) that has since been paid off but being reported as a charge off with a balance and negative history.
Product: Debt collection

This complaint is against American Honda Finance Corporation. This company has been unfair and negligent. 

Ive leased numerous leases with Honda for my company. When I turned in my last lease in XXXX, the finance manager told me that auto pay would be setup on my new Honda as well. I didnt think much of making payment arrangements after that. 

Since this is a company car, my company account was handed the contract and they were responsible to make the payments. They received no notices and did not have the presence of mind to follow up with Honda. 

Attached is a letter from the accountant stating he was responsible for making the payments on behalf of the company. Due to this, I am requesting that Honda to remove the XXXX late payment from the credit report and send the notice to all credit bureaus. 

Account information : XXXX  XXXX, ac # XXXX XXXX Thank you.
Product: Debt collection

FAIR COLLECTIONS & OUTSOURCING has attempted to collect an alleged debt not owed. 

I received an alleged debt collection notice from FAIR COLLECTIONS & OUTSOURCING, INC for the amount of {$8200.00} which violated 5 federally protected consumer rights under 15 USC 1692. 

On XX/XX/XXXX, I mailed a Debt validation letter to FAIR COLLECTIONS & OUTSOURCING, INC requesting validation and NOT " verification '' or proof of my mailing address. Also on this date, I mailed a Cease and desist letter pursuant to 15 USC 1692c ( c ) to cease all forms of communication with me through any and all mediums. 
I have also sent a notarized affidavit of truth with exhibits and an invoice for the violated federal consumer rights under 15 USC 1692 which is {$1000.00} per violation. 

I have received a green return receipt stating that FAIR COLLECTIONS & OUTSOURCING, INC received and signed for the letters as of XX/XX/XXXX. 

FAIR COLLECTIONS & OUTSOURCING , INC currently has 711 consumer complaints on the CFPB as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the following accounts on my credit report. These items contain inaccurate, unauthorized, unverifiable, and potentially fraudulent information, violating federal and state laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
15 USC 1681e ( b ) ( FCRA ) - Ensures that all reported information, including auto finance accounts, is accurate. Any inaccuracies in reporting, such as an incorrect last reporting date or payment history, violate this standard.15 USC 1681s-2 ( a ) - Places a duty on furnishers of information ( like XXXX finance companies ) to report accurate information to credit bureaus. Failing to update or correct this information breaches their duty to report accurately.15 USC 1681i : Unverifiable information must be corrected or deleted. Privacy XXXX : Under the Gramm-Leach-Bliley Act ( GLBA ), reporting my personal information without consent constitutes a breach of privacy rights. 

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

Contacted company requested they stop reporting an account that was paid off by insurance as derogatory, chargeoff, and/or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email displaying a dept store statement which had an inaccurate balanced on  XXXX / XXXX / XXXX . I called the dept store and spoke to an agent and told her that I did not place that large purchase for {$850.00} at   XXXX   on  XXXX / XXXX / XXXX . She corrected the balance and said that she will send me a new card. I went to   XXXX   XXXX   and checked for any other fraudulent activity and noticed on that same day,  XXXX / XXXX / XXXX , there were  XXXX  other hard inquiries done without my consent that someone else had did.    XXXX     XXXX   XXXX / XXXX / XXXX  &amp;  XXXX   XXXX / XXXX / XXXX . I also noticed an inquiry from  XXXX   XXXX / XXXX / XXXX  from  XXXX   XXXX   XXXX   XXXX  was done without my consent. I tried calling but I could not get through.
Product: Mortgage

Good evening Sir or Ma'am, please reference previous complaint number : XXXX. 
OCWEN Mortgage engaged in deceptive lending practice based upon CFPB Lawsuit filed in 2017. I feel that based upon the awsuit filed by the CFPB, I was wronged and deceived by OCWEN. As I stated in my previous complaint, OCWEN soled / transferred a past due / delinquent mortgage to XXXX XXXX. Doing this action has caused a hurtful and financial burden upon me and my family. 
XXXX XXXX has decided not to report the account to any of the three credit agencies. I am requesting OCWEN do the same ; not report the account and any information to the three credit reporting agencies. 
Thank you in advance for your help and report. 

v/r XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX PREMIER XXXX Balance : {$1000.00} XXXX  XXXX Balance : {$200.00} 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX