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

XXXXXXXX XXXX, XX/XX/2019, {$1500.00} XXXX XXXX XXXX XXXX, XX/XX/2019, {$20000.00} XXXXXXXX XXXX, XX/XX/2019, {$5900.00} XXXXXXXX XXXX, XX/XX/2019, {$1300.00} im requesting to have all negative items removed due to fraud activity. 
i am a victim of identy theft. i have submitted all requested. documents and all reports such as FTC reports and also police reports to each credit reporting agency and i still get no response my rights are being violated and this issues needs to be fixed and removed off my credit report immediately. I have contacted credit agency several times and they keep telling me that all the items meet the requirements to be removed.
Product: Checking or savings account

I have been notified by XXXX XXXX XXXX that I have accounts that I have no knowledge off, and it is preventing me from opening an account with XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX and XXXX XXXX and they state that these accounts are valid but provided an address that I have never lived at. I have disputed these items for 90 days to no avail and get the same answers and run around.
Product: Credit card or prepaid card

Received a call from what caller id showed as " private number '' on XXXX/XXXX/XXXX at XXXX and a rude woman responded upon answering that she was from XXXX XXXX Credit Card company requesting to receive payment that I had missed. As I had made payment due on XXXX/XXXX/XXXX and just made another payment online that showed I only owed the regular monthly payment, I responded I would pay online as usual. 

She proceeded to state that she was calling from XXXX XXXX that had taken over XXXX XXXX Credit Services and wanted payment over the phone. She proceeded to state that I had made payment over the phone on last payment and stated the last four digits of my debit card and I had made a phone payment. At that point, I responded that I wanted documentation of phone payment as I have proof from their own website that I had all payments online so any phone communication was mistaken. She had also not stated at the beginning of the call that it was recorded or any mini-miranda statement so her attitude and insistence was insulting as her information did not match. As she did not give that information and repeatedly stated she was from XXXX XXXX, I believe their practices and demeanor warranted a complaint especially from my payment history and lack of communication through mail and phone. 

As I do not expect any drastic action, change, or response from them, I wished to have the experience documented via CFPB as well as through my own documentation via email and phone records. Please notify me if there is any action I should pursue or if there is another venue I should take my complaint. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have exhausted myself at all levels trying to get an inaccurate collections off my credit that is causing me denials for loans. To start, I have only 2 open student loans with, XXXX XXXX. However, I have to complaints that needs to be addressed ; First, EdFinancial which does not have possession of my loan is still being reported in a derogatory manner and the same loan is now with XXXX too. Creditors are seeing a total of 4 loans when there is only 2 because they have different account numbers. 
I request that EdFinancial remove the negative information thats being reported because again my loans are with XXXX and in good standings and not due until XXXX 2018. 

Second issue is that XXXX XXXX have a status on my report that says, Student loan assigned to government which my lenders views as a negative situation where as Im in financial trouble with the government and this is so misleading. I want that comment removed and my account showing current as it should.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX  both incorrectly reported that my SYNC account had an increase on my balance which it did not and has actually had TWO payments in the month of XXXX and XXXX. This incorrect reporting caused my credit score to go down!
Product: Credit card

The company reported the account as a charge off and fail to provide me with a 1099c thus once the account was reported as a charge off it becomes income therefore can not be reported as a debt. I have requested the 1099c several times and the company has not responded with one...
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. Specifically, Cash App failed to take timely and effective measures to prevent an 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 and regulation E. these actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I have attached an FTC report with fraudulent unauthorized inquiries that are reporting to all XXXX  of my credit bureaus
Product: Mortgage

Hello, My name is XXXX XXXX and I am having a problem with Freedom Mortgage Corporation located in New Jersey. In XXXX I obtained a loan with XXXX XXXX XXXX XX/XX/XXXXlocated in XXXX, Washington. I'm hoping to get to attach page XXXX of the related Deed of Trust. In XXXX the loan was purchased and assigned to Freedom Mortgage Corporation. I'm hoping I can attach the Assignment. Around XXXX I paid of the loan balance in its entirety. The XXXX XXXX department at Freedom Mortgage has these documents because I faxed them both to them at XXXX I am now in the process of selling the property that this loan was secured to, but am unable to do so because Freedom Mortgage Corporation never reconveyed the Deed of Trust, so their lien still shows on the property. 

The title company XXXX working with, XXXX XXXX XXXX, XXXX located in XXXX, Washington, and I have had several calls with Freedom Mortgage attempting to get them to help us. The closing on the property has been delayed and the transaction is at risk of not closing. Prices are dropping in the real estate market every day. If this deal collapses, the property will likely not sell for as high a price as it would if it closes now. 

Freedom Mortgage is unable to locate the loan number and therefore does not want to address filing a reconveyance. I was just on the phone with them for over an hour with XX/XX/XXXX XXXX XXXX XXXX. My old loan does not show up in their system. Logically, if I have provided them the assignment of the loan to Freedom Mortgage that they recorded with XXXX XXXX, and I do not have a loan balance showing up in their system, the loan must have been paid. Unfortunately, when the loan was paid they did not bother recording a reconveyance. The have told me that their records from that time period have been purged and my old loan does not show up in their system. 

I need Freedom Mortgage to record a reconveyance with XXXX XXXX before the proposed buyer of my property walks aways from the transaction.
Product: Credit reporting or other personal consumer reports

This company has incorrectly put dispute resolved again on my report This is still in dispute and I dont owe them anything. 
I have clearly showed pictures that the damage was caused by the unit above having a water leak and they are the ones responsible for this damage They owe me money
Product: Checking or savings account

This company called pay pal illegally charged my card, but I never authorized them to use my card, may be someone misused my card and I want the refund immediately, I never used that company service or ever heard about them
Product: Debt collection

Penn Credit continues to call me multiple times a day for a debt with XXXX XXXX that has been already been paid in full to XXXX XXXX. Confirmation number ( XXXX ) They have been supplied with the conformation number for XXXX to show this is NOT a valid debt and should NOT be reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have filed a compliant with Experian, XXXX  and XXXX  as I did apply for anything reflecting to this inquiries, and did not authorize or grant permissible for them to utilize my credit report. 

Please remove the following inquiries as they do a line with any account that I have : XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX  XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Checking or savings account

Around XX/XX/XXXX, Huntington Bank deemed my account to be " risky '' and chose to close the account. Over the following 2 weeks additional deposits were made to the account, hoping the account would become re-opened based on documentation I was told they needed. 

They chose to instead close the account with almost {$9500.00} in the account. As of today, XX/XX/XXXX, the account still has they money, and they continue to deny my access to the money, allowing me to transfer to my XXXX account. At the same time, they have not completed final closing and mailed me a check. 

That is quite a bit of money they are choosing to hold onto. They are the WORST bank I have ever dealt with.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are reporting 4 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 6th dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting

XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Follow-Up on XXXX XXXX XXXX Complaint Legal Action Pending for Fraud and Credit Reporting Errors Dear Consumer Financial Protection Bureau ( CFPB ), This letter serves as an escalation and clarification regarding my previous complaint ( Case Number XXXX ) filed on XX/XX/year> concerning fraudulent activity and erroneous credit reporting by XXXX XXXX XXXX. I would like to emphasize that this is not a duplicate complaint, but a continuation of unresolved issues that require immediate action from both XXXX and your office. 

XXXX XXXX # XXXX. 

XXXX Inadequate Response and Failure to Address Fraud : On XX/XX/year>, XXXX XXXX XXXX responded by asking for additional documentation, including a second form of government-issued ID. However, they failed to address the fraudulent activity on my account, despite my submitting both an FTC Identity Theft Report and an official police report. XXXX 's response continues to ignore the core issuethat my account was compromised through identity theft, which has led to fraudulent reporting across all major credit bureaus, including XXXX, Equifax, and XXXX, as well as third-party agencies like XXXX. 
Ongoing Financial and Personal Harm : The continued erroneous reporting has caused me to lose a {$480000.00} mortgage approval, leaving my family displaced from our home. As a result, we were forced to move into an extended-stay hotel and uproot my children from their school district. This has caused severe emotional XXXX and disrupted my children 's education, further compounding the negative impact on my family. 
Request for XXXX XXXX  : I am demanding that XXXX XXXX XXXX remove all fraudulent entries from my credit report within 14 days and provide written proof that these errors have been corrected. If this issue is not resolved to my satisfaction within this time frame, I will be proceeding with legal action. 

Legal Action : I have consulted XXXX XXXX XXXX, and they are prepared to take legal action on my behalf, including suing XXXX XXXX XXXX for {$480000.00} in damages resulting from the loss of my home loan, the disturbance to my children 's education, and the emotional and financial hardship caused by XXXX 's failure to address this matter. 

I trust that the CFPB will assist in expediting this process to ensure that XXXX takes immediate action. If this matter is not resolved within 14 days, I will proceed with filing a lawsuit for damages, including punitive damages, as well as legal fees for the distress and harm caused by their negligence. 

Thank you for your attention to this urgent matter. I look forward to receiving confirmation from both XXXX and the CFPB that the issue has been resolved. 

Sincerely, XXXX XXXX XXXX XXXX Ending in : XXXX
Product: Debt collection

CREDITOR : SECURITY CREDIT SERVICES ORIGINAL : XXXX XXXX AMOUNTS REPORTED : {$2100.00} & {$450.00} UPDATED AS OFXX/XX/2020 VIA XXXX XXXX XXXX I am a victim of identity theft. I have a n extended fraud alert with all three bureaus, and per federal law a creditor must call the number listed on the alert prior to obtaining or extending credit. This is a clear violation of 609, I request these accounts ( among others ) be deleted immediately before I'm forced to seek legal recourse.
Product: Credit reporting or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Request for Deletion of Open Auto Loan Based on the Gramm-Leach-Bliley Act To Whom It May Concern, I am writing to formally dispute the reporting of an open auto loan account appearing on my credit report. The account in question is as follows : Account Name XXXXXXXX XXXX Account Number : Reported Date : Pursuant to the Gramm-Leach-Bliley Act ( GLBA ) and its provisions governing the protection of consumer privacy and financial information, I request that you investigate the inclusion of this account on my credit report. Specifically : 1. Privacy of Consumer Information : The GLBA restricts the sharing of non-public personal information with unauthorized parties. If this account was included in error or reported without proper authorization, it may violate the privacy rights protected under the Act.

2. Accuracy Requirement : The Fair Credit Reporting Act ( FCRA ) also mandates that all information included in a credit report must be accurate, complete, and verifiable. If this auto loan can not be verified or was improperly shared, it must be removed immediately.

I respectfully request the following : 1. Verification of the accounts accuracy and compliance with the GLBA and FCRA.

2. Deletion of the account if it is found to be inaccurate, unverifiable, or improperly shared.

Attached, you will find copies of the following documents to assist in your investigation : A copy of my government-issued ID for identity verification.

A copy of a recent utility bill as proof of address.

A copy of my credit report highlighting the account in question.

Please provide me with a detailed response regarding your findings within 30 days, as required by law. Should the account be removed, I request written confirmation for my records.

Thank you for your immediate attention to this matter. I look forward to your timely response.

Sincerely,
Product: Debt collection

In XXXX XXXX, I was contacted by a XXXX XXXX salesperson at my door, advertising " free '' home monitoring equipment to those with qualifying credit willing to act now. I signed a XXXX contract under these false pretenses to initiate service, then attempted to cancel the service over a year later. Now, XXXX years after the attempted cancellation, Perfection Collection is attempting to collect {$3500.00} on behalf of XXXX, more than the cost of service over the entirety of the contract. The salesperson was misleading both in that the equipment was free, as well as my ability to cancel and that the offer was " for a limited time ''. I was also never provided in writing the full cost of the services, including the costs associated with early termination. The contract should be considered void under these circumstances.
Product: Prepaid card

In XXXX I was XXXX and my card info was stolen and so my funds were used. Upon getting out XXXX of XXXX I tried to access my account and I was unable to locate it even with my social security number I had to create a new account and still can't get my money back.
Product: Debt collection

To whom it may concern : I was married at that time to my ex-husband XXXX XXXX that was the co-applicant of the car financed back in 2018. Once we separated and filed for divorce, my ex-husband left me with XXXX children to care for by myself and left to XXXX XXXX XXXXXXXX to live. He also threatened to have the car taken away from me which was the ONLY means of transportation that I had to take my children to school, go grocery shopping and work. 

The finance company ( XXXX ) then came and took the car away from me. I then was left all alone with my XXXX children and trying to make ends meet and had to move from location to location looking for places to live for me and my children. Many times staying at non-related homes and apartments that were so kind enough to take us in. 

Letters was sent to XXXX XXXX my ex-husband and I NEVER received any notification of those letters sent to me and did not know of this debt. 

NCB Management Services , Inc. bought the debt from XXXX XXXX. 

It has now been over XXXX XXXX and XXXX XXXX, and now that NCB found me and not my ex-husband, they are chasing me of debt loan and NEVER sent me a letter that I was going to be sued for this debt. 

Please follow up on this and help me through this unfairly and unjustly lawsuit. 

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

On XX/XX/XXXX Lexis Nexis VALIDATED to XXXX  that a bankruptcy that appears on my credit report is accurate. I have asked Lexis Nexis to validate the bankruptcy they are reporting is actually mine, which they have failed to do so. Furthermore, my account with Lexis Nexis has been frozen and suppressed for over a year ( since at least XX/XX/XXXX I have proof ) My concern is that even though I have my information " frozen and suppressed '' Lexis Nexis is still fraudulently providing that information to other agencies or entities if they request it. 

My next issue is that Lexis Nexis has failed to provide me with the validity of the bankruptcy which is information I requested from them. They state the information is public information which is correct and true, however, without validating through the courts ( not PACER or an XXXX # ) how can it be confirmed that the bankruptcy is accurate?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This is the third time I have file a complaint. I am filing a complaint about some addresses that are not accurate on my credit report. My SS is XXXX my DOB is XXXX. I am trying to make a Home purchase and my credit report is full of errors. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  sis reporting incorrect information to the credit bureaus, currently reporting late payments on an account that is in collections, and has no payment agreement in place. Therefore, misrepresenting my relationship with them, and causing harm to my financial situation. 

Collections accounts are not allowed to have a history of late payments! I do not have a payment agreement in place with this company. Please delete this grossly incorrect and damaging reports from my credit reports. A collection is by default, derogatory, this goes without say. Please delete this immediately!
Product: Credit reporting or other personal consumer reports

This violation of 15 US Code 1681i ( 5 ) ( B ) ( i ) ( iii ). This item was initially deleted for inaccuracy and then you reinserted it back into my credit report without notifying me in writing within 5 days afterward. I demand you delete this account immediately. 


Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX