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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 don't understand why once again USAA XXXX XXXX XXXX ADDED the following comment BACK under my VA mortgage loan with regards to a Natural Disaster that has not happened to my residence nor area. This is once again being submitted as well to my insurance company and FEMA. 

I do not understand why additional false reporting is being done by USAA XXXX XXXX XXXX after each complaint I file to the CFPB. There is a serious issue and pattern of misconduct going on and I need answers. I need this ONCE AGAIN REMOVED from my credit report. 

Also per last complaint to the CFPB, I need all payments be reported to the credit bureaus so I can move forward with my personal bank taking over my loan to refinance since this issue seems to never be resolved per XXXX XXXX, refer to USAA XXXX XXXX XXXX taped phone conversation. 

Here goes ANOTHER CFPB complaint. 


Sincerely, XXXX XXXX Updated Account Information USAA/XXXX XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. 
Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Affected by natural disaster
Product: Credit reporting, credit repair services, or other personal consumer reports

I am been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I will also file with the CFPB and FTC! This is unacceptable!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. The particular account position that is recently filing on this credit document has a seriously unfavorable impact on my capacity to attain guarantee on the latest loan request, be sure to present facts that this is being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.
Product: Mortgage

This XXXX mtg co is the worst. 
They bought my mtg. in XX/XX/2019. When I went through refi they found out that previous mtg co did NOT pay last quarter taxes. Now after 2 mos. of getting everything in order they tell me I MUST pay the taxes again in order to close on refi. I pay my taxes every month. Plus,  I was told that we were closing on the XXXX and now I do not have XXXX XXXX payment. 

This is XXXX  XXXX!! The old mtg co said they would pay the taxes & penalties. BUT, XXXX Off Roundpoint paid bot quarters and penalties. 

Now in order to close on my refi they want me to pay the taxes again ar closing and then wait for the refund from county which will take months, per county. 

I paid my taxes!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX a natural person, ( hereinafter referred to as consumer ) is sending notice to Experian, its United States affiliates ( collectively, Experian, we, us, our ). 
I the consumer is opting out of any privacy policy and/or terms of use consumer may have directly or indirectly agreed to using Experian services or websites. 

Experian has 15 days to permanently to delete and remove the following personal data from my consumer report and credit file. 

Experian is not authorized to collect, use, sell, use and share the following personal data : XXXX XXXX NAME ID # XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX NAME ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX XXXX XXXX PaXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX Experian must provide free copies of my consumer report, consumer disclosure and credit file reflecting updates in accordance with consumers instructions. 

Any authorized use of consumers personal data will not be tolerated. 

By sending Experian this notice consumer does not waive any rights to take action against Experian for any past or future violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

<br> 2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account.

<br> 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5800.00} -This is not my account.

<br> COLLECTIONS <br> 5. XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a credit limit of {$5600.00} -This is not my account.

<br> 6. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8800.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting at the list of accounts below, have my violated federal Protected consumer rights to privacy and confidentiality under 15 US C 1681 these accounts : XXXX XXXX XXXX accounts number :XXXX XXXX XXXX : account number:XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 US C 1681 sections 602 states I have a right to privacy and according to 15 USC 1681 EB . They are supposed to ensure this whenever a consumer reporting agency prepare consumer report. It shall follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom report relates 15 USC 1681C section states no consumer reported agency may make any consumer reporting cons containing any of the following items of information any other advertise items of information, other than records conviction of crimes, which dates the report by more than seven years 15 USC 1681S to a one a a person should not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cause to be believe that the end information is an accurate
Product: Debt collection

Yesterday, a man attempted to contact me by calling my brother. 

I called this person.. He says that he is attempting to collect a debt. He said that he has sent mail to my home repeatedly regarding a debt I owe to HSBC bank from an account held 2009. I never received this mail. 

The man told me that if I don't pay him {$500.00} by the end of the business day toward a balance of about {$1500.00}, he would subpoena me at my job. He said that in the event that I do not pay, my debt would increase to about {$5000.00}, I would have a ding on my credit score, and I would receive a subpoena at my job this Monday. 

My court date he said will be XX/XX/XXXX. 

I have not received a summons or any mail from HSBC.

I contacted my credit bureau and there hasn't been any sign off from HSBC.
Product: Mortgage

I sold my home at XXXX XXXX XXXX XXXX XXXX, Ky XXXX and closing was on XX/XX/2022. It was financed with a VA mortgage through Freedom Mortgage. I am due the balance of my escrow account of approximately {$1100.00}. After 3 weeks I have still not received payment and each of the three times I have spoken with a representative from Freedom Mortgage I get a different vague explanation of why I have not received payment. My Freedom Mortgage Account number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is many fraudulent accounts on my credit reporting that I have never had or authorized.I believe to be a victim of identity theft and I am in the process of purchasing a home and this has caused me alot of trouble. Please help me. The accounts are showing as XXXX XXXX, XXXX XXXX and XXXX  XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to All Three major credit reporting agencies and the creditors to dispute any/all inquires that I do NOT recognize and they still refuse to remove them from my report. 

These inquires are as listed : Equifax Inquires- XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021 , XXXX XXXX XX/XX/2021, XXXX XX/XX/2021 XXXX Inquiries : XXXX XXXX XX/XX/2021, XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX  XX/XX/2021 , XXXX XX/XX/2021. 

XXXX Inquries : XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XX/XX/2021, XXXX XXXXXXXX XXXX XX/XX/2021, XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021.
Product: Credit reporting or other personal consumer reports

The credit bureau indicated that they investigated and verified the information they were reporting was correct. That is not true!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX/WESTLAKE FINANC add a hard inquiry on my credit report per XXXX.
Product: Credit card or prepaid card

I receive social security in the amount of {$940.00} each month. On or around XX/XX/XXXX to XX/XX/XXXX two withdraws were made in the amounts of {$550.00} and {$360.00}. I did some homework and found that the transactions were made at a XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, XXXX I live in XXXX, I have never been to XXXX nor do I know anyone that lives there. I had XXXX XXXXXXXX on the XXXX of XXXX and was no able to drive or even leave the house for 3 weeks. My debit card was in my home all the while. I did contact DirectExpress at Comerica Bank. I filed a dispute that was denied, then filed a second dispute that was denied also. I called to have the investigation papers sent to me but they never arrived. I then called to see if they were sent only to find that they were sent to the wrong e-mail. They wouldnt give me any further information. I did tell them to mail the papers to me, not e-mail them. I then asked them to re-send them to me. I should add that a provisional amount was sent to me the XXXX of XXXX which they took back from my debit card in XXXX. Ive since called social security and had my monies now coming to my local bank. Im waiting to see if I receive it in XXXX Thank you, XXXX XXXX..
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 and 46 financial loss, and I seek appropriate redress ( 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 and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Received notice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that this an attemp to collect a debt from XXXX XXXX XXXX the amount of XXXX.. Got no debt from this company, did not received any notice or statements or any attempts to contact me to notify me of such debt ... please advise as to what i can and should do ... i am given 30 days to dispute ... I searhed about XXXX and they are banned from collecting debts by FTC case filed on XX/XX/14.. thank you ...
Product: Credit reporting or other personal consumer reports

What happened : Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal car loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ). Credit accounts such as XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
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 : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : 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, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX and XXXX XXXX XXXXXXXX XXXX. Please correct and update.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX Experian XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Family support Bureau Code : Individual Account Status : Open Monthly Payment : {$500.00} Date Opened : XX/XX/XXXX Balance : {$10000.00} No. of Months ( terms ) : 1 High Credit : {$0.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX My date of last activity and my date of last payment haven't matched up in 3 months. 

My XXXX payment history went from a collection to XXXX  months of late payments up to XXXX  days. 

This account has been reaged.
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has repeatedly documented Equifaxs failures in properly investigating consumer disputes, even leading to legal action for violating the Fair Credit Reporting Act ( FCRA ). This ongoing non-compliance is unacceptable, and I refuse to let my credit profile suffer due to Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) is clearEquifax is legally required to conduct a proper reinvestigation of any disputed information within 30 days. Any data that can not be verified with 100 % accuracy must be removed from my report immediately. I demand that these errors be addressed without delay, as their presence is actively harming my financial standing. I will not ignore any further non-compliance. 

Former : XXXX XXXX Former : XXXX XXXX XXXX Former : XXXXXXXX XXXX XXXX Employers : XXXX XXXX
Product: Debt collection

I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX Main # XXXX has violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 section 602 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) section states no consumer reporting agency may make consumer report containing any of the following items of information or any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 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 accurate.

I am requesting in detail for each account, who you spoke to and who responded to your dispute to confirm this inaccurate information. Per the FCRA you have 15 days to provide me your method of verification otherwise please delete the accounts listed above.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I made contact with XXXX XXXX XXXX XXXX XXXX and spoke with Rep over a pre-recorded phone conversation and I respectfully why my Tradeline of Castle credit account # XXXX is not been reported with XXXX and XXXX  as of XX/XX/XXXX till Present. 
Rep stated that Manager has to look into it and I need to provide a credit report. 
All Castle Credit has to do is communicate with XXXX and XXXX  and add my Tradeline with them. 
Castle Credit Trade Line is only showing on XXXX Credit Report.. 

I have been making timely payments of {$40.00} a month from XX/XX/XXXX till Present. 

There is a Derogatory Remarks of 30-40-60-90 days that needs to be remove as this credit trade line was reaffirmed in Federal Court on XX/XX/XXXX Bankruptcy chapter XXXX and Bankruptcy was discharged on XX/XX/XXXX with XXXX, Texas Federal Judge. 
I am respectfully XXXX  and XXXX Lifetime and a XXXX XXXX XXXX Military Veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable public record that is kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this public record. 

Bankruptcy XXXX XXXX Date Filed XX/XX/2020 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a federal XXXX student loan go into default as I missed seven payments, when I was away for a XXXX XXXX that I thought I had organized all of my payments before I left in XXXX. The late payments are reported on the balance history as is the status of it going to collections. When talking to the lender ; even though it did go into default, it never went to collections. The collections coordinator ( XXXX XXXX ) of the university ( XXXX University ) had explained that even though it was reported as an accelerated account to her by the student billing service ( XXXX  XXXX  ), she did not place it into collections as she explained to me in an email that, " I do not immediately place accelerated accounts in collections ; I hold off for approximately 30 days in hopes that we can still settle the account. As was the case in your situation. '' It was reported under collections in XX/XX/XXXXXXXX and back in XXXX/XXXX of XXXX as well. When it was reported under collections this past late summer, that is when my credit score took a hit. After making disputes against this with Experian and the loan billing servicer, the collection reporting under the balance history was only pushed right to XXXX/XXXX XXXX, still being reported in XX/XX/XXXX as well. It now shows " No-data '' from XX/XX/XXXX to XX/XX/XXXX. When I immediately found out about this loan, I had paid it all off in XX/XX/XXXX. I have paperwork from the university and billing service company that states I am good status and was paid off in XX/XX/XXXX. I disputed multiple times with Experian both online and over the phone while also supplying the correct paperwork these past two months, and it shows it being " updated '' but no information has been changed in terms of the removing of it being reported as " collection ''. If there is more information that is needed or supporting documents, I would be more than happy to supply them, but I just do not understand why Experian can not change the incorrect information that I explained to them with proof.
Product: Credit card or prepaid card

Yesterday I received notice the secured card XXXX XXXX XXXX has with US BANK was garnished. This notice has been refused for cause. If there is a levy, it was incorrectly assessed. It pertains to XXXX and NOT the SSN the account was opened under XXXX. I expect US Bank to correct their error. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

id theft XXXX XXXX XXXX {$260.00} not my account