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

The reason for my writing this complaint is to first and foremost inform that I am a victim of identity theft, my information and data was compromised without my authorization or consent. With this identity theft came fraudulent charges to my credit file. As a result, I disputed this identity fraud with this company on XXXX by providing my written explanation and attaching relevant documentation e.g. Identity Theft Report, Proof of identity and Section 605B of the Fair Credit Reporting Act to proof my case. 
But until now, as I am writing to you, this company is still reporting these fraudulent accounts contrary to law, which gives them at least 4 days to remove it upon receipt of fraud dispute letter. Let this be a final written notice of my intent to sue this company for failing to remove fraudulent items even after receiving a well-documented dispute coupled with exhibits for reference. For yet another time I am reaching out to this company to find a concrete resolution to this matter once and for all. Failure to this I will go ahead and file my already filled small claims forms with the courts. Please REMOVE this fraudulent information from my credit report, as per 605B of the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX # XXXX, Date Opened XX/XX/XXXX, Balance {$1300.00}, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1400.00}, Date Opened XX/XX/XXXX I am attaching the dispute letter/documents I sent to this company on the XXXX and my FTC report, in case they need to reference or review.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an adequate 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 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 ( ETFA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Mortgage

Freedom Mortgage has ended my Forbearance and is moving forward with collections even though I have been approved and they have received payment from the HAF program. Freedom says they have to legally post notices on my door because I have an FHA loan. They have told me this twice but the HUD counselor says that is not true.They have posted this notice on my neighbors door 2 doors down by taping it to their front door with my name hand written and stamped confidential. I have told them the ACH wire number, date, and amount of the payment but they still deny receiving any payment. 

They have also sent me paperwork for loss mitigation ( that didn't need to be done XXXX of the HAF payment ) that has to be signed by the XXXX ( it is now the XXXX ) or I lose my ability to do any kind of partial equity claim. So I am stuck between them denying they have received payment, threatening me with collection notices, and giving me an ultimatum to sign these documents. 

Also by not bringing my account current I can not receive the help I have been promised for the next 2 months because my account is frozen in loss mitigation online and I can not print a mortgage statement showing that I am current and what the next payment amount is for the next month due. 

They have given me different information every time I call and I can not get any help.
Product: Debt collection

I received a certified letter dated XX/XX/2018 on or about the date of XX/XX/2018 from the Office of the XXXX County, NY Sheriff Civil Enforcement Section that an Income Execution directs me to pay 10 % of my gross income until the amount of {$1900.00} is paid off. The Letter states the first payment is due NO LATER then 20 days from the date of the letter-XX/XX/2018 and if I do not pay they will contact my Employer and garnish my wages. The Letter has the Creditor as XXXX XXXX XXXX XXXX XXXX whoich never sent me a judgement letter or other letters about a lawsuit and also has listed an Attorney Stephen Einstein from Stephen Einstein & Associates, PC in New York, NY which I have Never spoken to or received any legal documents from them. The filed this judgement without my knowledge and without serving me court papers or shown any proof of this debt- what it is, who it is from as I have never made a purchase from either of the entities who have filed a judgement against me or provided proof of debt or ownership of debt. 

I was not sent a letter of Judgment, or Served any documents or court papers regarding this amount.I do not know who the company which filed a judgement against me is and have not been provided any documents prior to the Income Execution and letter from the Sheriff 's Department demanding payment. The date the first payment they want from me is before I received the letter as well.

Included with the Sheriff letter was the income Execution from the Supreme Court Of The State Of New York County Of XXXX with my name as the judgement Debtor. This is the first time I received any communication about a judgment and I do not know who the company is that states I owe them money. I have never done business or spoken with to my knowledge of the people who want to Garnish my wages and make me pay them 10 % of my weekly gross income for a debt from a company I have no knowledge about or have taken steps to prove I owe this debt. And have my day in court to fight it. I have no clue who these people are.
Product: Credit reporting or other personal consumer reports

Ive informed credit reporting agencies that I have a new address with a copy of my drivers license. Ive demanded deletions of all old addresses because I have no correspondence nor access to theses addresses and it is unfair to me the consumer for these agencies to violate my right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? I'VE ASKED YOU " WHO VERIFIED THIS ACCOUNT? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$4700.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an inaccurate entry on my credit report, specifically concerning a debt allegedly owed to CCs Collections. The reported balance of {$84.00} in XX/XX/2023 is incorrect, as this debt was resolved with the original creditor, Progressive. 

I had a credit collections account with Progressive for the amount of {$84.00}. Upon renewing my insurance with Progressive, this outstanding balance was paid in full as part of my next insurance plan. The payment to Progressive, clearing the balance, was completed in XX/XX/2023, well before the reported date of the outstanding balance with CCs Collections. 

I have not engaged in any correspondence or made any payments to CCs Collections. When I discovered the erroneous entry on my credit report, I immediately contacted Progressive, and they confirmed that there was no remaining balance on my account and no record of third-party collections.

Despite my efforts to rectify the situation with Progressive, the incorrect information still appears on my credit report. I have followed the recommended steps and disputed the collection entry directly with CCs Collections, given that Progressive has no record of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account # XXXX, has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account undei en open end consumer credit plan as late for purposes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly a collection/charge-off in the amount of {$2700.00} on the XXXX XXXX/XXXX  XXXX EN account number XXXX. ( Please see page attached from my credit report. ) I was moving and was searching for a new place to live and found XXXX XXXX XXXX apartments on-line. They were advertised as newly renovated and move-in ready. ( This was completely misleading and fraudulent. ) The pictures on-line portrayed a clean and safe complex. I contacted the leasing agent and paid the deposit and fees and rented the apartment. When I arrived at the apartment complex on XX/XX/XXXX they showed me the apartment they said I had agreed to rent. The apartment was inhabitable!! The carpets were filthy ; the bathroom smelled of raw sewage ; the kitchen had never been cleaned, the entry and other common areas were not kept up, there was trash and dog XXXX and XXXX on the stairs leading up to the apartment. I went directly to the front office to complain however they were not responsive and didnt appear to care. I had no choice but to move in. I had no other place to go. Shortly thereafter on XX/XX/XXXX I contacted the apartment manager to discuss the filthy living conditions of not only the physical apartment but the hallways and other common areas of the apartment complex. ( Please see reviews that have been submitted on line discussing the same issues. ) ( I have attached a copy of my initial correspondence dated XX/XX/XXXX. ) After living there for a short period of time, the conditions grew worse and there was no way I could allow myself and my XXXX XXXX XXXX child to continue to live in the condition of the apartment or the unsanitary and unsafe living conditions of the common areas of the apartment complex either, so I moved out. I spoke with a representative from the corporate office and was told that they would work something out with me and that they would not send this account to collections. ( Please see correspondence attached dated XX/XX/XXXX, XXXX and XXXX. ) I never heard back from them again until I received a bill for {$2700.00}. Only when I received a copy of my most recent credit report did I discover that this account had gone to collections. The corporate office never had any intention of working with me even though the attached correspondence from them states otherwise. This false reporting of a collection/charge-off is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX/XXXX, ATG CREDIT ( Original Creditor : XXXX XXXX XXXX XXXX  ), and XXXX ( Original Creditor : XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Debt collection

I previously filed a complaint with equifax thru this agency on these two accounts were said to have been deleted. I am attaching a copy of the response from equifax dated XX/XX/XXXX and the current copy of my XXXX XXXX  report. As you can see they are still showing on my file. Also I am disputing the {$61.00} new collections from XXXX XXXX XXXX on behalf of XXXX XXXX XXXX. I dont see doctors in XXXX. This is also the same city that someone had water turned on in my name. I had previously sent equifax the copy of the fraud report I filed in XXXX when I first discovered this. 
I want these accounts off my report
Product: Credit card or prepaid card

The bluebird closed my account, but my money still in it. will not allow my to access my fund and my account.
Product: Debt collection

Hey, looking at my credit report on XX/XX/2022 there Is an inaccurate derogatory remark in my collections. I don't know this company. This is fraud. I have no knowledge of any of this or signed any documents with this company.
Product: Student loan

I consolidated my student loans many, many years ago. When I consolidated the loans, I made one payment to the servicer, Mohela. I have documentation which shows that when consolidated, there is one loan. Mohela is showing on my credit reports between 9 and 13 delinquent accounts under account number XXXX with the 3 reporting agencies. 
In XX/XX/2017, I filed bankruptcy, as a result of my divorce. I had never been late on my loans when in fact, I was on an income contingent plan and there were no required payments. The balance due is correct in total. 
The portion that is not correct is that I no longer had, at that time, XXXX student loans. I only had one. The loans were all consolidated into one loan. I reviewed the consolidation process with Mohela and the Department of Education, each states that when loans are consolidated there is one loan. The loan statuses should show, paid for all of them with the exception for one loan totaling {$49000.00}, which is currently included in my bankruptcy. 
I have been placed on long holds and transferred from one department to another with no resolution. Finally, I disputed the loan statuses with the credit bureaus but there has been no change. 
I would appreciate any assistance. I do not want to dodge the loans but the information should be reported correctly. The way that this is reported, is as if, I am blatantly disregarding payment of the loans. I want my report to reflect the truth.
Product: Credit reporting or other personal consumer reports

Previous complaint with CFPB XXXX, I submitted a dispute for fraudulent accounts on my credit report through the CFPB contacting Transunion regarding fraudulent accounts, the disputed process transunion used did not removed the fraudulent accounts. I provided a FTC Identity theft report regarding the fraudulent accounts. The FTC is a law enforcement agency under section 4 of the FTC. On XXXX Transunion responded to the disputed fraudulent accounts as verified and Accurate. 
Transunion file # XXXX. 


XXXX XXXX XXXX XXXX XXXX XXXX Balance {$16000.00} XXXX XXXX acct # XXXX Balance {$320.00} XXXX XXXX acct # XXXX Balance {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Written disputes mailed certified XX/XX/XXXX. Requesting investigation and proof of debt plus method of investigation following FCRA guidelines. Asked for removal of inaccurate unknown accounts. Disputes closed with no further information nor proof of debt. Inaccurate accounts remain on credit profile. 

Filed online disputes via credit reporting site XX/XX/XXXX. Disputes closed inaccurately and disputed accounts remain.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX is suppose to be reporting monthly, the accurate balance, and payment status as current, but the latest credit report shows it was reported on XX/XX/2018 as showing the incorrect balance owed, and I have spoke with a bank represenative a month ago to try and resolve the issue to no avail. It is not helping my credit score to report inaccurate information. I have tried to resolve it but they are still reporting the wrong balance as {$370.00}, when I actually owe {$290.00}. MY credit report says the last time it was updated was XX/XX/2018. The account # for the secured loan, is, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has refused to properly investigate  XXXX  ( a collection company ) that has erroneously ( with malice ) reported the same debt, twice, as a new collection item. The double-reporting of this collection item is fraudulent. This company has also refused to submit documentation showing date of first delinquency.
Product: Credit card

I opened a Macy 's credit card account back in XXXX 2015. They sent my bill to the wrong address and we never received any information about missed payments till we inquired at Macy 's store. Once it was discovered that my address in their system was incorrect, they corrected the issue and sent me a bill. I immediately sent a check for full payment and the check was credited to citibank on XXXX XXXX. A credit card was never sent to my address. They never updated my payment to my account history and it has been 3 months and they have turned my account to the collection agency. I have had multiple conversations with the credit research department at Macy 's, I have sent them all the documentation over 4 times. I have had multiple phone conversations with customer service but the issue has not been resolved. I still keep getting calls from collection and they have reported my delequint account to the credit bureau. This has been a frustrating experience where the company has failed to provide its customers the service they said they would provide. Even after multiple conversations with multiple parties within Macy 's credit department the issue has not been resolved. I have sent my payment in full. The money has been cashed by them. But they never updated my account and now I am suffering everyday dealing with collection people and my good credit is being destroyed. I want to file a complaint against Macy 's credit card ... get my issue resolved. have them fix my credit report. and Not bother me once and for all. Macy 's Credit company is the worst company to deal with. All of them need to be fired for being incapable and stupid.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX, XXXX XXXX XXXX was paid in full and closed my XXXX loan account. Since XX/XX/2024, I have requested that Equifax update my credit report to reflect the account as closed and paid in full. Equifax has not updated the account status oh its website ( see attached statement from Equifax ) despite being provided with a copy of the attached letter from XXXX. ( see attached letter from XXXX ). 

I have attached a copy of my latest Equifax report dated XX/XX/2024. The report shows XXXXXXXX XXXX loans with a balance of {$130000.00} and is listed as opened and payment deferred. This is inaccurate because the account has a XXXX balance and is closed. Equifax has computed the opened balance into my overall credit score which has caused me to be declined for credit. 

Because the information is incorrect on my Equifax Credit Report, it is also incorrect on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Credit Bureau regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX XXXX, but it is incorrectly listed as [ Incorrect Name ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address XXXX XXXX XXXX XXXX XXXX XXXX, while my credit report shows an outdated address of [ Old Address ]. I request that my current address be updated accordingly. 



Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Debt collection

I keep receiving phone calls at work from an organization called Premier Portfolio Group. The person calling is XXXX XXXX. When I first spoke to him I informed him not to call me at work. XXXX calls back the same day and says '' I KNOW YOU TOLD ME NOT TO CALL YOU AT WORK BUT '' I then hung up on him. He continues to call daily and when both of my co-workers answered on separate occasions, he calls them a liar because they tell him they are not me and he tells them they are me and gets short with them. This company has gone too far. Numbers that they use : XXXX, XXXX, XXXX, & XXXX. I have asked them to mail me a letter that states the information and debt they are collecting on. They refuse to send anything. I want my credit card info, my payroll department number. I am severely being harassed. I am ready to notify the FBI to investigate this company. They are causing me stress and making me look bad at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 


In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U, S. XXXX 1681e ( b ) and 15 U.S. Code 1681 ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 


The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( XXXX ) Method of verification- Description of reinvestigation procedure I plan on seeking remedy for damages for each Federally protected consumer rights violations under USC 1692 and legal actions if this issue does not resolve.