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

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I
demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : Contact info Address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, PA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, NC XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number None provided Contact info Address XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Contact info Address XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

This Company, which I have no contract with nor have I received service from, reported a collection account against my SSN in the amount of  XXXX  with  XXXX ,  XXXX , and  XXXX  credit reporting agencies. I requested verification and they false recorded me in terms of agreeing with this debt and or me making payments for their satisfactory to keep attaching this debt to me. I requested to obtain written agreement verifying I personally agreed upon this debt and account however Aargon Collection Agency failed to provide adequate to No information at all regarding proof of being my consensual account. Considering they do not have a contract with me for the goods or services they have provided or have they provide adequate proof. I AM NOT OBLIGATED TO PAY FOR THIS ALLEGED DEBT.
Product: Credit reporting or other personal consumer reports

Conducting inadequate investigations of consumer disputes. 
Failing to properly review consumer-provided documentation. 
Allowing inaccurate information to remain or be reinserted into credit reports. 
Providing confusing and misleading responses to consumers.. 
Dispute things on my credit and came back in XXXX day sent over XXXX letters to bureaus
Product: Debt collection

XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX on behalf of Gordon, Aylworth, & Tami PC. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX  XXXX card in XXXX. I'm told that I was sued by XXXX  XXXX and I live in XXXX  now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.
Product: Mortgage

My wife and I are trying to recast our loan to reduce monthly payments. The recast amount is {$150000.00}. The lender, United Wholesale Mortgage, will not provide details on recasting our loan and we were told at closing that this process would take 10 days. We closed on the home on XX/XX/XXXX. We would like to wire the {$150000.00} to the lender to recast the loan amount and drop our monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been over 30 days since my initial dispute that was sent to XXXX, XXXX, and Experian in regards to several accounts reporting on my credit file that were from the direct result of identity theft. I completed and submitted and Identity theft report as per instructed by local law enforcement which included accounts XXXX # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX, and XXXX XXXX  # XXX. Under the Fair Credit Reporting Act section 605b states not only these accounts should be blocked but also removed if accurate verification is not provided per sections 609 & 611. I have yet to receive any correspondence whatsoever from neither XXXX, XXXX, or Experian so therefore considering the multiple violations being committed only can equate to the fraudulent accounts being removed from my credit file immediately to avoid litigation. These actions are totally unacceptable and violate my consumer rights as well as the FCRA. In addition fraudulent addresses XXXX XXXX XXXX and XXXX XXXX XXXX and inquiries remain on my credit file after I've specifically requested them to be removed. A copy of my drivers license, social security card, and a utility bill was included with dispute to prevent any vague or bogus reponse from the credit bureaus and yet I HAVEN'T received anything at all. My next step is to contact the attorney general a seek litigation if this matter is not resolved.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in months that are reported late to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!
15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

So I sent a letter XX/XX/ here is my tracking numbers # XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX XXXX XXXX XXXX to remove personal information that, I do not want on my credit report. According to the Fair Credit Reporting Act. 15 USC 1681. I have a right to Privacy. Also according to 15 USC 6802 no financial institution is not suppose to share my information to third party people. These are clear violations of my my Federally protected consumer rights.
Product: Credit reporting or other personal consumer reports

They said they resolved the issue. But issue is still there? I still see fraudulent inquiries still on my credit report. It looks like you want me to name it out, so let me type it here 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

On Monday, XX/XX/2022, I received an alert from XXXX XXXX that there were a few hard inquiries that had been added to my credit report. These are the inquiries that were added : XXXX Credit : XX/XX/2022 - XXXX  - New Credit Inquiry XX/XX/2022 - AMEX - XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 - XXXX - Card Service - New Credit Inquiry XX/XX/2022 - XXXX - New Credit Inquiry I have called all of the credit card companies listed and reported the fraud but was informed that no new accounts had been opened. I am assuming someone tried to open several cards in my name, but they were thankfully unsuccessful. 

However, the hard inquiries are still on my credit report, and XXXX and XXXX can not remove them until I have filed a dispute. I would like to have them removed immediately. Thank you.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they
are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, I am seeking your assistance in clearing up my reputation with potential creditors and the bureaus. 
The account reporting on my credit report via Experian : XXXX Account # XXXX is negatively affecting my commercial and personal reputation and hindering my ability to participate in commerce and pursue happiness. 

This account being reports is in violation of the following codes : 15 U.S Code 1681a - Accuracy and Fairness of Credit Reporting This code states I have a right to privacy.

15 U.S Code 1681b - Permissible Purposes of Consumer Reports This code states a credit reporting agency can not furnish an account without my written statement.

15 U.S Code 1692d - Harassment or Abuse This code lists The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person as a violation. In which case my reputation is being threatened by the discrepancies being filed on my credit report. I am being discriminated against as a result.

15 U.S Code 1692e - False or Misleading Representations This code states a creditor may not use the false, deceptive, or misleading representation or means in connection with the collection of any debt. In which case, false and misleading information is being used to coerce me into fulfilling the debt collection. 


I am working to apply for loans to make some financial changes in my life for the betterment of my myself, my wife and children, however these abusive practices are hindering my ability to do so. 

I have reached out to Experian numerous times pleading them to remove this discrepancy from my credit report but they refuse to.
Product: Credit card or prepaid card

I had 17 credits on account for refunds owed to be by a merchant. these credits posted to my account between XX/XX/XXXX through XX/XX/XXXX. After the credits were adjusted, I have a credit balance of about {$29000.00}. when i requested my credit balance to be mailed back to me, i was advised all the credits were transferred over to my new account ending in XXXX. However, Citi is now telling me they can not access my account ending in XXXX and that they have no idea where my credit balance is.
Product: Credit reporting or other personal consumer reports

I have written to XXXX XXXX numerous times to notify them that I am not aware of this debt and asked them to remove it. Their response was to turn it over to a collection agency. I do not owe this debt. Please provide a contract with a wet signature. 

XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Reported balance Credit limit {$800.00} You're using XXXX XXXX of your account 's limit OVERVIEW Credit limit {$800.00} Minimum monthly payment {$0.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) PAYMENT HISTORY Last payment -- Payment status -- Amount past due {$1100.00} Worst payment status No Info ACCOUNT DETAILS Account status Closed Type Charge account Responsibility Individual Remarks Charged off as bad debt Profit and loss write-off Times XX/XX/XXXX days late XXXX Closed XX/XX/XXXX CONTACT INFO XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting

In my most recent Equifax Credit Report I viewed several accounts ( loans ) that I paid in full still reflecting as open. I requested Equifax to send me my most updated Credit Report and as of today they have not complied with my request. If these accounts are not reflecting correctly on my Credit Report it is damaging my Credit Worthiness and Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries that were not obtained with my knowledge or permission. I tried to get the credit bureau to look into it after I received a letter from the company I called the company who stated it was a soft pull and should not have shown on my report and referred me to the credit bureau. Dates were XX/XX/2022 and XX/XX/2022 by XXXXXXXX XXXX Also 2 more inquiries came from XXXX XXXX. 
There are 8 plus collections on my report as well They state they are open but are in collections with a collection agency. I have exhausted all avenues with the credit bureaus but they ignore me and report they are correct after 3 days. I have several names and addresses, credit accounts etc that are not mine. I am a victim of identity theft and the credit bureaus are not helping.XXXX is refusing to give me a report of any kind. The others are not truly investigating.
Product: Debt collection

Letter to my primary address asking for debt collection I do not owe.
Product: Credit reporting

I disputed information reporting incorrectly on my credit report with Transunion File # XXXX. Transunion reported back to me that there was no change and the information would remain. However, the information is not correct and Transunion has refused to disclose there source of information or to delete the incorrect information. The information disputed was a wage earner chapter XXXX supposedly filed XX/XX/XXXX & and an chapter XXXX from XX/XX/XXXX. Pursuant to 15 USC 1681i of the Fair Credit Reporting Act ( FCRA ) ; I demand that the items mentioned in this dispute letter be verified & deleted from my Credit Report.
Product: Student loan

EdFinancial reversed my student loan payment on [ date ] claiming I requested cancellation from my bank. My bank confirms no such request was made. This appears to be a recurring issue and I am concerned about the impact on my loan status. 

I am filing a complaint with the CFPB because EdFinancial reversed a legitimate payment and provided false information regarding the source of the cancellation. 

I have requested EdFinancial to reinstate the payment and investigate the miscommunication.
Product: Credit reporting or other personal consumer reports

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this. All is being investigated by the FTC. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Wa XXXX National Credit Systems National Credit Systems , Inc . 
XXXX XXXX XXXX XXXX, GA XXXX This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) that your claim is disputed and validation is requested.

I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your Authority in this matter. Absent such proof, you must correct any Erroneous reports of this past debt as mine.

I ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

6. Please provide a complete account history, including any charges added for collection activity.

You have thirty ( 30 ) days from receipt of this notice to respond.

Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it.

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 

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

I have several inquiries that were initiated due to fraud. My information was exposed by XXXX   breach and this is the second time people apply for credit under my name. The following are not mine : XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX XXXX XXXX Credit Cards XX/XX/2020 Experian XXXX XXXX   XXXX Bank  XX/XX/2020 XXXX XXXX XXXX Bank XX/XX/2020 XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer 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: Mortgage

I have an FHA XXXX mortgage with BOA ( and as part of this loan, the escrow is something which my mortgage payment reflects ). When I first acquired the loan in XXXX XXXX, my insurance premium was $ XXXX/yr, sometime in XXXX XXXX, however my insurance premium dropped significantly to $ XXXX/yr which reflected some upgrades done to the house. When I called to see if my mortgage could be reduced, I was told that I would have to wait at least 6 months before an escrow analysis could be done, and in which that point, my mortgage will be reduced to reflect the decrease in insurance premium, and any overage paid during that time would be refunded to me. I must have called about 5 different times during XX/XX/XXXX to XX/XX/XXXX, and spoke to different people that each gave me the same information. When finally my 6 months were up, I called BOA to request for an analysis to be done, which reduced my mortgage payments from {$1500.00} to {$1400.00} per month, during this time, I was also told that the overage paid into my escrow which was about {$900.00} would be refunded to me within 10 days. I followed up recently via e-mail to ensure that the check was already sent out, and was told that because my mortgage was less than 1 year old, I am not entitled to a refund. This is ridiculous, given that I was assured by a number of reps that after my 6 months I would receive my refund. This is money that I overpaid! It makes absolutely no sense that BOA is holding onto this money, and I 'm not earning any money in interest! This is deception at its finest! I 'm not asking for a handout, I demanding money which belongs to me which I overpaid! This morning when I called to speak to a manager I was told that because of the type of loan that it is, this is the requirement set forth by FHA ... which is a lie, because I contacted both the FHA hotline ( XXXX ) and FHA National ServiceXXXX ) and they advised me that the refund is solely up to the lenders discretion, and it is nothing which they stipulate. I do n't understand how I could have been given wrong information by XXXX different people at BOA. BOA is holding on to my money ; in a way is theft! I am demanding for the overage paid into my Escrow to be refunded to me ASAP!