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

I am writing to formally refile a complaint regarding serious inaccuracies present in my REPUBLIC FINANCE credit report, which I attempted to rectify through your dispute resolution process. Unfortunately, the outcome has left me dissatisfied as the reported account not adequately verified, and the inaccurate information persists. 
Background : I discovered discrepancies in my REPUBLIC FINANCE credit report, specifically related to payment status, payment history, date opened, and dates of late payments. In an effort to rectify these inaccuracies, I promptly submitted a dispute letter via mail, outlining the discrepancies and requesting a thorough investigation. Unsatisfactory Results : Regrettably, the results of the investigation were far from satisfactory. Despite my efforts, the account in question not verified, and the inaccurate information continues to be reported. This has a significant impact on my creditworthiness and financial standing. Violation of FCRA : It has come to my attention that my rights under the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 U.S.C. Section 602, have been violated. Section 602 emphasizes the importance of accuracy and fairness in credit reporting, mandating consumer reporting agencies to follow reasonable procedures to ensure maximum accuracy.

Right to Privacy : Additionally, I would like to highlight my right to privacy, which is explicitly protected under 15 U.S.C Section 602. The inaccurate information being reported compromises not only my financial standing but also infringes upon my right to privacy, as it misrepresents my credit history. Failure to Obtain Written Instructions ( 15 U.S.C Section 604 A Section 2 ) : Furthermore, 15 U.S.C Section 604 A Section 2 stipulates that a consumer reporting agency can not furnish an account without the consumer 's written instructions. I have not provided such instructions, yet the inaccurate information persists on my credit report. Attached FTC Report : In support of my complaint, I have attached the FTC report with the report number XXXX. This report details the inaccuracies and the steps I have taken to address them, providing a comprehensive overview of the situation. Request for Remedial Action : I hereby request a thorough and immediate reevaluation of my dispute, ensuring that all relevant account verified and the inaccurate information is rectified in accordance with the FCRA. Additionally, I urge REPUBLIC FINANCE to take corrective measures to prevent such violations in the future. Next Steps : If this matter is not resolved promptly and satisfactorily, I may be compelled to pursue legal action to safeguard my rights under the FCRA. I appreciate your prompt attention to this matter and expect a timely resolution. Please provide written confirmation of the actions taken to address this complaint within 30 days of receiving this letter.
Product: Mortgage

On XX/XX/XXXX I suffered a complete loss of my property at XXXX XXXX XXXX XXXX XXXX, Ca. In XX/XX/XXXX my insurance company, XXXX XXXX, paid {$280000.00}, endorsed to me and my mortgage company, Roundpoint Mortgage. Of this amount, {$150000.00} XXXX is being held by Roundpoint Mortgage in a restricted escrow account. An additional check was received from XXXX and sent for endorsement to Roundpoint. I called today to discuss timelines for reimbursement, as Roundpoint is already holding an amount exceeding my loan obligation. During the call I learned that the restricted escrow account, which has contained {$150000.00} since XX/XX/XXXX is not an interest bearing account. During the time Roundpoint has held these funds, exceeding my mortgage balance, I have continued to be charged interest on my mortgage. Roundpoint states they are not required to pay interest to me, however, for the funds being held while I am rebuilding my home. It is my understanding that in California, where the property is located and where the mortgage was executed, it is required that money held mortgage escrow accounts must be accruing interest. Today I engaged in more than a half hour of debate with Roundpoint before they finally agreed to release the proceeds being held in excess of my mortgage, in the amount of {$64000.00}. Roundpoint, if doing business in California, should be held accountable for complying with California laws. I should receive interest, compounding from the day the funds were deposited in to this restricted escrow account. I may be reached at XXXX or XXXX. 

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

EXPERIAN ; to whom recently tried to throw out my reinvestigation to an existing issue, Your full of XXXX and you'll be held accountable! I'm not going away with no lame excuse like that. Yall have a job to do! Investigate this matter thoroughly, figure out why their are fraudulent items still reporting on my credit report, i've listed them all on my ftc i.d theft affadavit and the extra sheet identifying each fraud item, YOU HAVE TO BLOCK THESE NOW. THEY ARE NOT VERIFIABLE OR VALID OR ANYTHING OF THAT NATURE, ITS IMPOSSIBLE AS THESE WEREN'T CONSENSUAL. 

Now if you think your going to get away with saying your not going to investigate this matter because you guys find it hard to believe people don't read the FREE PUBLIC FTC website for their fair credit rights, then be XXXX if you'd like, ill humble all who has let this matter just get passed along with a heavy lawsuit ... I'll stick it so far up you staffmembers and the organizations XXXX, you'll have toes for teeth! 

DO YOUR JOB, YOUR NOT DEALING WITH A DUMBY HERE. NOW GO AHEAD AND TRY ESCAPING ANOTHER INVESTIGATION WITH YOUR LAME EXCUSES AND SEE WHO'S HANDS I PUT THESE PAPER TRAILS IN. LITIGATION!
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts are not complete and accurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And one more thing according to 15 USC 1681s-2 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: Debt collection

XXXX XXXX XXXX XXXX XXXX. I have requested information on this debt with no explanation. The collection was opened in XXXX of XXXX, I have no knowledge of this debt. I have disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. With no explanation for denial or information regarding said debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove some items that are unknown to me. I require you all to remove/block any items or information not later than 4 business days after my complaint. Ive already included this in my previous Complaint & I am including it again., Here are the aforementioned items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX XXXXXXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$150.00} XXXX XXXX Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
( XXXX XXXX : XXXX XXXX ) XXXX XXXX {$280.00}
Product: Money transfer, virtual currency, or money service

Citibank froze all my accounts and cant give me reason
Product: Checking or savings account

First I want to say that I did submit a complaint here back on XXXX XXXX XXXXXXXX XXXX  against cash app. They sent there response stating that they never had any transactions from me starting XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is accurate but I never said anything close to those dates. Because the dates I am referring to is XXXX XXXX XXXX XXXX XXXX XXXX But they are intentionally manipulating and using information that really has nothing to do with the facts. XXXXe my bank I used at the time did an investigation or dispute lets say. There findings was that. XXXX owed me XXXX dollars and concluded that cash app owed me XXXX. They told XXXX that they paid me the XXXX. Back on XXXX XXXX XXXX. Absolutely a lie. Yes I am saying its a lie. But they know that. This is why there creating this obstruction or false dates to make it look as if they have complied to all the rules. They closed my account due to my behavior they said. But if you was never being herd or pushed under the table you would not be very kind either. Cash App is allowing fraudulent merchants take over there business. I have been ripped off by there merchants over and over. All you have to do is go on XXXX XXXX XXXX etc. Everyone knows Cash App does not care long as they get there share of the fees. Yes in time they will be exposed no doubt about it. I will do XXXX information and the truth will be in front of your eyes. 

This is what XXXX investigation results was. 

Hello, Here is my dispute case number XXXX. 

The reason why Im requesting a appeal is the Merchant never paid me anything on XXXX XXXX XXXX Not sure where you came up with the XXXX dollar refund. Theres is no evidence at all on my account history. This is very simple and I do appreciate you getting my dispute done. But they owe me the rest of my money. The dispute came back as approved XXXX I did get credited back to my account. But like I said before the rest of the XXXX dollars which totals out to 125 transactions that where all approved. But you said the merchant paid me back but thats totally not the case. The credit I did get was never a part of the dispute. I never tried to get that portion because it was settled. But all 125 transactions was what I was owed. So please make that adjustment and credit my account ASAP. I do appreciate your hard work but merchant never credit me anything. All 125 transactions was not credit back to me please make that adjustment. Your dispute customer service would not allow me to do an appeal so I had to figure away to do this on my own. 
I contacted CashApp over 20 times. There support portal in the App phone calls they hung up On me at least 4 times. CashApp pull my account history and show me where you gave my XXXX dollars. Stop lying and pay me my money please. Next move is a lawyer. You can not show any proof of payment because I never received a penny from your company does anyone? I know that answer. Just please send me my money will all due respect. 

XXXX XXXX XXXX XXXX XXXX number XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX XX/XX/XXXX, {$4500.00} I am writing to formally request the removal of inaccurate information reported by your company to the consumer reporting agencies. On XX/XX/XXXX, I requested verification of a debt and its accuracy. By the date of XX/XX/XXXX, your company verified it. I believe this information is incorrect and has negatively impacted my credit report, affecting my character, reputation, and livelihood.

According to 15 U.S. Code 1681s-2, as a furnisher of information, you are legally obligated to ensure the accuracy of information pro
vided to consumer reporting agencies. The reported charge-off, according to IRS guidelines , is considered income, not a debt, and should not appear on a consumer report. 

The IRS defines a charge-off as income, which is not to be reported on credit reports. Therefore, the current reporting is inaccurate. Furthermore, the IRS requires a 1099-C form for cancelled debts over {$600.00}, which I have not received.

By law, you can not furnish information you know or have reasonable cause to believe is inaccurate. I demand that you cease reporting this inaccurate information immediately and remove it from my credit report.

Please consider this letter as formal notice of the inaccuracies, and I request that you address and rectify this matter promptly. You have 10 calendar days to remove this entry from my credit report. 

Thank you for your immediate attention to this issue. 

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

I requested that XXXX to do a verification of these two XXXX XXXX Accts XXXX and XXXX that are listed under my name which I dont recognize. 
After about a week I received an email response and they told that they did an investigation and everything was accurate. I did a thorough research myself and found improper inaccuracy on the credit report even though they say they did Moreover, In accordance with FCRA both XXXX XXXX Accts XXXX and XXXX have violated my rights. Furthermore, under section 15 U.S.C 1681 Sec 602A, states I have right to privacy and Under section 15 U.S.C 1681 Sec 604A, states a consumer reporting agency can not furnish an account without my consent. 
XXXX XXXX Accts XXXX XXXX XXXX XXXX XXXX late payments XXXX XXXX AcctsXXXX XXXX XXXX XXXX late payment
Product: Debt collection

My late husband XXXX XXXX XXXX was a 100 % XXXX veteran. 
XXXX XXXX XXXX XXXX sent me to collections for a bill that should have been paid by the Veterans administration. As a widow I am unable to afford this Collection debt. 

I did dispute the charge but they insisted that I was responsible for his hospital bill. 
I also called Kings Credit Collection agency to talk with them but they insisted I was responsible for the bill also. They suggested I contact the XXXX XXXX XXXX to try to resolve this issue. I was not informed that I would be sent to Collections by the XXXX XXXX XXXX. 

I have also tried to resolve this with the VA but was unable to get this problem resolved. 

I feel that the VA should have paid this bill. My late husband passed away suddenly on XX/XX/2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or XXXX XXXX XXXXXXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$500.00} XXXX XXXXXXXX Balance : {$0.00} ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report : XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I Have tried to speak with Experian and XXXX on matters I would like to be removed from my credit report either not equal information with each other or information that is not correct to remove, these inquiries are deeply effecting my lively hood, and I am in a crisis at the moment and I can't not get ANY help because of the credit, well I have tried to email and call and I can't get any help, here is the info, and just loo at the last active date, or anything it is so messed up, I can have this resolved without court, with these removed from my credit report XXXX XXXX XXXX XXXX  ( they are trying to still make me pay ) XXXX XXXX ( accoount # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX both accounts ) XXXX XXXX XXXX  ( both accounts ) AXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( again ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IM LOSING MY PLACE TO LIVE, AND MY CHILD AND i will be homeless, lordy please help, I have spent weeks and months trying to correct this
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 71XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is repeatedly falsely verifying inaccurate late payment information regarding XXXX XXXX XXXX XXXX on my credit file.

I have been complaining to Equifax and the CFPB about this matter for almost a year, but nothing has been done.

Upon information and belief, no one from Equifax has taken accountability for my credit disputes, therefore no one from Equifax can testify in court against me.

Is it going to take millions of Americans to start submitting certified/notarized/sworn Affidavits of dispute, that would be filed with massive Federal Class Action complaints, to get Equifax to adhere to the law? Clearly, Equifax does not complete reasonable dispute investigations for consumers. From my personal experience, Equifax conducts investigations based on hearsay, which should cost them billions in Fair Credit Reporting Act violation fines and punitive damages.

I have been advised to provide Equifax and the CFPB with this Affidavit included in this complaint and wait for a response from Equifax. This CFPB complaint, all responses, both prior and present, documents, this Affidavit and possibly the Affidavits of others will be submitted to a consumer attorney in the event I become the lead Plaintiff in a Class Action suit against Equifax to claim damages for myself as well as millions of Americans who have been affected by Equifaxs FCRA violations.

I was informed by XXXX XXXX XXXX XXXX that no one from Equifax has contacted them regarding these inaccurate past late pay disputes.

PLEASE SEE THE ATTACHED AFFIDAVIT OF DISPUTE REGARDING MY CREDIT FILE.
Product: Credit card or prepaid card

Complaint to the Consumer Financial Protection Bureau ( CFPB ) Date : XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, Washington XXXX DC XXXX Dear members of the CFPB, My name is XXXX XXXX XXXX XXXX and I am writing to you to formally lodge a complaint against Bank of America ( BOA ). The reason for this complaint lies in a series of XXXX unauthorized and fraudulent charges on my credit card that BOA has refused to remove despite having followed the protocol for reporting unauthorized charges. These transactions all occurred on the same date, XX/XX/2023, and their amounts fluctuate between {$99.00} and {$99.00}, which I find highly suspicious. 

Please see attachment of the BOA Statement ( transaction date XX/XX/2023 ) The total of these fraudulent charges amounts to {$2400.00}. 

I contacted BOA and followed their protocol to report these unauthorized charges. However, during a follow-up call with BOA customer service today, I was informed that a letter was sent on XX/XX/XXXX denying the removal of these charges. I never received this letter. This decision is unacceptable and contradicts my consumer rights in cases of banking fraud. 
I hope that the CFPB can intervene in this matter to ensure that BOA assumes its responsibility and reimburses the fraudulent charges. I appreciate your attention to this complaint in advance and look forward to a favorable resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX box XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

3 fraud charges were made on my account XXXX XXXX, on the third transaction ( all fraud activity happened with XXXX XXXX ) I received a app notice from chase and requested if that charge was me or not. I said no and called chase and reported the other two fraud charges I saw prior on XX/XX/XXXX & XXXX on XX/XX/XXXX. 

All fraud charges were taken off onmy credit card XX/XX/XXXX, I froze the credit card and replaced it but have kept the account frozen even with the new card. In XXXX Chase reapplied the fraud charges. I've disputed that I didn't make those charges nor received the product ( Chase informed me it was XXXX XXXX ), I advised them I drive a 1996 XXXX and that I never owned a jeep or knew someone that did and to check my DMV records for proof. 

I advised chase to investigate and look for the ip address where the order was made as that will show it wasn't on my personnel device or PC and with Covid I haven't left my house and should identify the culprit. 

They are advising me that I'm liable for these charges but that shouldn't the case I reported timely and within a several days of the transaction. What are my options? The balance they are saying I owe is {$820.00} and at this time I don't have nor should I be responsible I identified timely the fraud to chase based on their monitoring tools.