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

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX NAME : XXXX XXXX XXXX EMPLOYER : XXXX XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX NAME XXXX EMPLOYER : ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX XX/XX/2020 XXXX  XX/XX/2020 XXXX XXXX XXXX XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 COLLECTIONS : XXXX XXXX XXXX XXXX XXXX EXPERIAN NAME : EMPLOYER XXXX XXXX XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX  XXXX, GA XXXX INQUIRIES : COLLECTIONS : XXXXXXXX XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

I am following a complaint against cash app block in go to inadequate Customer service and unfair practice Which one later the consumer financial Protection act ( CFPA ). Specifically cash app Fail to take timely and effective Measure to prevent address broad on their platform.Leave in my account valuable and unprotected. Furthermore their dispute resolved process was and deceptive, As they did not comply with error resolution Requirement under the election pro transfer act ( EFTA ) and Regulations E. There's actions financial loss, and I seek appropriate redress for there's violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I opened a new XXXX checking account and applied for a credit card at the XXXX branch located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. Following the representatives guidance, I checked my credit score using the XXXX mobile app under the " Credit Journey '' tab.

To my surprise, I discovered an incorrect credit score of over 700 and a linked XXXX XXXX XXXX credit card account that I do not own. According to the app, this revolving account was opened in XXXX. However, I just moved to the United States in XX/XX/XXXX and received my Social Security Number after my arrival. This account is not mine. 

I immediately contacted XXXX, which connected me to a restoration specialist at CSID, a part of Experian. The specialist confirmed the presence of the XXXX XXXX XXXX account on my credit report and its remaining balance. The specialist and I contacted XXXX XXXX XXXX, but their representative claimed that no account under my Social Security Number appeared in their system, despite the credit system reflecting the account on record according to Experian. 

The restoration specialist instructed me to : Contact the other two major credit bureaus. 
File a police report. 
Notify the local Social Security Administration office. 
File a complaint with the FTC I am filing this report to document this case of identity theft and to ensure that this fraudulent account is thoroughly investigated and resolved, with my credit report corrected to my actual account.
Product: Credit reporting or other personal consumer reports

I spoke with all XXXX credit bureaus and XXXX XXXX about a XXXX  XXXX bankruptcy thats showing on my credit that I never files also a bill from XXXX XXXX XXXX that I know nothing off. I would like for these XXXX items to be removed from all XXXX credit bureaus including XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed 5 items that were not removed per 15USAC1681i6Biii they did not validate so they failed to comply with provision 15 USC section1681i ( a ) and have them removed from my credit report here are the 6 items 1.Account Name XXXX XXXX Account # -XXXX {$10000.00} listed as charge off 2.Account Name XXXX XXXX Account # XXXX {$3100.00} listed as charge off 3.Account Name XXXX XXXX XXXX Account # XXXX {$580.00} listed as collection 4.Account Name XXXX XXXX Account # XXXX {$9900.00} showing as balance 5.Account Name XXXX XXXX XXXX Account # 4XXXX {$580.00} 6.Account Name XXXX XXXX XXXX Account # XXXX NEVER WAS LATE EXNOROUS ILEGALY CHARGES AND AMOUNT OF {$5700.00} SHOULD BE XXXX I MADE ALL 60 PAYMENTS ACCORDING TO CONTRACT SEE PAYMENT HISTORY
Product: Mortgage

I recently closed on my home on XX/XX/XXXX. My mortgage then changed hands and is serviced by Lakeview Loan Servicing , LLC. My payment includes taxes and insurance however I applied for the XXXX XXXX with my city, which was approved. Once I received the updated tax statement I faxed it to Lakeview Loan Servicing , LLC and requested them to confirm with me upon receipt. I never heard back. I sent an email and I have tried AT MINIMUM four times to reach customer service about my escrow account via phone ... their recording would say they had a high call volume and to leave a call back number. I have done this THREE times. I received a call back over a week after my initial request ... Though I am not sure if my email to customer service or my request for them to call me triggered the call back. Regardless, whomever I spoke with told me that my account would be updated by XX/XX/XXXX. It is now XX/XX/XXXX and YET AGAIN I have not heard back and my payment amount has not been updated. I sent ANOTHER email on XX/XX/XXXX and have not heard back from that request either. I find the lack of customer service to be unacceptable. The ONLY way I was able to talk to someone was when I opted to speak with someone about my insurance, because this company also had an error with my insurance information ( no fault of mine as I have had coverage and its paid for with my mortgage payment ). After I resolved the insurance information I asked the woman to connect me to customer service because I am not able to reach them, she said she would stay on the line but then transferred me to another recorded line instead which eventually hung up on me. Being unable to reach my mortgage and have my payment adjusted down to where it should be is not acceptable. They also now will need to back date and update the additional payment amount to principal however I can not get ahold of them in a timely manner, they have left me with no choice but to write this complaint in the hopes to get this matter resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XXXX  YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.
Product: Money transfer, virtual currency, or money service

My Venmo account was frozen on XX/XX/year>. I was told I would receive a second email telling me why but I never got one. I provided them with a picture of my state issued drivers license through the upload link they provided. After doing this I received no confirmation or possible timeline for resolution. Since then I have contacted customer service via email, in app chat, phone call, and XXXX to try and figure out 1. Why it happened in the first place, I have yet to find out 2. How to resolve the issue. First I was told I would receive an email with what further information they needed from me, which I never got. Everyone I talk to tells me they cant tell me anything and that a higher team is looking at it but they dont have access to those records. They have not or can not provide me with any sort of direct communication channel with this higher team. I spoke with someone on the phone who told me 3-5 business days and that I would hear something no later than XX/XX/year>. I never heard anything so today XX/XX/year> I contacted customer service via the chat help in the app and the first person told me literally nothing and then ended the chat, the second person told me they couldnt help me and the XXXX day timeline that has already come and gone. Theyre holding my money hostage for a reason I do not know because they will not tell me and they are offering XXXX options for resolution. As far as I can tell theyre just trying to steal the funds in my account. Also the only feature allowed to me via Venmo service currently is they for some reason will let me continue to receive money even though they wont let me access it which seems incredibly suspicious to me. 

I can forward any chat transcripts they sent to me via email. I dont see anyway to export them as documents to attach and send
Product: Vehicle loan or lease

My auto loan is with Santander Consumer USA. I am a co-borrower on the loan with my ex-fianc, XXXX. XXXX filed a Chapter XXXX  bankruptcy, and released his interest as a title holder on the car. The car was not included in the Ch. XXXX bankruptcy plan, as it is my primary vehicle and I did not file bankruptcy. Payments have been made timely on this loan since the time of loan origination. The bankruptcy filing occurred in 2016. Santander ceased credit bureau reporting at the account level upon the bankruptcy filing, versus at the borrower level, therefore there is no credit history on my credit report for this performing loan. When I contacted Santander they told me the only option was to re-finance the vehicle, which I am unable to do, due to low credit scores. If my loan was reporting as performing, at the extremely high payment amount I pay per month, my credit scores would be improving. Santander 's policy is negatively impacting me as a borrower. In addition, Santander shut off auto-bill pay due to the bankruptcy, when the auto-bill pay comes directly out of my account, and has been deducted for over a year now, post bankruptcy filing. I was not notified of this change, and when I contacted Santander to inquire why the payment had not been taken from my account, they indicated a notice was sent to XXXX XXXX bankruptcy attorney. As a result, my loan is now showing past due. Santander has zero options available for repayment plans, for me as a borrower, because again they have tied the bankruptcy filing to the account versus at the borrower level. Again, this is negatively impacting me as a borrower, due to Santander 's policies when there is a non-filing borrower and a filing borrower on the loan. Billing statements are not provided, and online access to my account is locked, due to the bankruptcy filing. So, while I am making my monthly payments, which is benefiting Santander, I have zero access to the balance of my loan, short of calling Santander and enduring extremely long wait times.
Product: Debt collection

On XX/XX/2018, I was taken to the XXXX XXXX  Medical Center Hospital Emergency Room, via ambulance. I provided my valid Louisiana Driver 's license with my correct name and address, and I also provided my valid health insurance card with XXXX XXXX and XXXX XXXX of Louisiana. As of this writing, I have NEVER received an itemized statement evidencing charges by the independent contracting company for physicians ' services through the emergency room, despite many requests. Now, a credit agency has reported the debt to XXXX and greatly reduced my XXXX  Score causing damage to me. I am trying to obtain a home loan and the creditor is causing great damage to me. My husband has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and has about 4 months to live. The Creditor is causing a tremendous amount of stress to my husband and thereby shortening his life even more. The creditor has to date failed to provide an itemized statement and as such, as prejudiced me from controverting the charges. The creditor has to date failed to file a claim with my health insurer, thereby causing additional damages. Had the creditor adequately performed its duties and filed a claim with my health insurer IN 2018, I would have been able to pay the deductible at that time. Now, while I'm trying my best to survive on one income, with a sick husband, the Creditor files a negative credit report? It's absolutely terrible and disgusting.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$210.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i fell victim to multi-layered scam operation run by fake officer of the FTC ( the scammer ), which involved me making deposits for a total amount of XXXX USD from my Bitcoin of America account to fraudulent investment firm. I had sent my complaint letter to Bitcoin of America, in which i clearly stated how this scam has affected me personally, psychological and financially.
Product: Credit reporting or other personal consumer reports

Well I signed into my credit card account. And found the following companies reporting on my XXXX report and XXXX report : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX 4. Wakefield and associates Apparently these companies which are reporting their tradeline against my XXXX and XXXX reports are collection agencies. I have attempted multiple times to get these collection agencies to verify the debt. None of them can provide me physical documentation that I owe any debts. 

All these companies are reporting as original creditors on my transunion and XXXX reports when they are clearly collection agencies. None are able to provide me with any proof of debt. I have never entered any contract or financial business with these companies. Again they are collection agencies not creditors. But they are reporting on my credit reports as creditors.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : I am filing this CFPB complaint to request that TransUnion, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), block information on my credit report that is the result of identity theft and fraud within four business days of receiving this complaint. 

The fraudulent, inaccurate, and false information includes : 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 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  These accounts have led to several unauthorized hard inquiries and fraudulent collections on my FICO credit report. All these accounts, collections, and inquiries are the result of identity theft and fraud. 

Enclosed is a copy of the FTC Identity Theft Criminal Complaint # XXXX ( XXXX ) # XXXX ( XXXX ) as proof from the U.S. Federal Trade Commission that all the mentioned credit accounts, collections, and inquiries are due to identity theft and fraud.
Product: Credit reporting

unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Experian. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX CARD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FINCL XXXX XXXX XXXX
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Collection Account and Violation of Rights Dear Sir/Madam, I am writing to formally dispute a collection account that has been reported by Debt Recovery Solutions LLC to consumer reporting agencies. This dispute is based on violations of my rights as a consumer, specifically under the regulations outlined in 12 CFR 1006.34. 

Failure to Provide Validation : The collection agency has not provided validation of the debt as required under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, they have placed the collection on my consumer report, impacting my credit standing without proper verification. 

Denial of Dispute Opportunity : I have not been given a chance to dispute the account as outlined in 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). This denial of my right to dispute the account is a clear violation of consumer protection regulations. 

Use of False and Deceptive Means : The collection agency is violating my consumer rights by using false, misleading, and deceptive means. Their actions do not align with fair debt collection practices and are causing undue harm to my financial well-being. 

Failure to Provide Required Disclosures : The collection agency has no authority to furnish any account to consumer reporting agencies without providing any and all disclosures required by law. This failure to comply is a violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ). 

I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action against Debt Recovery Solutions LLC for their violations. Additionally, I request that the collection account be removed from my consumer report until the necessary validations and disclosures are provided. 

I am also revoking all rights of Debt Recovery Solutions LLC communicating with me through email, text, and calls. I am requesting debt validation and the purchase agreement between Debt Recovery Solutions LLC and the original creditor. I am also requesting proof that they are licensed and bonded. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX 2 ) ACCOUNT NAME : XXXX XXXXXXXX ACCT # : XXXX 3 ) ACCOUNT NAME : XXXX XXXX  ACCT # : XXXX 4 ) ACCOUNT NAME : XXXX XXXX XXXX ACCT # : XXXX 5 ) ACCOUNT NAME : XXXXXXXX XXXX ACCT # : XXXX 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 Bureaus and collection company keep verifying and updating my account without sending proof of contract with signature. I aso was not notified within 5 days of reporting to the credit bureaus that the collection agency was going to report to the credit bureaus.
Product: Mortgage

Hi, On XXXX, from XXXX XXXX, I had a loan to purchase a house, on XXXX XXXX XXXX switched the loan to Carrington mortgage services ( they do n't have office in the state of Texas ), since then I having problems with this company because all they 're telling me is n't true.A couple of days ago I received a letter saying that they increased the home payments, I called, and they say there are XXXX reasons, XXXX reason was because the insurance went up, the other reason was because the XXXX city taxes went up, but I told them that this house is exempt of taxes because I 'm XXXX, then they change their mind saying that there is an error on the XXXX contract, I asked them where is the error because I have copy of the contract, then they changed their mind again saying for other reason not written in the contract, so they lie to many times. I 'm disable, they do n't have office in Texas, and for me is very hard to talk with a manager to ask why they lying to much. I was paying $ XXXX/ month and they increased to {$400.00}, and if I add the difference of the insurance, go to {$370.00} no {$400.00}. What action I want you to take? transfer the loan back to XXXX, but they Carrington wont do that. I need your help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting inaccurate/unvalidated/unverified information to my credit report. I have sent several letters requesting that the incorrect and unverified information be removed from my file. XXXX XXXX has failed toVALIDATE WITH PROOFand provide me documentation on file that proves the account is accurate. XXXX XXXX has not heeded to myrequest for their METHOD OF VALIDATION as to how they determined & acquired the debt, nor have they deleted the inaccurate unverified accounts from my Equifax credit report. During a previous investigation their reportorting was found inaccurate/invalid/unverified and was deletedfrom my XXXX  file in XX/XX/2019 ( see page 14 of  attachment titled " XXXX '' ) I am requesting that the account is deleted immediately