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

This is a CFPB Complaint I am submitting regarding the Fraudulent accounts and information I found being reported on my Credit File. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an ID THEFT REPOT. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Please remove the following fraudulent items : 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 Balance : {$610.00} XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$590.00} XXXX XXXXXXXX Balance : {$9700.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$200.00} XXXX XXXX  XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$290.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$540.00} 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 I have read that you are expected to comply with the Fair Credit Reporting Act section 605b and remove the disputed items within the time allowed by law, so please do so.
Product: Student loan

I recently checked my credit score as it dropped significantly. It turns out that Mohela has doubled my loans from XXXX to XXXX. I have not opened any new accounts as I'm not currently going to school.
Product: Debt collection

I disputed the collection through XXXX XXXX. The company did not respond within their XXXX window, and my scores through neither bureau have been updated, so the collection remains. I'm disputing this collection again because they're constantly reporting false information/charges without getting the proper confirmation or updated charges from the companies involved. I will attach the XXXX XXXX dispute for records that state they did not receive a response and this should be removed from all XXXX bureaus IMMEDIATELY until the company can legitly prove ownership of a collection. They have been reporting inaccurate information and the bureaus have yet to remove the collection entirely, I have not received anything or heard back from anyone in regards to this debt. This is ILLEGAL reporting.
Product: Debt collection

According to 15USC 1692g.

1.Send me detail list of the history of payment made by me on this account.

2.I want to see the signature that I put on the contract stated that this debt would be paid.

3. Have there been any insurance claims filed on this debt.

4. I want proof that the company has the chain of title to collect on this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : XXXX RE : Partial Account Number : XXXX. 
VIN Number : XXXX To whom it may concern, I am aware that the FCRA allows for creditors to report but they have to be compliant and accurate at all times. My concern with this account is this. It is reported on my consumer report that this alleged debt was charged off. However, based on the notice of late payment required to be given to a consumer by the FCRA, I did not receive a late notice within five ( 5 ) business days nor was notified that XXXX XXXX XXXX will be putting a negative remark on my consumer report. 

Also, based on the Fair Credit Billing Act, XXXX XXXX XXXX failed to provide me an up to date balance during the month ( s ) that this alleged debt was reported as late so how am I able to make sure the balance was not modified or misrepresented during that time causing a calculated error and in turn, caused the account to be late? How do I know that surcharges were not billed by mistake and that you were accurate while reporting? Can you please provide me with these details.

Additionally, according to the IRS, a 1099-C was to be sent in accordance with this chargeoff as it is over XXXX However, one was not sent. Also, since the alleged debt was charged off, why are you still trying to collect on the alleged debt? Is that not considered fraud and abusive activity according to the FCRA? 



Again, according to the FCRA, all creditors MUST be compliant and accurate when reporting and I feel that XXXX XXXX XXXX failed in doing so.This account is inaccurate and XXXX XXXX XXXX had an obligation to the FCRA to tell me if I was going to be late and that you were going to post a negative remark on my consumer report. You also had an obligation to send me a 1099-C in which you failed to do so. With you reporting this account on my consumer report, it is considered an illegal report and in connection with the XXXX, XXXX XXXX XXXX will be in violation of certain codes equating to XXXX  per violation. 

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking XXXX per violation for : Defamation of Character ( per se ) Injury to person Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This account is inaccurate and I am demanding that it be removed from my consumer report. 

SEND CORRESPONDENCE TO THE ADDRESS PROVIDED BELOW : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, TX XXXX Without ill-will or animosity, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With Prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly a current balance of {$20000.00}, as well as reporting that I am ( 120 ) days late on the OAG CHILD SU/OFFICE OF THE ATTY GEN partial account number XXXX. ( Please see page attached from my credit report. ) This account is current and needs to report a {$0.00} balance. There were never any late payments. All scheduled monthly payments were made on time. The child support was recently modified and there is no current order. I have attached a copy ( 1 ) Child Support Review Order ; ( 2 ) Current Child Support modification, and ( 3 ) Child Support Judgment ( Release ). This incorrect reporting of an account with a balance due and lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope this message reaches you promptly. I am writing to urgently request the immediate removal of old items and also the new fraudulent items that have appeared on my credit file. 

Despite previous attempts to rectify fraudulent entries on my credit report, I have discovered new fraudulent items that have recently emerged. This situation is deeply concerning and requires urgent attention to mitigate any further damage to my financial standing. 

I urge you to escalate this matter and take immediate action to thoroughly investigate and remove these fraudulent items from my credit file. It is imperative that we address this issue swiftly to prevent any adverse impact on my creditworthiness and financial stability. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXXXXXX 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

After I checked my credit profile I seen some inquiries that are not mine.
Product: Credit card or prepaid card

My name is XXXX XXXX XXXX I have a complaint about Bank of America EDD prepaid card. I called Bank of America regarding my account being frozen because of the fraudulent that had happened to my card. When I discovered that some of my money totalling {$3900.00} were taken, I reported it right away. They canceled that card and sent me another one within the next day. I had also filed a police report regarding this fraud. Two days after I received my new card, Bank of America locked it. Right before XXXX. I have spoken to their people even asked for a supervisor and they kept sending me to different department and gets hang up. Then, I got a letter from them saying that my fraudulent case is closed! I called them and asked why and they never give me the right answer. I also called them for my account statement to be emailed to me so I can send it the police officer that was assisting me with my fraud case and they never send it when I was told that it will be email to me. It's been two weeks and 3 different people I have talked to regarding sending my statement and still no email. They locked my card and I can't get my money ( almost {$9000.00} not including the {$3900.00} that was stolen from me ). At first, they said it was the EDD that locked my account but the EDD told me that it was Bank of America. I am ready to take legal action at this time because they are just having me run around the circle. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Former or Current Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Phone number : XXXX is not on my credit report and is my current employee for last 2 years.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Third Request to Correct Inaccurate Late Payment Reporting Dear CFPB, I am filing this formal complaint against Experian for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX OF XXXX account ( Account # XXXX ). Despite my repeated requests for correction through disputes filed on XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX, no changes have been made to address the inaccuracies. These unresolved issues are in violation of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Payment History Discrepancies The payment history for this account contains significant inaccuracies : XXXX reports a XXXX late payment for XX/XX/XXXX, which is incorrect. 
Experian reports a XXXX late payment for XX/XX/XXXX, which is also inaccurate. 
XXXX inaccurately reflects the account as having a XXXX late payment despite showing no late payments in the detailed two-year payment history. 
These discrepancies among the credit bureaus highlight a failure to maintain consistent and accurate reporting of my payment history. The XXXX late payments reported by XXXX and Experian are false and unsupported by any records. 
FCRA Violations XXXX5 U.S. Code 1681i : Mandates credit reporting agencies to ensure the accuracy of information in consumer files. XXXX has failed to investigate and correct the disputed information. 
15 U.S. Code 1681e ( b ) : Requires credit reporting agencies to adopt reasonable procedures to assure maximum possible accuracy of the information they report.

TILA Violations 15 U.S. Code 1666b : Creditors must send periodic statements at least 21 days before the payment due date. The reporting of a late payment indicates non-compliance with this requirement. 
Impact of Inaccuracy This erroneous reporting has caused significant harm to my creditworthiness and financial standing, creating barriers to obtaining credit at favorable terms. 
Previous Dispute History My first dispute regarding this issue was submitted on XXXX XX/XX/XXXX, and my second dispute on XXXX XX/XX/XXXX. Despite providing the necessary documentation to support my claims, no changes have been made to correct this error. 
Desired XXXX XXXX removal of the inaccurate late payment notation from my credit report. 
Written confirmation of the correction. 
Attachments To assist with your investigation, I am including the following documents : A copy of my government-issued ID. 
A copy of my Social Security card. 
Copies of the dispute letters from XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX. 
A highlighted copy of my credit report showing the inaccuracies. 
If this issue is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider seeking legal action to protect my federally granted consumer rights. 
I expect your response to this letter within 15 days as mandated by the FCRA. Please contact me if additional information or documentation is required to complete your investigation. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I had to open accounts with Capital One since XXXX  before my car accident and I was in good standing until my XXXX happened and I had to wait for me to get XXXX. I called the company and let them know of my situation so they put me in a lower payment in between I was using it to live and I got scammed when I got some money for my car accident so it was very hard for me to pay but I still did I asked to be put on auto pay because I forget certain things I have a rare XXXX  condition after XXXX  XXXX. I have called Capital One several times with this issue that they made it seem that I was on auto pay but it only lasted 3 months and I forgot about it and so I went and default called in XXXX of XXXX to make it right then called back a couple months later and the last time I called was XX/XX/XXXX by this time I asked to be put on a lower payment plan because XXXXovid also affected my income and I broke up with my boyfriend of 5 years so I no longer had help I explained my whole situation to the company every time I called and pleaded with them they made it seem like they were going to help me and I spoke to managers before and asked for a payment plan and they finally got me down to a very low payment plan that was acceptable for me but with that when they read me the terms and conditions I was not aware that they closed the account. The account manager when I called back XX/XX/XXXX really made me feel ashamed for not knowing even though he said that they sent paperwork I explained that I forget a lot of dates in my mind isn't as sharp because of my XXXX that I have asked to be on autopay and I did it myself and I was making the payments but I asked them to reopen my accounts so I'm still in good standing cuz I was making the payments he told me there is no way they can reopen my account and by what I mean he ashamed me and made me feel less than a person when he told me that I if I can't remember dates that I should get a power of attorney I'm only XXXX XXXX XXXX and it made me feel like I can't do anything I told them if I can not have my credit open again at a certain time what is the point of me making the payments because I'm already struggling with the little bit that I have and XXXX kids all I ask them to do was reopen my accounts and me be in that low payment plan so that I can eventually keep fixing my credit. I just wanted a fair chance and they have all the recordings of me pleading with them I have called the company at least 4 to 6 times asking for help and asking to be put on autopay and explaining that I forget things but the last encounter with the last manager really made me feel like a horrible person.i don't think it's a company job to tell you when you should be put on a P.O A I feel highly discriminated against and I want to pay my debts and be treated fairly as a person without the extra comments when I explain that I need help. I would like both my accounts to be turned back in good standing then I will continue to make the payments I owe slowly
Product: Mortgage

My loan was purchased by Nationstar Mortgage at the end of 2014. Prior to my loan being sold to Nationstar, I switched my home insurance from XXXX to XXXX XXXX. 
Upon receiving my loan, Nationstar used funds from my escrow to pay XXXX instead of XXXX XXXX. 
I have called them multiple times to correct the issue. On XXXX they finally issued a payment to XXXX just in time to prevent my insurance from lapsing. Unfortunately, they did so by using more of my escrow funds. I have asked them to work with XXXX to return funds to my escrow but they have refused to do so. They promised to fix the issue and call me back but have not done so. I have called them again, after the holidays and I am told that their call center is not open. I am sick and tired of playing on the phone with them. They sent money erroneously to the wrong insurance provider, the onus is on them to fix their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. XXXX is being investigated by the FTC
Product: Mortgage

XXXX months ago, I fell behind on a mortgage payment and enrolled in a hardship assistance plan through Fifth Third Bank. Since then, I have caught up on my payments, and as of now, my mortgage account is fully current with no outstanding past-due amounts. Despite this, my hardship plan remains active, which I do not need or want anymore. 

Over the last month, I have made XXXX attempts to contact Fifth Third Bank to cancel this hardship plan, each time being transferred to the " Solution Center. '' Every single time, I was forced to leave a voicemail because no one in that department answers the phone. Despite my repeated messages, I have not received a single call back, email, or any communication from the bank. Today, I made yet another attempt and, once again, was left with no response. 

This lack of response and disregard for my requests is absolutely unacceptable. I have done everything Im supposed to do to resolve this issue, but Fifth Third Bank has ignored me completely. I need this payment plan canceled immediately, as there is no reason for me to remain in this program now that my account is current.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the customer Financial Protection Act ( CFPA ). Specifically, CashApp 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: Credit reporting or other personal consumer reports

My personal information has been compromised. I am a victim of identity theft. I have been requesting information from various companies and debt collectors and have been unsuccessful. I have provided multiple FTC reports and police reports to creditors and credit reporting agencies. The companies reporting inaccurate accounts are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The only address I have been associated with is XXXX XXXX XXXX XXXX Oh XXXX Please remove anything different!!
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : XXXX - Account # : XXXX Company Name : XXXX XXXX - Account # : XXXX Company Name : XXXX XXXX XXXX - Account # : XXXX Company Name : XXXX  - Account # : XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX ( Case XXXX ) Violation of Responsibilities of Furnishers 15 USC 1681s2 Accuracy 15 USC 1681 ( e ) ( b ) and 15 USC 1681i5a Verification 15 USC 1681i7 I, XXXX XXXX, declare under penalty of perjury that the following statements are true relating specific debts reflecting on my credit profile. The circumstances surrounding these alleged debts raise tremendous ethical and legal issues, involving fraud and coercive practices. These practices have led to an unjust financial obligation on my part, as my SSN has been used as a personal and financial gain illegally. The accounts are : XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Opened : XXXX XXXX XXXX  : {$4400.00} XXXX XXXX XXXX XXXX XXXX : Opened : XXXXXXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX  : Opened : XXXXXXXX XXXX XXXX : {$520.00} I attest that the alleged debts associated with these accounts do not reflect my financial responsibilities and are in result of practices that are deemed fraudulent. I am disputing these accounts and request that by resolving this dispute that they are blocked and deleted from my credit profile. By doing so is crucial to rectifying the inaccuracies and relieving the undue burden they have imposed on my financial standing. I am aware of my rights under federal and Mississippi state laws regarding credit reporting and identity theft. I declare under penalty of perjury that the information provided in this affidavit and accompanying documentation is accurate and truthful.