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

I did not give written consent to my private information on my credit report. My rights pursuant 15 USC 1681b has been violated as a federally protected consumer. See attached document with details of inquiries for removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX  Date Opened : XX/XX/2017 Amount : {$1000.00} Account Type : Charge Off This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.
Product: Credit reporting or other personal consumer reports

I filed a dispute in XX/XX/year> for a late payment on my credit report that was inaccurate, I was unable to submit supporting documentation. 
Now I am Unable to reopen the investigation on their site because they said the investigation is ongoing even though I received a letter saying " closed/resolved ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items being on my credit report. It has been well over 30 days since the dispute and I have not received my investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to bring to your attention an issue with the accuracy of my credit report. Specifically, I am disputing the reporting of late payment by the credit reporting agency that is inaccurate and is negatively affecting my credit score.

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to report accurate and complete information. Section 1681e ( b ) of the FCRA states that credit reporting agencies must follow reasonable procedures to ensure the accuracy of the information in a consumer 's credit report.

Despite the information being provided to the credit reporting agency with evidence that the late payment reported on my credit report is inaccurate, the agency has not taken any action to correct the error. My lender XXXX provided me with a letter stating that the information in question is inaccurate, and they sent a copy of this letter to the credit reporting agency as well. The letter clearly states that late payment is inaccurate and should not be on my report.

I would appreciate your assistance in resolving this matter promptly, as the inaccurate reporting is negatively impacting my credit score and my ability to obtain credit. Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc. ) due to its inadequate customer service and unfair practices, which violates Consumer Financial Protection Act ( CFPA ). Specifically l, cashapp failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Funtermore, 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 regulations 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

Subject : Request for Removal of Account from Credit Reports.

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccuracies on my credit report that violate my consumer rights under federal law. Despite my efforts to dispute the information directly with the credit reporting agencies, the inaccuracies remain unresolved, which I believe constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws. 

The specific issue in question involves the inaccurate reporting of an account that I have disputed, yet it continues to appear on my credit report without proper verification. I have contacted the relevant credit reporting agencies, but the disputed item has not been removed or corrected. This failure to address the inaccuracy is a direct violation of my rights as a consumer under 15 USC 1637b, which mandates that creditors and credit reporting agencies provide accurate and timely information to consumers.

Under 15 USC 1637b, creditors and credit reporting agencies are required to ensure that the information they report is accurate and reflects the true state of a consumer 's credit history. This law protects consumers from being harmed by the presence of unverifiable or inaccurate information on their credit reports, which can negatively impact their ability to secure credit, loans, or other financial services.

The continued presence of this inaccurate information on my credit report is causing significant harm to my financial well-being, as it is negatively affecting my credit score and making it more difficult for me to obtain credit at favorable terms. I am requesting that the CFPB intervene in this matter to help ensure that my consumer rights are upheld and that this inaccurate information is removed from my credit report in accordance with federal law. 

Thank you for your attention to this matter. I look forward to your assistance in resolving this issue promptly. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I want proof that all dates and amounts are correct. I have had no late payments in 4 years and my credit score is low. I want to see the documentation or I want the accounts deleted. I am referring to all the closed accounts that were included in XXXX  XXXX. 

I also want to see all signed applications for every inquiry or I demand they are deleted.
Product: Debt collection

3 Different accounts that are not mine : XXXX ( {$330.00} ), XXXX ( {$60.00} ), and XXXX ( {$75.00} ). I attempted to remove these items because they are not mine and because they violate HIPPA but they are refusing.
Product: Credit reporting or other personal consumer reports

After checking my XXXX, Equifax and XXXX credit report on XXXX, I noticed some hard inquiries that do not have permissible purpose according to 15 USC 1681b I wish to have the following inquiries removed from my report : XXXX XXXX XXXX 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: Mortgage

I was previously struggling to make my mortgage payment in XXXX. During this time, I reached out to my loan servicer to obtain a loan modification to help catch my mortgage payments up. My loan servicer set me up with the modification plan that caused me to incur multiple late fees and multiple late reportings on my credit report. In XX/XX/year> I called planet home lending and requested that I be able to pay the entire amount that was due in order to bring mortgage payment current and remove me from the modification plan that I was taking part in. I made a payment of {$4200.00} which I was told was going to be used to fully catch my payment up, then proceeded to make my normal monthly mortgage payment A few days later, so that I could be ahead on my mortgage payment and have time in the future in case any financial struggles were to happen. The representative I spoke to over the phone told me that I could request to have the late payments deleted off of my credit report and that I could request the waiver of the late fees that were charged which totaled over {$500.00}. The representative failed to mention that the payment that was made a few days after fully catching everything up, was actually being used towards my XXXX payment, which was late at the time and shouldve been included in that total amount. Ive made my monthly payment on or around the XXXX of every month as I am a retired veteran on fixed-income. It has come to my attention now that what I assumed I was paying in advance around the XXXX of every month, per the conversation I had with the representative around XX/XX/XXXX of 2024, was actually paying for the month that it was in. In XX/XX/year> I requested documentation for the modification plan that I was previously taking part in and after two months, Ive still received no documentation aside from a transaction summary from the last 12 months. I asked them to physically provide me with a signed copy of the loan modification documents, and they have yet to do so. If it is an electronically signed document, I would also like to request a copy of my E consent for electronic signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony, Bank discount tire had Called me for a while reporting that I was past due on my credit card payment. I explained to them with the dispute team that this was not my account I was unfamiliar of this being opened in my name, and my information, and then being used. They said ok thank you and closed it all out. Yesterday I received a letter stating that I received goods or benefited from the account and they re-opened it, stating I still owe them money. I have had several issues with identity theft and continue to struggle with getting my information clear. I called them again today to try and dispute it again letting them know that I did not open a credit card nor did I even apply for a card. I will continue to fight this until it is appropriately resolved. I have a XXXX  XXXX XXXX and nothing close to the vehicle they stated was worked on. This has significantly impacted my credit score.
Product: Credit reporting or other personal consumer reports

This company lied to me. I had paid for deletion I paid this they did not update my credit report. Please remove this from my credit file. Paid on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the provisions outlined in the Fair Credit Reporting Act, I am composing this communication to formally request an immediate investigation and rectification of an account that appears to contain inaccuracies and incompleteness within my credit file, as follows : Equifax : NM CHILD SUPPORT Date opened : XX/XX/2012 XXXX Balance : {$0.00}. Furthermore, I hereby request thorough verification of the aforementioned account. Should you be unable to substantiate the accuracy of the provided account information to the fullest extent, I implore you to promptly rectify and update it accordingly.
Product: Credit reporting or other personal consumer reports

Equifax has given out my consumer report to various financial institutions without my consent. In order for a company to obtain my consumer report written instruction has to be given by the consumer for such action to take place which is under 15 U.S. Code 1681b - Permissible purposes of consumer reports a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Any company requesting a consumer Report from equifax is suppose to disclose the identity of the end user and written permissible purpose for each use of the consumer report. I have disputed many of these items which have come back verified. Im not Im asking for verification. I am requesting Equifax prove the certification ( documents ) ( written permissible purpose ) for each hard inquiry. 15 U.S. Code 1681g - Disclosures to consumers ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 1681e ( e ) ( 1 ) of this title ) that procured a consumer report 15 U.S. Code 1681e - Compliance procedures ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end- user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). ( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person If equifax can not produce the certification for each item listed then equifax has committed fraud under 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information. 
I want the following hard inquires deleted, XXXX XXXX XXXX XXXX XXXX XXXX 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

A premier credit card account is being reported by XXXX, XXXX, and Experian. 

This accounts last update occurred on XX/XX/2024. As per the information documented in the comments, this account was falsely listed as being compliant with FCRA regulations. Experian even attested to this, with records indicating supposed verification of reported data by the company. However, I contest the accuracy of this account.

Despite federal law obligating the furnisher to rectify and refresh the account, it persists with discrepancies, including missing, inaccurate, and inconsistent data, knowingly reported by the company. 

XXXX lacks payment history for this account, while XXXX and Experian display numerous inconsistencies in payment records.

All major credit bureaus exhibit deficient, inaccurate, or inconsistent data regarding this account. Accordingly, I request the deletion of this account due to inaccuracies and FCRA 623 violations.

According to the Duty of Furnishers to Provide Accurate Information : ( A ) Reporting information with actual knowledge of errors or after notice and confirmation of errors is prohibited.

If this account remains undeleted, I will presume willful noncompliance, subjecting the company to liabilities including actual damages sustained by the consumer and legal fees, as outlined in the FCRA.
Product: Credit reporting or other personal consumer reports

Re : Unsolicited Mortgage Transfer Causing XXXX Score Drop My mortgage was transferred from XXXX XXXX to another lender without my consent. I know this is legal. However, this action caused my credit score to drop XXXX points with Equifax and XXXX points with XXXX  This can not be legal as I was just denied credit today as a result of this. The new lender has not yet reported my mortgage, so the closed and transferred status has caused over XXXX points drop in my score. There must be something that can be done. XXXX and Equifax were not able to offer a solution and stated that I must wait for the new lender to report. What can be done to protect consumers from this transition period imposed by the arbitrary transfer of mortgages that cause harm to the consumer?
Product: Debt collection

I am displeased with Experian 's handling of fraudulent accounts on my credit report. XXXX swiftly removed these accounts, but Experian has not, violating its obligations and damaging my financial standing. 
Remove the following accounts immediately : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report states I had a late payment on XX/XX/2022 and my record does not reflect late payments and lack of verification.
Product: Checking or savings account

Fraud debits were pulled from my account via a debit charges. In the years that I have had my debit card I have used it only twice, just before the fraud charges hit my account. The information of the man who did the fraud and the names of the people that got the money transferred to them was given to Huntington Bank representative when I open a new account. XXXX XXXX # XXXXwas the person who committed the fraud. The money was transferred to XXXX and XXXX XXXX  to XXXX XXXX The other person was a XXXX ( last name I can not find ) this infor was given to Huntington bank. XXXX transfered XXXX and XXXX XXXX transferred XXXX charged to my debit card. on XXXX XXXX XXXX transferred XXXX twice. charged to my account. I feel that these charges are obviously not mine and should be reversed. Huntington Bank has put me in serious financial trouble by not refunding these funds. I am retired, visually impaired and recovering from XXXX XXXX treatment. A ps on this site would be that black font would be easier to read, I am usinga magnifying glass to try and read the screen
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported multiple late payments on my accounts, however I was in the process of applying for federal student loan forgiveness and consolidation and was in the process of transferring this loans to the Department of Education. The loans were officially taken over by the department of education at the end of XXXXXX/XX/2022, but XXXX reported multiple late payments to my credit score during the transition process in XXXX and XXXXXX/XX/2022. I am trying to refinance my home to pay for damages to my roof and because of these items my lender will not approve this. On top of that, despite the credit reporting being of no fault of mine due to the active transfer process, I was severely injured in a car accident in XX/XX/2022. I am a XXXX that was working COVID Crisis assignments in XXXX all over Florida and was in an accident leaving me unable to walk for almost four months, and had no I come at this time. I am a single mother of XXXX children and I paid the necessary bills to survive, none of which included the loans from the XXXX XXXX as the account is closed and transferred, and I was told due to the pending legislation for student loan forgiveness for nurses, no payment is due at this time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX provided me with documentation assuring me that they have never reported me late. They have Me late for the month of XXXX and XXXX speaking to XXXX XXXX XXXX XXXX they informed me they have never reported that. I provided this information to the credit bureau Experian. they have done nothing updated it. this is unacceptable. They are violating 15 U.S. CODE 1681 ( a ) By reporting in accurate information.
Product: Mortgage

My husband and I have a mortgage on our home that is serviced by Wells Fargo. The last home appraisal on our house, that was done at the time we re-financed through Wells Fargo, was {$240000.00}. On my XX/XX/XXXX statement, it shows that we have paid that down to {$190000.00} which is over 80 % LTV. So I called Wells Fargo to ask them to remove the PMI charges from my mortgage payment. I was told that I would either have to pay for an appraisal, or pay an additional amount over {$3000.00} in order to bring out LTV ratio up even more and then they would drop our PMI charges. The Homeowner Protection Act XX/XX/XXXX states that I should be able to call the company when I have paid more than 20 % of the equity in my home and the company is then obligated to remove the PMI charge. When I asked to speak to management and brought this up, I got a serious run-around. Then they told me that it could probably be removed, but that they would have to escalate it to some other department at Wells Fargo. When I asked how long that would take, they said it would take 10 days. So I told them I would call the XXXX Consumer Protection Agency the next day, and then they told me that they would get back to me within 48 hours instead of 10 days. This conversation between me and the people I spoke to at Wells Fargo happened less than an hour ago, but I am filing this complaint anyway since I feel this is against the law, and another example of big bank fraudulent activity and abuse.
Product: Checking or savings account

On the XX/XX/2019, my car got broken into whiles I was working out at the XXXX XXXX gym in XXXX Washington. The thief stole my wallet and other belongings in my car. I had my ATM debit card and my driver 's license in my wallet and at that time my PIN number was my date of birth, which the thief had access to. Three transactions were made before I was able to cancel the card and I called the cops right away to report the incident which I have a case number. The following are the transactions made before I was able to cancel the card. 

XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$80.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wa XXXX Amount : {$1000.00}. Time : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX Amount : {$250.00}. Time : XXXX I recently got a letter from Bank of America stating that from their investigation all the transactions were appropriate, hence my claim is deny and the case is closed, so the credit I got for the lost money was removed from my account, which is the XXXX and XXXX transactions. The XXXX XXXX transaction investigation is pending as that was disputed later because that was not included in the initial transactions when I first reported the incident to bank of America customer service. 
I requested for the police report after I got a letter stating my claim has been denied but I was given a letter instead stating the case is still under investigation which I have since fax to bank of America fraud department. 
I'm still yet to be credit hence my complain.
Product: Debt collection

I 've received calls for months now in attempts to collect a debt for a payday loan I never received. The company calls themselves Debt Mediation Services out of XXXX FL In college, back in XXXX, I inquired about these types of loans but never actually took one out. The calls stopped for a while, after doing research I found it was a scam and so I just blocked their call any time I they called Today XXXX/XXXX/XXXX. I received a voicemail from XXXX XXXX at XXXX. I promptly blocked this number on my phone : XXXX I then get a call from my sister that she received a voicemail from Debt Mediation services from the same person attempting to reach me. Her number is my former phone number of XXXX I called him back after he called my sister. He said the same speech as the previous person that I owe {$990.00} but they will avoid wage garnishment and a lawsuit if I pay now in the amount of {$280.00}. I asked him if this conversation was recorded. He said yes. I told him that my family is not to be contacted in this matter. He told me he has the authority to contact anyone he needs to collect a debt. I asked him about where this money was deposited and what bank account it was. He said he did n't have the account but that it was for XXXX XXXX XXXX XXXX back in XXXX. I asked him if he was aware that I have n't had a bank account with XXXX since XXXX when XXXX XXXX XXXX bought it. He said it was irrelevant. I told him I was not interested in settling. He threatened me with " we 'll keep calling '' and I asked if he just threatened me and he attempted to backpedal. I terminated the call. And told my sister to block them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX ; XXXX XXXX XXXXXXXX, account # XXXX ; and XXXX XXXX XXXX account # XXXX has violated my rights. 

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 an account without my written instructions.