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

THIS BACK AND FORTH GOES BACK TO XXXX. I'VE BEEN DISPUTING DIRECTLY THROUGH EQUIFAX AND CFPB, EACH TIME THROUGH CFPB THE DISPUTE HAS DEFAULTED TO CLOSE DUE TO OVER 30 DAYS OPEN AND THEN ON THE BACKEND, I RECEIVE A LETTER IN THE MAIL FROM EQUIFAX STATING, AND I QUOTE " WE HAVE RECEIVED YOUR REQUEST CONCERNING INACCURATE INFORMATION ON YOUR EQUIFAX CREDIT FILE. BECAUSE THE INFORMATION YOU PROVIDED AS PROOF OF YOUR IDENTITY DOES NOT MATCH THE INFORMATION, WE CURRENTLY HAVE ON YOUR CREDIT FILE, WE ASK THAT YOU SEND US A COPY OF TWO DIFFERENT ITEMS ''. I'VE SENT IN A COPY OF MY SOCIAL SECURITY CARD AND DRIVERS LICENSE MULTIPLE TIMES DIRECTLY THROUGH CFPB AND CERTIFIED MAIL. EACH TIME I DSIPUTE, THIS IS THE SAME RESPONSE I GET. SO, IF THEY ARE UNABLE TO IDENTIFY ME, HOW IS IT THAT YOU'RE ALLOWING FALSE INFORMATION TO BE ON MY REPORT. THIS HAS AFFECTED ME DRASTICALLY. HERE ARE A FEW LETTERHEAD DATES I RECEIVED SUCH RESPONSE, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because multiple creditors and credit bureaus have engaged in unlawful debt reporting, collection, and credit violations, resulting in financial harm and unfair treatment.

Despite my debts being legally discharged as confirmed by IRS Form 1099-C ( Cancellation of Debt ), the involved creditors continue to report these accounts as delinquent or active on my credit report, in violation of the Fair Credit Reporting Act ( FCRA - 15 USC 1681 ), Fair Debt Collection Practices Act ( FDCPA - 15 USC 1692 ), and Truth in Lending Act ( TILA - 15 USC 1601 ).

What Went Wrong : Debts that were canceled via 1099-C are still being reported as delinquent and open.

This misrepresentation falsely impacts my creditworthiness.

Accounts that should have aged off after 7 years are being illegally " re-aged '' to appear new.

This unfairly extends the impact of negative accounts beyond legal limits.

Creditors are reporting new late payments on accounts that are closed.

A closed account should not accumulate new negative marks.

Debt collectors are attempting to collect on time-barred debts beyond the statute of limitations.

These debts are legally uncollectible but remain on my reports.

Creditors pulled hard inquiries without my authorization.

Unauthorized credit inquiries damage my credit and violate FCRA.

Debts are being reported without proper validation or proof.

This violates FDCPA, as creditors must validate debts before reporting.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc ) due to inadequate customer service and and unfair practices which violate the consumer financial protection CFPB.. specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected Furthermore their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the Electronic Fund Transfer Act EFTA these actions have caused significant inconvenience and financial loss I seek appropriate redress for these violations
Product: Debt collection

RECEIVABLE MANAGEMENT Account XXXX The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

View your Report | View your credit score I do not have an account nor have I used their services. The debit collector has claimed that I owe them. It has reflected negative on my credit report. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported 12 late payments to my account, on all 3 bureaus. I have never missed a payment and have made payments early.
Product: Mortgage

I applied for and was granted a loan modification on a home I inherited. XX/XX/XXXX, I called Bank of America 's automated system, to make my 2nd mortgage payment. The payment amount requested was {$290.00} more than the regular monthly payment. I call customer service and the rep said " the additional $ XXXX is the fee charged by the foreclosure attorney, but the good news, you're not required to pay it immediately, you can pay it whenever you are able ''. 

How is an extra $ XXXX good news? 

I read the modification docs I signed, and the bank accepted. There is no mention of that charge anyplace. I told the rep that and she said " we are not allowed to put that in the modification contract, but you have to pay it ''. I asked to speak with my CRM. The rep left a message for my manager, but told me, my CRM will tell me the same thing. 

I am at a loss. I have been working on this modification for a year, and this fee has never been mentioned. 

Bank of America is just able to apply a fee that has never been discussed?
Product: Mortgage

Since XXXX XXXX loan modification Approval with my VA Lender First Continental XXXX Mortgage XXXX my lender has failed to send my loan balance statements. 
I have been making timely payments of {$1700.00} @ month on my VA mortgage since XXXX XXXX and my XXXX bank Direct payments online is my evidence of payments. 
When VA loan modification was approved l had new Balance on my loan of {$250000.00} and as payments has been made since XXXX XXXX till present l have n't receive any VA Loan or escrow account 's statements on balance of loan, etc.Why? 
Also, Lender has failed to send me loan statement documents for six months by Regular XXXX Mail Service at my home address XXXX XXXX XXXX XXXX, XXXX, XXXX or my XXXX XXXX XXXX, XXXX XXXX XXXX. 
I travel to XXXX for my XXXX XXXX treatments with my Physician XXXX XXXX XXXX in XXXX, XXXX 
I am retired. 
Also, my lender has failed to disclose my VA loan on my credit report with XXXX, and XXXX it has been over 60 days, since l file complaints as my lender rep states that my credit report will be updated. 
We are in XXXX XXXX and nothing is done. 
I am been Retaliated and Discriminated because I am a XXXX Military Veteran and l my filed complaints against lender since the lender fraud issues from XXXX XXXX. 
I will email VA loan documents to Consumer Financial Protection Bureau with my case number complaint. 
This is a Urgent request that Federal government conduct a investigation against my lender.
Product: Money transfer, virtual currency, or money service

Date XX/XX/year> I sent a message to cash app to let them know that someone stole {$200.00} out of my account, and I also gave them the time, XXXX XXXXXXXX name, date. I was told that they could not do anything about it. I sent pictures for proof. 



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

PERSONAL INFORMATION UPDATE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC po box 105069 Atlanta, GA 30348 RE : Social Security Number : XXXX To Whom It May Concern : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name : XXXX XXXX My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows : Name : XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX XXXX XXXX XXXX Enclosed : copy of State ID showing proof of address
Product: Credit reporting or other personal consumer reports

This credit card account account has multiple inaccuracies and missing information that do not align with all three bureaus. This closed account was paid in full as agreed with the amount paid to navy Federal totaling to over {$10000.00}. Attached is an image where I have highlighted every inaccuracy on my credit report. These inaccuracies include Date opened, High credit, Credit limit, Last report Date, Date last active, Date of last payments, as well as missing payment history or recorded payment history that does not match the other bureaus. It is clear that the proper procedures to ensure maximum accuracy were not followed and as a result my credit has been in shambles for years. These inaccuracies on my credit report are direct violations of 15 U.S. Code 1681e - Compliance procedures and this account should be deleted from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I am contacting you as a victim of a data breach that has resulted in unauthorized accounts appearing on my credit report. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate blocking and deletion of the following unauthorized accounts and inquiries from my credit file. 
Unauthorized Accounts XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$8600.00} XXXXXXXX XXXX XXXX XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} XXXX. XXXX - Account # XXXX - Opened XX/XX/XXXX - Balance : {$0.00} Unauthorized Inquiries XXXX. XXXX - Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX - XXXX Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account on XX/XX/XXXX with XXXX/XXXX XXXX, to shop at XXXX XXXX. I never received a hard credit card, just the paper one at the store during checkout. I'd not received an invoice for the {$110.00} I charged. XX/XX/XXXX I began what would be a 2 month odyssey to obtain 1. ) the credit card ; 2. ) the invoice for the balance. I always pay my bills on time, my entire life. I've attempted to locate said company via an email and XXXX ; to no avail. 
Finally, I received notification that it has been sent to collection, or something. 
I want and have attempted to rectify/pay this balance in full, but can not find a way to pay this. 
As mentioned, I've always paid my bills on time and have excellent credit. I want to cancel this credit card AND pay this balance off in full. 
HELP!!!!!!!!! PLEASE!? 

XXXX XXXX XXXX XXXX  XXXX  XXXX, XXXX, MI XXXX XXXX XX/XX/XXXX XXXX : I'm partially deaf therefore, primarily use email for communications.
Product: Debt collection

Dear : Debt Collector I am writing to request a copy of the purchase agreement related to the debt you are attempting to collect from me.

To better understand the validity of this debt and the terms under which it was incurred, I ask that you provide the following : 1. The Original purchase agreement or contract.

2. Details of the terms and conditions 3. Documentation supporting the accounting history including transaction history Please send the requested information within 30 days. I appreciate your cooperation and look forward to your prompt response.

Thank you. 

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

XXXX and XXXX both removed the incorrect data immediately. Experian has taken XXXX filings and XXXX months to still not remove the incorrect data from my credit report. I had to get XXXX involved to write numerous letters getting more and more detailed every time and Experian would still not update or remove the information. This has impacted my credit and cost me thousands with my attorney. Experian needs to be reprimanded and fined or pay me back the money lost trying to get this removed when its counterparts have done reputable business and even their reporting client asked me to file this complaint against them.
Product: Credit card or prepaid card

on three separate occasions I tried to pay milestone the amount I owed. they took the money but then said its an invalid account number. they then proceeded to charge me interest fees and late fees even though they failed to take the payment. when I had the money to pay they didn't take it and now they expect me to pay almost XXXX dollars after I tried to pay them on the correct date. I've called them multiple times about this issue and one time they even accepted it, XXXX out my account and closed my account. after checking back however I see that they reversed that action and are expecting me to pay in full what I tried to pay when I had the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that XXXX XXXX XXXX cease and desist XXXX reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. 
I am requesting that XXXX XXXX XXXXXXXX refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. 
I expect that XXXX XXXX XXXXXXXX will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. 
Please provide written confirmation within XXXX  days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against XXXX XXXX XXXX in accordance with the FCRA and other applicable laws. 
Thank you for your attention to this matter. I trust that XXXX XXXX XXXXXXXX will take immediate action to address my concerns and ensure the accuracy of the information being reported. 
Sincerely, XXXX XXXX
Product: Credit card or prepaid card

They made my account inactive due to a dispute. I clearly made, well no alert no nothing just declined my XXXX out of no where. I call constantly was even asked to fax documents for over a week i sent them no word.. then I finally get thru on the call center they finally received my faxes after they even wanted me to send a format jpg thru a fax which made no sense my proof were all copied and faxed they finally approved it have verification its me and still no n time date stamp of when this may be fixed just a well we will get back to you or I can call. 

Why i have an available balance of just about XXXX .. if they can't reinstatement account clearly noone can communicate they hang up on you after waiting hours for an answer why not just send me a check of my final end balance my card should have never even been shut down let alone dealing with all this.
Product: Credit reporting, credit repair services, or other personal consumer reports

CAINE & WEINER {$230.00} & {$200.00} You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

I challenge the accuracy, compliance and reportability of these listings. The negative marks are inaccurate. There is no contract or valid claimI also contacted original creditor I want these accounts removed immediately or litigation will follow. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.It is against the law to attempt to collect a debt twice ; accounts were settled by my Insurance carrier with original creditors.

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX XXXX ( Original Creditors is XXXX XXXX ) This collection account is reporting as Open and that is illegal and hurting my approval chances. 


XXXX XXXX XXXX Account # XXXX This collection account is also reporting as open and is illegal
Product: Credit reporting or other personal consumer reports

Contacted XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, for reporting and manipulating of my report for inaccurate information continue to update reports as charge with a balance name variation, credit inquires from unknown sources, renewed debts and refusal to remove inaccuracies. Connecting accounts to addresses that dont and have never belonged to me. Refusal to provide the information requested for the requested information for proper investigation. Changing my score without provide information that justifies the continual change in my score by over XXXX points, continuing to mark a charge acvount with a monthly late payment history since XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX De XXXX Equifax XXXX XXXX XXXX  On XX/XX/2023 I submitted a CFPB complaint # XXXX there was multiple inquiries on my consumer report which id like monetary value for since i never authorized. This is a result of identity theft and happened without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The FCRA States that the only data which is factually documented to be physically verified as fully truly, correct, complete, timely reported of a known responsibility and ownership. I would like a physical original document of my signature giving to your company to furnish on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, recently I looked over my credit report and I noticed several inaccuracies on my credit report. This inaccurate account is hurting my ability to obtain good credit. I understand that you investigate these inaccurate items to ensure accuracy.

Here is the item Im asking you to verify as accurate. 

XXXX
Product: Checking or savings account

XXXX XXXX or XX/XX/2019 I called into Paypal to ask them why are they continuing to char.ge my accont for several charges. I demanded to be cancelled on or about XX/XX/2019 permanently. They continued their withdrawals on XX/XX/XXXX and ongoing causing my accont to be negative XXXX.
Product: Credit reporting or other personal consumer reports

I have called and mailed XXXX multiple times and also have been discussing with Simmons Bank my mortgage account # XXXX. XXXX accidentally removed my mortgage from their reporting almost a year ago. My bank Simmons Bank has also been sending XXXX the data to report but they are failing to do so. I've called recently and they requested i send my contact information to approve the reinsertion of Simmons Bank Mortgage account # XXXX. I have provided ( Attached ) a credit report from XXXX showing they where reporting my mortgage before account # XXXX. Also ( Attached ) I have the letter Simmons has sent XXXX time and time again. Furthermore, I have attached my recent XXXX and XXXX Reports showing this account in good standing. I need XXXX to insert this loan and history into my credit file and be fair to me in their reporting. XXXX has recorded calls of me calling about this and we have a paper trail over one year requesting this to happen. Our next step if XXXX doesn't comply is to exercise our rights under FRCA guidelines.