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

I submitted a dispute to have account removed from my credit report and all negative information associated with the account. I requested this on XX/XX/2022 under the debt bondage repair act as I am a XXXXXXXX XXXX XXXX. I submitted my dispute via XXXX XXXX and it lost as under review this is beyond the allotted timeframe the agency has to remove the information according to law. A consumer reporting agency must block adverse information within four business days of receiving a consumers submission.

A consumer reporting agency must notify the consumer within five business days of receiving a consumers submission if additional information is necessary to complete the submission or if any of the required documentation is missing. 
Consumer reporting agency requests regarding additional or missing information are limited to situations where : the consumer reporting agency can not reasonably confirm the consumers ( or consumer representatives ) appropriate proof of identity ; the consumer did not provide a victim determination ; or the consumer reporting agency can not properly identify the adverse items of information. 
A consumer reporting agency does not have discretion to challenge a consumers determination that an adverse item of 1022.142 ( e ) ( 1 ) They did not reach out to me within 5 days nor did they remove the information within 4 days so I could move on to my other disputes one at a time. This is a direct violation of my rights as a XXXX XXXX XXXXXXXX and consumer and federal law. I want this information removed so I may continue my other disputes and regain my freedom and life.
Product: Debt collection

Credit acceptance reported the account in a collection status in XX/XX/XXXX and XX/XX/XXXX they started reporting this as an open account, and stated I was missing payment. They have not provided anything to me regarding this account and I am requesting it be removed from my credit.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair Practices violating the Consumer Financial Protection Act ( CFPA ). 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 ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

I am on the line with J.P. Morgan Clearing Corp. located at XXXX XXXX XXXX, XXXX, N.Y. XXXX ( ph # XXXX ). I have asked them for information related to when my loan entered the XXXX XXXX XXXX Trust and if they are able to locate my loan in the specific pool that XXXX XXXX claims it is in ( pool # XXXX ). In XX/XX/XXXX XXXX XXXX executed an assignment naming EMC Mortgage Corp. as beneficiary. However, EMC Mortgage Corp. claimed they never had interest and never were a beneficiary. Now XXXX XXXX claims that XXXX XXXX is the beneficiary for the XXXX XXXX XXXX Trust. Under XXXX XXXX XXXX Trustee for a trust can not be a beneficiary. After EMCs and XXXX XXXX admittance in court that they were never the beneficiary, XXXX XXXX did another assignment for EMC Mortgage Corp as their attorney in fact, making an assignment to XXXX XXXX as Beneficiary for the XXXX XXXX XXXX Trust. ( EMC Mortgage Corp. has been non existent for years before this new assignment made by XXXX XXXX as attorney in fact for EMC ). I have been given anything and everything but the truth and the entities I am dealing with only know how to re-create and/or fabricate documents to make their story appear legitimate. Through their deceptive doings, I have been railroaded in all directions in dealing with the true party of interest and going to face to face meetings under the foreclosure statutes in my state. Monies I paid into the court registry faithfully were returned to me due to false entities appearing as the beneficiary. I have paid approx. $ 200K direct to XXXX XXXX since XX/XX/XXXX. The majority of those funds paid were after my Chapter XXXX BK in XX/XX/XXXX where I was no longer a legal obligor, as the loan was never re-affirmed. In good faith I paid approx. $ 150K direct to XXXX XXXX after my BK discharge. I want to know what XXXX XXXX did with those payments as they claim they sold the loan on the secondary market in XX/XX/XXXX. I have never had any other statements or notifications from any other entity but XXXX XXXX. My call is coming to an end. XXXX took my call and put me on hold and talked to the higher ups he said and they are not able to find my loan anywhere tied to the trust. That is the answer I just received! Why is this so difficult? Is it because the note and DOT are no longer the security instruments and they have been converted to pass thru certificates earning money on the inside and then the note and mortgage remain on the outside? Something once again just does not add up. It never has. Thank you.
Product: Debt collection

I was paying my debt on time but paying extra. I wanted the extra to go toward the principle. Anyway they did that and that changed my next do date without me knowing. Then the calls started XXXX at night and after speaking to someone they called XXXX that morning. After paying XXXX the next morning.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confident..lity under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
I looked at my Experian credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to 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 repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX  XXXX  Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX  Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX XXXX there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
Account XXXX : XXXX Please remove it from my credit report.
Product: Mortgage

From  XXXX  to  XXXX  of  XXXX ,  Borrower  made timely payments on his mortgage loan of {$150000.00}. In  XXXX , Borrower lost his normal monthly income when he was undergoing treatment for  XXXX   XXXX   XXXX   XXXX . When he realize d he could no longer make monthly payments, he submitted a comprehensive package of financial, medical, and tax documents, exactly as prescribed by Lender, requesting a temporary forbearance on monthly payments. The Lender failed to communicate effectively with the Borrower, despite numerous telephone calls attempting to speak to an employee with adequate training that would enable them to understand the facts of the situation. Several Lender clerical-level workers communicated with Borrower suggesting refinancing, a solution totally inconsistent with Borrowers medical circumstances, income outlook, and posture of being under a tax lien. Borrower wanted to discuss a deed-in-lieu of foreclosure as it relates to a federal tax lien. However, no one with sufficient knowledge of either DIL or liens would contact Borrower by telepho ne. In  XXXX   XXXX , afte r four payments were missed, Lender filed foreclosure papers in court. It is maddening that no one from Lender, with appropriate experience and authority, will contact Borrower as requested ; no one from Lender acknowledged the facts presented in the forbearance application in fashioning foreclosure alternatives ; and that Lender essentially behaved as if they were a computer program, spitting out notices to Borrower following a sequence of steps that were heedless of Borrowers circumstances.
Product: Credit reporting or other personal consumer reports

I haven't been able to sign in to MyEquifax for a few months now. 
Every time I do try, I give them my information to reset my password. However, each time I try it tells me the request can not be completed at this time. 
I called to try to resolve the issue, they sent me a link and told me it was fixed. I'm still having the same problem. 
I can't access my account no matter how much help I try to get.
Product: Payday loan, title loan, or personal loan

Was given 2 different quotes on loan. They ended up giving a more expensive payment plan.. I asked if I can think and would call them back each time was different. When I called to ask about I was told a completely different payment option they said I should have taken the first option I was quoted. Everytime I called I've gotten different people and have no idea what is going on. I 3lectronicly signed during email but 8 signed into account to see the contract was not what I thought loan and payments were
Product: Debt collection

My minor child was seen in an emergency room visit and on the date of service the emergency room admitting person was provided with medical insurance cards including an active no copayment XXXX account card. According to what I have been told despite repeatedly giving them the information by phone and in writing in addition to having provided the information at the time of service they have not properly billed XXXX  and continue to harass me and forward my information to debt collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 


Remove these items ASAP : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, CA XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$8400.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1000.00} XXXX ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$13000.00} XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX from General Revenue Corporation has called my place of work three times. On the third time, I picked up. I told them that this was a XXXX phone line and he can not call this number. He said : " I am well aware this is a XXXX phone line. '' So I hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiri

es 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.
Product: Credit reporting or other personal consumer reports

I need to re-document and refile this grumbling to PROCOLLECT , INC . I kept in touch with them the errors of my credit report including dates of last payment, dates opened, payment history, and account status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My rights have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Product: Mortgage

Several years ago I refinanced my mortgage loan to pay off my school loans. When I did so, I was assured the flood insurance would be the same as the the loan I initially had my loan thru. In the refinance process they sold my loan to BB & T assuring me the flood insurance requirement would be handled as it had previously, that being I would pay for flood insurance on the outstanding principal of my loan. My house is assessed for taxes at {$78000.00}. Resale value is between {$80000.00} and {$85000.00}. My refinanced mortgage balance is {$45000.00}. BB & T is assessing my flood insurance on {$110000.00}. I contacted them several time and received no satisfaction. I was told the rules set forth by the National Flood Insurance Refort Act of 1994 is a standard, not a law, and the bank is not required to follow it, that they make their own rules. I feel this practice is unfair and deceptive.
Product: Debt collection

Viking Client Services ( XXXX XXXX XXXX ) has violated FDCPA in multiple ways : - They contacted my employer more than once, on XXXX/XXXX/2017 and on XXXX/XXXX/2017 - They contacted a relative and left a message, then disclosed that they are attempting collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX was removed from experian for XXXXmonths and recently was reinserted without any notification I waited a month and I was n't giving any notification and experian still have n't remove the account under FRCA an account can not be reinserted without giving five to 15days motivation
Product: Vehicle loan or lease

I leased a car for 36 months from American Honda Finance in XXXX. 
All of the payments were made on time, and the vehicle was reported in satisfactory condition upon return, with no excess mileage, wear or damage.. 
The vehicle was returned at lease end in XXXX with a zero balance due. 
American Honda Finance later claimed in my credit report that I had an outstanding balance and the account # XXXX had been charged-off in XX/XX/XXXX. 
American Honda Finance again for the second time, claimed a second repetitive charge-off for the same amount on the same account in XXXX of XXXX, even though they previously claimed the account was closed and charged-off in XXXX of XXXX. I believe a new identical charge-off began when a new account was opened with Honda Financial Services in XXXX. 
I believe Honda Financial Services and American Honda Finance has acted maliciously, which has lowered my credit score continuously and repetitively. 
How can a closed account be closed and charged-off twice? A year and a half between charge-offs for the same amount on the same account for the same vehicle?
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted several disputes regarding the account XXXX XXXX XXXX, account number XXXX, with XXXX XXXX TRANSUNION XXXX & XXXX XXXX Ive submitted in detail how those late payments violate my rights as a consumer, according the FCRA. Yet, each time a dispute is opened, directly with the credit agencies, it takes them less than 3 days to do an investigation. NOT only that, but the information being reported isnt accurate. They have late payments reported different for each CRA. Attached below. I would like written documentation, PROOF, on how these investigations took place, and were reported updated. These late payments need to be reversed immediately. If no WRITTEN PROOF, on how the investigation took place, and each CRA verified that information, within the next 30 days, these payments need to be reversed. They violate 15 U.S. Code 6802 section ( b ) OPT OUT 15 U.S. Code 1681 ( d ) Consumer Report 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I've attempted to send a dispute letter to the company with the address shown on my credit report. Letter was sent XXXX XXXX by certified mail and sent back with a " return to sender insufficient address unable to forward '' stamp. The amount is for {$59.00} with date assigned of XXXX XXXX.
Product: Debt collection

I have reached out to Navient in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to request proof that this debt is mine. I have requested the signed agreement showing I am the account holder liable for the debt. They do not respond and have yet to furnish the proof.
Product: Checking or savings account

XXXX.App by Remitly closed a prepaid debit card account I opened with them. They closed my account shortly after I deposited {$580.00} onto the account. They refused to co-operate and refused to give me an accurate date of when I would be receiving the refund of my money I deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased XXXX XXXX XXXX XXXX basic car no power windows automatic doors bought the car XX/XX/XXXX from XXXX XXXX my contract said {$17000.00} it was fianc through XXXX XXXX I started paying XXXXXXXX XXXX XXXX XXXX  {$460.00} I paid them XXXX payments of {$460.00} total {$18000.00} I had an accident XX/XX/XXXX car was total out I was hit XXXX times in the rear by XXXX truck the car was total out XXXX XXXX XXXX told me to get the payoff on the car XXXX XXXX told me I owed {$17000.00} more on the car I ask them what was they talking about I had never heard that the car costed {$35000.00} XXXX XXXX gave me {$9200.00} I gave that to XXXX XXXX total I paid them {$27000.00} I also had Gap Insurance they paid them I kept the car to try to sell parts from the car I had just bought me tires XXXX  month before the accident thinking they would give me the Pinkslip to the car which they didnt I told them they could pick the car up I called XXXX XXXX XXXX they said this company XXXX XXXX had multiple lawsuits against them for overcharging Customers and XXXX XXXX also so they went out of business XXXX
Product: Debt collection

Account Reporting on my credit reports and I dont know what it is- I have attempted to solve this issue with the creditor with no response
Product: Credit reporting, credit repair services, or other personal consumer reports

This is an invalid account- I have asked several times for information from Convergent supporting the validity of this debt and they have refused to give me demographics, dates of account open/close, signature to contract with original creditor, date of expiration, payments made to account and more importantly, my identification documents associated with this account. I would like this removed from my credit- this is the third time I have disputed with XXXX and next I will have to file for consumers assistance with credit reporting agency. I would like Date of account open Address associated with account Name on account Social Sec number associated w account Payments made to account Identification associated with account Contract signed/dated on account Date account expires off credit report Detailed explanation of account charges If you can not provide these than it is my right to ask for removal of this account from my credit report. Thank you for your time!
Product: Credit reporting or other personal consumer reports

Hello my XXXX account has been wrongfully permanently disabled/banned for no reason it is my main income source and i had over XXXX followers on my account and now its gone