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

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of XXXX XXXX XXXX XXXX which is impacting my ability to sleep, causing problems at my job & creating unwanted XXXX in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I have been trying to close a mortgage with Cross Country mortgage since about XXXX of last year. 
Half of the problem was I needed a co signer, that was corrected and I was told We were approved. 
I can not get a loan decision yes or no from cross country mortgage. I was transferred from loan officer XXXX XXXX to an associate XXXX, to loan officer XXXX, all tried their best but were limited by someone or something. I was then transferred to manager XXXX XXXX, who made it seemed she could handle the situation, she was incorrect. She's been on this a month and made no progress except to aggravate us with missed appointments and phone/text " tag ''. My next call was to the company which is evidently a franchise or similar. I called XXXX and spoke to XXXX, he really did care and got some action from the franchise we are dealing with. He was able to get XXXX at XXXX to call me within 24 hrs!! 

I spoke to XXXX he said he needed time, that was four days ago. There has be no communication since phone, text or email. 

Supposedly we had a rate lock, and a pending approval, however conveniently my appraisal expired as did the current pay stubs. So I had to pay for another appraisal and have hr departments do all the work again! 
So here I am 1.5 months later with no decision, as I understood there were questions from underwriting. No one has communicated the questions to me in any way, email, text, or phone call. To date this year I have not received a loan number Do I need a lawyer?? 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX and XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing against cash app ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate customer 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: 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. 

XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX  XXXX : # XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX, DEPT OF EDUCATION/XXXX  : # XXXX ( This will be all XXXX accounts starting in XXXX ), XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX  XXXX XXXX # 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts has violated my federally protected consumer rights to privacy and confidentially inder 15 USC1681 Account Name XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXX  XXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXXXXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX Bank # XXXX Account Name XXXX XXXX # XXXX Account Name XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXXXXXX # XXXX According to: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 state a consumer reporting agency can not furnish an account with 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 if information, other thatn records of convictions of crimes which antedates the report by more that seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a concusmer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Yesterday on XX/XX/2024 we was a victim of fraud we was trying to rent a property and we send the XXXX XXXX firm {$50.00} for a application fee and then we got accepted and at this point the deposit was to be sent we tried we contacted the bank and discussed with them for over a hour about this company rather is was fake or legit and they told me it was and they released the {$750.00} dollars for the deposit and they told us they was XXXX minutes away from the house with keys and to go ahead and send the rent which was {$970.00}, when bank was called to stop the transaction we was informed that they couldn't stop it because it was withdrawal from a ATM and they would be cooperative when we was told that there was nothing they can do
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is reporting inaccurate late payments for the account XXXX. This is false. The account was closed by Capital One on XX/XX/2019. This is the same time period that a Federal Judge notified Capital One that a Bankruptcy stay was dropped and the case was dismissed. After Capital One was notified by the court that these proceedings ended, Capital One had a legal obligation to notify me of my current balance and a opportunity to pay any delinquency owed. They did not notify me even after a federal judge gave them my updated contact information and notified them that this would not go to bankruptcy. Capital One has violated my rights and has damaged my credit in the process by reporting information that is not true. The employees at Capital One made a mistake and improperly botched my credit score hurting my chances at buying a home. I demand that this item be removed from reporting moving forward. Capital One has had 10 months to properly contact me and settle any balances owed. They failed to properly process this correctly and I should not be held responsible for this.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, mt credit reports on all three show different amounts owed and different remarks. Due to these errors my XXXX XXXX decreased by XXXX points. The oldest age for my student loan account by XXXX XXXX is XXXX  years and XXXX month. There are balances still reporting throughout all three credit bureaus. XXXX XXXX and XXXX are showing different things. Some say closed and some are still opened. This has impacted my XXXX XXXX tremendously and need to be corrected. The student loan company has confirmed That I do not owe a balance
Product: Debt collection

Subject : Dispute of Inaccurate Collection Account Information Dear Sir/Madam, I am writing to dispute the accuracy of the collection account information that has been reported by XXXX XXXX  . The details of the account are as follows : Account Name : XXXX XXXX  Account Number : XXXX XXXX Reported Date : XX/XX/XXXX Current Balance : {$6100.00} Account Status : Closed Date Opened : XXXX XXXX, XXXX Last Reported : XX/XX/XXXX Payment Status : Collection Monthly Payment : {$0.00} Account Type : Other Past Due : {$0.00} Responsibility : Individual Times 30/60/90 Days Late : 0/0/0 Term Duration Months : 0 I would like to bring to your attention the following inaccuracies in the reported information : 1. The account is listed as " Closed '' on XXXX and XXXX, but it is reported as " Open '' on XXXX. This inconsistency raises concerns about the accuracy and reliability of the information provided. 

2. The reported balance of {$6100.00} is incorrect. I have never had any financial dealings with XXXX XXXX, and therefore, I dispute the validity of this debt. 

3. The payment history data is not available for payments from more than 2 years ago. This lack of information makes it difficult for me to verify the accuracy of the reported collection account. 

I request that you investigate these discrepancies and take appropriate action to rectify the inaccuracies in my credit report. As per the Fair Credit Reporting Act ( FCRA ), I expect a prompt response and resolution to this matter within 30 days. 

Please provide me with a written confirmation of the investigation 's progress and the actions taken to correct the inaccuracies. Additionally, I request that you inform me of any changes made to my credit report as a result of this Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and resolve this dispute in a fair and timely manner. Should you require any further information or clarification, please do not hesitate to contact me at the provided contact information. 

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

Someone took my IDENTITY and open up an account online. I called numerous of time to furniture company. They say will call back within 48 hours never call back I sent letters no reply. Company name is AFFIRM I SEMT bureaus numerous of letter stating I dont hear back from furniture company. And still comes back as verified. Now I am asking the bureau XXXX TO SHOW ME HOW IT WAS VERIFIED AND WHAT INFORMATION DID THE FURNITURE COMPANY PROVIDE. TO SAY THAT ACCOUNT IS ACCURATE
Product: Debt collection

I pay all of my bills in a XXXX, as I am working really hard to repair my credit, i do n't know what an {$11.00} bill is doing on my credit report. I have no problem paying it, but can attest to never receiving a bill. 
Please help. 
XXXX XXXX
Product: Credit card or prepaid card

I received a credit card in my name but altered misspelled. A business account that I dont own and the name is misspelled but has my addresses. They are also trying to forward my mail.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Vehicle loan or lease

This civil complaint HAS BEEN filed because federal laws were broken. The defendant owes {$10000.00} for violating my rights under the provisions of the Truth in Lending Act. Valuable information was not disclosed making the contract null and void. A consumer credit transaction was performed which included a Finance Charge. The Finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by a third party such as a down payment and should have included insurance and service. THIS INFORMATION WAS NEVER DISCLOSED. Wells Fargo is not holder in due course of the note, they provided a forged note, failed to provide the accounting of origination of loan, failed to disclose valuable information, and illegally collected a down payment on an extension of credit. They also violated provisions of the Fair Debt Collection Practices Act as well. PURSUANT TO XXXX XXXX I HAVE A RIGHT TO REQUEST FOR ACCOUNTING AND I WAS DENIED THIS RIGHT BY WELLS FARGO XXXX This took place between XX/XX/2022 and present day. The relief Im seeking is {$10000.00} in damages, removal of all encumbrances/liens from property, and cease and desist all collection efforts.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
2 ) In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

3 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXXhas violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
4 ) In accordance with the fair credit reporting act XXXX XXXX XXXX # XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
5 ) In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy.

15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions. 
6 ) In accordance with the fair credit reporting act XXXX XXXX XXXXXXXX has violated my rights 15-U.S.C.1681 Section 602A, States I have the right to privacy. 
15 U.S.C. 1681 Section 604A. Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

the reporting of account # XXXX by XXXX XXXX XXXX on my credit report. I believe the reporting violates the Fair Credit Reporting Act ( FCRA ) due to the following issues : Account Status Inconsistencies : The account is marked as " charged off, '' but it still reflects a past-due balance of {$7600.00}. Under accurate credit reporting, a charged-off account should not simultaneously carry a past-due balance. 
Date Discrepancies : The " status updated '' date ( XX/XX/XXXX ) conflicts with the account 's charge-off date in XX/XX/XXXX, creating misleading and inaccurate reporting. 
Balance Inconsistencies : The balance reported ( {$7600.00} ) does not align with charge-off reporting standards. If the account was charged off and/or sold, the balance should reflect {$0.00}. 
Payment History and Last Payment Date : The last payment date is noted as XX/XX/XXXX, yet this conflicts with the reported status and balance details. 
These errors have caused confusion and potential harm to my credit profile, violating my rights under the FCRA, particularly 605 ( a ), 609 ( a ) ( 1 ), and 611 ( a ) ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft. Fraudulent accounts and unauthorized credit inquiries have been added to my credit report without my consent. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and permanently delete the following fraudulent items from my credit file : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Wells Fargo Dealer Services repossessed my vehicle lawfully. I do not dispute I defaulted on the loan. I am disputing the remaining false balance that remains on my credit report. I called on their recorded line ( I did not record the call, they did ) to pay the balance on my credit report of roughly {$1600.00}. I was told I can not pay the balance because Wells Fargo Dealer Services has discharged the debt and is no longer pursuing the debt. The debt was charged off and discharged with XXXX balance on XX/XX/2020. I was told, on a recorded line, that the debt will show as XXXX balance on my credit report and there is nothing I can do to pay it off. My complaint is that they are still reporting a balance of roughly {$1600.00} and it is hurting my credit score. I have disputed this several times, tried to reach out to the company, wrote letters and still nothing is being done. I want to either pay the balance or remove it from my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a letter to XXXX detailing XXXX discrepancies that I had identified in my credit report. Among these discrepancies, I reported five errors in my credit profile summary, which included a name and address that I have never utilized. 

Additionally, the information provided by XXXX XXXX was both inconsistent and inaccurate. I had communicated with XXXX XXXX regarding XXXX accounts, which had balances of {$3100.00}, {$1500.00}, and {$320.00}, respectively. For each account, I submitted a 1099-A form, which was accepted by the Internal Revenue Service XXXX IRS ) and forwarded to XXXX  XXXX on XX/XX/year>. Furthermore, I sent endorsed securities to XXXX  XXXX on a monthly basis, in compliance with XXXX XXXX XXXX ; however, I did not receive any response from them. I informed both XXXX XXXX and XXXX that their actions constituted a violation of 15 U.S. Code 1681. According to UCC 3-604, this situation may warrant the discharge of the debt. Despite my efforts, both XXXX and XXXX XXXX have disregarded my communications. Consequently, XXXX XXXX has closed all of my accounts and has reported my payments as late, resulting in an increasing balance each month. 

I prepared a report detailing the following amounts : Discover - {$1800.00} ; XXXX  - {$1400.00} ; XXXX  XXXX - {$380.00} ; XXXX XXXX XXXX XXXX XXXX {$20000.00} ; and XXXX  - {$3700.00}. 

XXXX corrected several of the XXXX errors identified ; however, they indicated that upon their investigation which consisted of just submitting inquiries XXXX  XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX maintained that their reporting was accurate. XXXX XXXX, XXXX, XXXX, and XXXX XXXX all closed my accounts and initiated the collections process after receiving notification from the IRS, despite my accounts being in good standing at that time. 

The score on my credit report has rendered it exceedingly difficult for me to secure suitable housing for myself and my son. As a teacher, I am unable to afford the additional costs being requested due to my unacceptable credit score. Currently, I am renting a room in a house, which has necessitated that my son live with others, as I have been unable to obtain approval for an apartment because of my low credit score.
Product: Mortgage

Hello, I had inquired about HARP a while ago. When I found out that it would not benefit me, all of the companies stopped calling but this number continues to call me, XXXX XXXX XXXX XXXX. I am not sure but I believe the company is XXXX XXXX in XXXX, NJ. They left me a voice mail today which included, '' XXXX XXXX XXXX ... I am going to keep calling. '' Please stop them. 

Thanks.
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors 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 records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Included in Dispute : XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/ATLS/FORTIVA MC are reporting to the credit bureaus missed payments. Also they are reporting payments that were made that were never made. The account was reported closed. So im not sure why missed informed information are being reported.