23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Hi, my name is XXXX XXXX and no one is pressuring me to write this complaint. I have been reading up on the law quite a bit and I have found that Credit Solutions Corporation is still reporting to XXXX this alleged debt. Commission. I have written via certified mail and submitted a complaint via CFPB. According to 15 U.S.Code 1692g ( a ) 15 USC 1692g ( a ) 15 U.S.Code 1692g ( b ) 1692g ( b ) - If you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If not this is a violation. 

AFFIDAVIT Notice, it is a fact, on XXXX of 2021, and XX/XX/2021 I, the affiant, have sent a notice of dispute on the validity of this alleged debt to Credit Solutions Corpatrations During this time it is required for all debt collectors to cease all collection activity including any previous furnishing of the dispute information until the dispute is resolved. Affiant has proof in EXHIBIT A attached this debt collector not only did not remove the account, Credit Solutions Corporation did not report a notice of dispute. This is a direct violation of 15 U.S.Code.
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, which violate 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 requirement 's 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: Checking or savings account

I have been getting my child support payments and employment checks via direct deposit through my capital one checking. They have given a statement that they are facing technical issues and should be resolved within XXXX hrs. Its been XXXX days and I still have no access to my checks. I called each day beginning XXXX XXXXXX/XX/year> XX/XX/XXXX and XXXX. I keep getting told the problem should be resolved next day. I have bills that are now past due. My car has been shut off due to non payment and I have no food in the house for my kids. I just started working so waiting XXXX weeks for a check that I will not get to touch is ridiculous. I depended and made promises to other creditors that I would pay by XX/XX/XXXX which now has defaulted.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint regarding a paid collection account listed on my credit report with the following details : Creditor Name : Credit World Services Inc. 
Account Number : XXXX Original Amount : {$170.00} Status : Paid in Full as of XX/XX/XXXX Current Reporting Information : Date Reported : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Last Payment Date : XX/XX/XXXX Status : Paid The credit bureau has recently verified this account as belonging to me and updated certain fields, including the Additional Information, Balance Date, and Status Date following my dispute. While I appreciate their efforts to update the information, I believe that the continued reporting of this account as a derogatory mark is unfair and damaging, given the following reasons : 1. Account Fully Paid for Several Years : This debt was fully resolved on XX/XX/XXXX, over 4 years ago, and the continued reporting of this paid derogatory account unfairly penalizes me for a debt that is no longer relevant to my current financial standing.

2. Impact of Reporting Inaccuracies : Although the account has been marked as XXXX, the updated reporting date of XX/XX/XXXX makes it appear more recent than it truly is. This reporting practice disproportionately impacts my creditworthiness, as the debts age should diminish its effect on my credit score.

3. Fair Credit Reporting Act ( FCRA ) Compliance : Under the FCRA, credit reporting must be accurate, fair, and not misleading. While the technical accuracy of the reporting may be valid, the use of an updated status date and continued derogatory reporting misrepresents the relevance of this account to my financial history. 
4. Request for Goodwill Adjustment Ignored : I have attempted to work with Credit World Services Inc. to request a goodwill adjustment for removing this account from my credit report, but they have been unresponsive.

I respectfully request the CFPBs assistance in : Investigating the continued reporting practices of Credit World Services Inc. regarding paid accounts.

Encouraging the creditor to remove this paid account from my credit report as a goodwill adjustment. 

Attached are supporting documents showing the dispute results, confirmation of the updated Paid status, and the timeline of this account. 

Thank you for your time and assistance. I look forward to your help in resolving this matter so that my credit report accurately reflects my current financial responsibility. 

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

This is in violation of FERPA.I signed a disclosure stating no transactions would be shared with any 3rd parties The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b )
Product: Credit reporting

I have disputed with Experian regarding the accounts on my credit report & they havent remove the negatives accounts thats not mine yet. Im a victim of Identity theft, and Experian is reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX IS VIOLATING THE LAW BUY PRE REPORTING ACCOUNTS BEFIORE THE DUE DATE, AND INACCURATELY REPORTING MY CLOSED ACCOUNT 30 DAYS LATE PREMATURLY. THEY REPORTED I HAVE 11 LATE PAYMENT WHICH IS NOT TRUE.
Product: Mortgage

I refinanced a total of 6 properties with Wells Fargo during my divorce in XXXX XXXXXXXX At time of refinance Wellz Fargo took tax, insurance and XXXX  fees out of the closing costs but failed to make the payment to XXXX XXXX for 2 properties, 3 tax bills and XXXX  fees. Due to nob payment my insurance company dropped my coverage and is refusing to reinstate the insurance policies. I have 3 leins on the properties due to failure to make payment to tax collector and XXXX  fees. I only discovered this when I attempted to file a claim with my Insurance company at my apartment building for sewar damages. Wells FArgo is refusing to help and/or communicate. I have attempted forn2 weeks to get a resolution for all issues.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, XXXX are reporting incorrect information on the account listed as XXXX account number XXXX. The information is not consistent among the credit bureaus which means they have not performed a reasonable investigation into this account. 

Account Status : Open Derogatory Open Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$170000.00} {$170000.00} {$0.00} Payment Status : Unknown Late 60 Days Unknown Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Debt included in or discharged through Bankruptcy  XXXX  XXXX, or XXXX. 
Real Estate Mortgage FHA mortgage Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple complaints that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block these items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. However, I do not receive any responses about the issue I have been complaining and failure for the response may lead to immediate deletion of the said items listed below : XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX Balance : {$4700.00}, XXXX XXXX Balance : {$11000.00}, XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I never authorized Equifax to put a fraud alert on my account. I called and did the verification and they were supposed to remove the fraud alert from my account. They did not. I called again XX/XX/2022 and the agent laughed at me and hung up. Any trace of a fraud alert must be removed immediately.
Product: Checking or savings account

I am XXXX XXXX XXXX and on XXXX fixed income. I have had chase joint account with my husband for a few years. My husband eventually died on thanksgiving last year, XX/XX/2022. 
I notified everyone of his passing as soon as possible and here is where issues started. For some unknown reason Chase, locked up {$2500.00} of my funds, which of course I did not have, overdrawing my account and not allowing me to pay any bills. My daughter landed me the money, which Chase promptly locked up. No amount of calls, letters from XXXX or explanations, that XXXX does not want but {$600.00} of take back after my husbands death are helping. To make matters worse now XXXX stopped paying any money to me since it sees funds on account. Funds i cant use. Its a catch 22. XXXX sees money and wont pay anything and the bank stubbornly keeps a lock on the funds. As of today the bank completely locked all of my assets. Every penny I have even the funds my daughter landed me. 

What do you suppose a little old lady to do? i need that account unlocked! I need my XXXX income restored. I should be allowed to live in peace. 

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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXXXXXX XXXX XXXX {$3400.00} Chargrof XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXXXXXX XX/XX/XXXX {$0.00} Chargeoff XXXX XXXX XXXX XXXX XXXX {>= $1,000,000} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$30000.00} XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$29000.00} XXXX XXXX XXXX XXXX XXXX  {$29000.00} Late/Open
Product: Student loan

Filing under the limited waiver prior ( XXXX ) to the XXXX deadline in XXXX my loans were transferred to Mohela from XXXX as part of the PSLF program. I submitted one form from my employer to certify payment made between XX/XX/XXXX and XX/XX/XXXX. This was ignored and I was told to submit again. I did so. 2 payments were credited to my account. After spending a day on hold I was told that the other payments would appear shortly. In XXXX a message was posted to my account showing that counting of payments had begin. It is almost XX/XX/XXXX. Im still at 2 payments. I dont understand why this is so difficult.
Product: Mortgage

XXXX with XXXX XXXX XXXX for a mortgage loan for a purchase and refinance. What is suppose to be a 45 day close took more than 60 days and still pending. Appraisal itself took a month to complete and was sent out for revision XXXX times. Filed a complaint to the bank to get that sorted out. No one acted with a sense of urgency to help with the client and took several days to review documents causing extensive delays. Even have the audacity to make us pay for the penalty for missing the rate lock deadline. Very very bad communications and customer service experience. The fact that both refinance and purchase loan needs to close at the same time was NEVER discussed to us in the beginning and because of the purchase appraisal holding up, BOTH loan missed the rate lock deadline. Purchase loan was approved but now the refinance loan is holding us up and we were told if the refinance is not approved than the purchase can not be approved. We have already gave them all the documents they need and last minute before closing, they request additional documents that need to be reviewed which is holding up closing.
Product: Credit reporting or other personal consumer reports

This is not an error. I am sending my formal notice that fraudulent applications have been done using my name without my knowledge. All this information has been reported to the FTC and is currently under investigation.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many attempts to dispute the Inquiries that is reporting on my Credit File ( Equifax and XXXX  ). These inquiries was not authorized by me. These inquiries was a result of fraud. Please assist me in getting them removed from my XXXX  and Equifax.

Equifax : XXXX XXXX ( 2 times ) and XXXX  XXXX  : XXXX XXXX ( 2 times ), XXXX XXXX, XXXX ( 2 times ), XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX should not be reporting to XXXX  ; XXXX  and Transunion that I am ( 90-120 ) days late on the XXXX  XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I was granted payment arrangements on this account via the CARES Act. XXXX  XXXX XXXX agreed to the terms of the payment arrangements and assured me that this account would not be in jeopardy under our agreement. I was also told that no late payments would report. XXXX  XXXX XXXX did not honor our agreement and consequently they reported this account to the bureaus as being late. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of lates is seriously harming my credit score and these lates need to be removed. I have contacted XXXX  XXXX XXXX as well as the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have recently noticed fraudulent activity on my credit reports. What I have found ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has led me to believe I am a victim of identity theft, as I did not approve any info to be used in my name.. I am requesting that these fraudulent items be deleted from my credit report at your earliest convenience. I actually have a security freeze on my accounts which should have alerted me prior to my credit being ran. I did not receive any alert to my credit being ran for these accounts which is concerning. These fraudulent items are reporting inaccuracies which is directly impacting my relationships with creditors as I am going through the home buying process. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a XXXX document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this account with XXXX, TransUnion, and XXXX via USPS certified mail. 

I also sent 2 debt validation requests via USPS certified mail to XXXX XXXX XXXX on XX/XX/2022, and XX/XX/2022. XXXX XXXX XXXX ignored my request for debt validation and failed to respond in over 60 days. I dont even have an account with whom they say the original creditor is or a similar dollar amount of {$600.00} on any of my credit reports. This is why I wrote to XXXX XXXX XXXX directly to validate the debt in the first place. 

XXXX completed their investigation and deleted the account from my credit report. 

Both XXXX and TransUnion verified and or updated the account as accurate however they didnt actually verify it and they are continuing to report it on my credit report. By their continuous reporting of an unknown and or unverified account, they are in violation of the FDCPA. 

This is continuing further collection activity which is also a violation of the FDCPA.
Product: Money transfer, virtual currency, or money service

I have tried to transfer money from my PNC account to my XXXX  account and it wont let me because it said something about the bank not allowing you I dont see the point in having PNC as an option to transfer money when youre not even able to transfer any form of funds in the first place
Product: Credit reporting

I started disputing information on my credit reports with the Equifax, XXXX and XXXX XX/XX/2016 for myself and my husband. I specifically sent certified letters disputing specific inaccurate information and asking them to validate the debt. At the time they were reporting ( see below ) the listed XXXX accounts that were on both of our reports through Equifax, XXXX and XXXX which list the accounts as Joint liability. 
XXXX - Account # XXXX ( charge-off ) XXXX - Account # XXXX ( foreclosure ) XXXX XXXX XXXX XXXX - Account # XXXX ( leased equipment ) After several rounds of certified letters to them, they REMOVED all XXXX accounts from my husband 's report XX/XX/2016 but claimed to have VERIFIED and will not delete from my file. I find this impossible and clearly they could n't have verified and removed from my husband 's credit report but verified and kept mine. Same debt, joint liability. I have tried talking with them to no avail. They also failed to mark the dispute comments on my file within the 30 day period. This is clearly a violation of FCRA. About 2 weeks ago XXXX and XXXX followed suit and removed the charge off account from his account but not mine. ( XXXX XXXX was only listed with Equifax )
Product: Credit reporting or other personal consumer reports

I am a victim of ID theft and Equifax will not remove this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate account number on this paid charge off, according to the FCRA all information reported must be accurate across all 3 credit reports in order for it to stay on the credit report. Since this charge off has been paid it needs to be removed from all 3 credit reports
Product: Debt collection

In XX/XX/XXXX I pulled all 3 copies of my credit reports. I noticed two ( 2 ) accounts from The Bureaus and Bureaus Investment Group Portfolio NO 15 LLC. In XX/XX/XXXX I disputed the two ( 2 ) accounts with all 3 credit bureaus. In XX/XX/XXXX, all 3 credit bureaus came back as verified. I never received a dunning letter from The Bureaus or Bureaus Investement Group Portfolio NO 15 LLC about the two ( 2 ) alleged accounts. I was not notified within 30 days of them placing negative information into my credit file. On XX/XX/XXXX, I sent a certified letter to The Bureaus specifically stating I needed validation of alleged accounts. ( Letter enclosed ) On XX/XX/XXXX I received correspondence from The Bureaus with a generic Bill of Sale and a bank statement. However, I only received response to 1 alleged account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue is aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transaction.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this personal statement is being written by me. By the Fair Credit Reporting Act ( FCRA ), the accounts listed in this report should not be furnished on my reports. According to FCRA section 604F, prohibits a person/company from using or obtaining a consumer report unless the consumer uses the report, and it is obtained for a purpose for which the consumer report is authorized to be furnished. FCRA section 1681-S states, that a company/person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing the information is inaccurate. Lastly, 15 USC 1681-4 consumer report agencies have to resume having a vital role in assembling and reevaluating consumer credit periods there is a major need to ensure that reporting agencies exercise their grave responsibility with respect for the consumers right to privacy. I demand the removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX