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

In accordance with the Fair Credit Reporting Act. The list of account have violated my Federally protected Consumer Rights and privacy and confidentiality under the ( 15-U.S.C-1681 ) . 
XXXX.ALDOUS AND ASSOCIATES, PLLC- no account ever issued. 
XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX. Account # XXXX Late payments XXXX XXXX - XXXX Closed XX/XX/XXXX no account # because it is fraud. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX -FRAUD not responsible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD Not responsible XXXX XXXX XXXX XXXX, VA XXXX USA ( XXXX ) XXXX XXXX XXXX XXXX XXXX- FRAUD NOT MINE XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX NXXXX XXXX inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Reference # Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount XXXX 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 that a consumer reporting agency can not furnish an account with out my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer ; 15 U.S.C 1681 s2 ( 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: Mortgage

I was contacted ( unsolicited ) by XXXX XXXX who claimed to be representing my mortgage loan servicer " Freedom Mortgage '' about refinancing at a much lower rate. I told him to send me information via email since I did not want to agree to anything over the phone. The email he sent from had a domain name XXXX, which does not appear to be affiliated with Freedom Mortgage. This appears to be an attempt to gather personal information. 

When I received the " documents '' to sign, I was asked to " login '' using only my State, First and Last name. No account setup at all nor was I directed to logon to " Freedom Mortgage 's web site. The person contacting me also did not have access to send me a message within the Freedom Mortgage site, which is a strong indication that it is a scam. 

Please post and share that cold calls for a refinance are nearly 100 % a scam and should not be entertained.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was stolen back in 2009 and someone use my information to open a school loan
Product: Payday loan, title loan, or personal loan

I sold my house and a Pnc XXXX XXXX XXXX was to be paid in full. This was included in my XXXX decree. XXXX XXXX XXXX submitted the payment for the loan to be paid off the date we sold the house XXXX XXXX, 2021 in the amount of XXXX check number XXXX which was received by pnc. I have made multiple calls spending many hours on the phone with them and getting nowhere. It was on an automatic withdrawal on the XXXX of each month. They charged me last month with a fee because the money wasn't in there but they did reverse it so now it's probably going to happen again.
Product: Credit reporting

Sometime in XXXX 2015 I disputed a negative item on my credit report ( trans union ) pertaining a lien filed against me, before this dispute i contacted the federal XXXX Lien Office and XXXX XXXX Clerk as well. The XXXX XXXX Lien Office provided me with a XXXX XXXX Lien Withdraw letter with docket # ending with XXXX and also serial # ending XXXX. On trans union their docket ending with XXXX Registry XXXX and for New York XXXX XXXX Docket # ending with XXXX is the wrong information concerning docket 's of XXXX XXXX clerk 's office of the NY XXXX XXXX Lien and as well as XXXX XXXX Lien. Please have these information removed from my credit report as missed information by law and policy. 
Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has gotten a hold of my information and opened an account with 1. XXXX XXXX XXXX XXXX acct # XXXX. There were also accounts attempted to be opened as well and there are unauthorized inquiries they are : XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. I have attached the report for id theft with the ftc for you to review as the instructions stated.
Product: Money transfer, virtual currency, or money service

This was back in XXXX time frame I was sent an email from cashapp stating that we needed to send money to an account to get our money back that we had already sent money to which was XXXX dollars, I had just gotten married and my wife and I were scammed out of XXXX dollars due to this scam we lost out on a months worth of rent. Cashapp needs a proper response to getting users lik myself help from scams and such. They have no help lines or anything
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2023 THERE WAS AN INQUIRY ON MY CREDIT REPORT ACROSS ALL 3 CREDIT BUEARUS ( EQUIFAX, XXXX AND XXXX ) FROM AN " EQUIFAX MORTGAGE SERVICES '' COMPANY. I DO NOT RECOGNIZE THIS INQUIRY AND WOULD LIKE FOR IT TO BE REMOVED. I HAVE ALREADY TRIED TO SOLVE THE PROBLEM WITH THE COMPANY. 

THE INQUIRY WAS UNAUTHORIZED AND I NEED IT TO BE REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX  notifies me 21 days before my due date to make a payment. Please provide me with a copy of the creditors payment ledger supporting your claim that I was ever late on account XXXX XXXX XXXX bank account ( # XXXX ) ( XX/XX/XXXX ) XXXX XXXX bank account ( # XXXX ) ( XX/XX/XXXX ) ( XXXX XXXX ) XXXX XXXX ( account # XXXX ) ( XX/XX/XXXX ) As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated. Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed unauthorized inquiries on my credit report with Experian. I have a inquiry from XXXX XXXX that I do not recognize. I did not make this charge therefore it must be removed.
Product: Credit card or prepaid card

-- XX/XX/2022 I made payment by telephone ( automated payment ) to Capitol 1 Silver CC to pay off total balance $ XXXXThere was no indication of any problem and received a confirmation number. 
-- XX/XX/XXXX, my bank statement reflected a transaction XXXX XXXX XXXXXXXX XXXX' for {$5400.00} -- XX/XX/XXXX, a past due fee was charged. {$40.00}. Payment due date is XXXX of the month. 
-- Approximately the XXXX I started receiving text messages about declined purchases. 
-- XX/XX/XXXX, I contacted a customer service agent to find out about the declined purchases ; he said the {$5400.00} payment was returned by my bank. I told him funds were available so I used my bank debit card to make a payment for the new amount, {$5600.00}. He gave me a confirmation number. The agent advised me he could not refund the past due fee. 
-- XX/XX/XXXX, interest was charged for {$110.00}. 
-- XX/XX/XXXX, I called my bank for information and was told Capitol One was taking the payment from my savings account. I've never used my savings account for payments. 
In addition, I made making monthly automatic payments to Capitol 1 always using my checking account. 
-- Approximately XX/XX/XXXX, I called customer service and spoke with a XXXX XXXX agent ID # XXXX. I explained the problem, he researched and told me the {$5600.00} was also returned by my bank. I asked him were they using my savings or checking account for payment. There was a lot of back and forth about which account they used, and he would not give me a straight answer.. He also said some nonsense about the payment couldn't be done because of my spending limit? That made no sense to me so I said I would make a smaller payment.of {$3000.00}. Again he said something about my spending limit and would not accept payment. Finally he said my only option was to make payment using my bank routing and account information. I was not comfortable with that but wanted the issue resolved. Payment was made, confirmation # XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX I intend the dispute this account : CONSERVE : {$3700.00} Account # : XXXX I reached out to XXXX XXXX College as well as the conserve collection institution for sending an invoice for {$3700.00} several months after dropping the college courses. I did not receive the college education and dropped the courses. 
No invoice or payment notification was mailed to my address Prior to sending to collections. 
If the above accounts can not be verified, they must be removed immediately according FCRA section 609 & 611. If your company fails to comply, you will be required to appear in a court venue. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company. 
Please validate that this debt belongs to me, and please also show me the original contract agreement. I would also like to know the verification methods on the possible account as well.
Product: Mortgage

I tried to pay the escrow shortage for my mortgage in XX/XX/2022 and the payment coupon from the bank had an incorrect address. I ended up putting a stop payment on the first check, sending a second payment to a different address. The bank charged me for a bounced check ( after they tried to cash both checks ) and they have not corrected what my mortgage payment should be on my monthly statements even though when I call them, a bank representative tells me that they have adjusted my mortgage in their system.
Product: Credit reporting or other personal consumer reports

As of XX/XX/year> : My creditwise report reflects a Credit Alert of Delinquent Account Reported By Experian XXXXXXXX XXXX XXXXXXXX I called the lender XXXXXXXX XXXX XXXXXXXX who confirmed that in fact the account has been paid in full, it is in good standing and contested fees in the amount of {$40.00} will be credited to my account as of XX/XX/year>.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX po box XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing to you to update my personal information. 

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 consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1.My Full Legal name : XXXX XXXX 2.My Address : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do 1 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, AL XXXX Sincerely XXXX XXXX
Product: Debt collection

Account was sent to collections ( National Credit Adjusters ), account was sold to XXXX XXXX XXXX. Account was paid, neither NCA or XXXX will report information to credit repositories. Disputed account with supporting documentation ( receipt from XXXX ) and NCA still reporting account unpaid - been 60 plus days and disputed account and NCA does not own account - sold to XXXX and is paid. Serious Violations of FCRA. ( did not receive right-to-dispute from XXXX and NCA not deleting account on credit report and acting as unaffiliated third party.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to or benefit from the following information : XXXX, XXXX, & Experian listed on my consumer report, block or remove the following account XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX, Under 15 U.S. Code 1681 a ( 2 ) ( B ) Exclusions from a consumer report this account is in violation, any credit transaction is supposed to be excluded from a consumer credit report, if a social security card was used in the transaction. Additionally, under 15 U.S Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report and no consent is FRAUD! If the account is investigated and your results comeback as verified or accurate, understand that under the exclusion section youre not supposed to include factual information and theyre supposed to interview my neighbors, friends, or associates. If the account is not removed you are civilly liable for reporting the information and its also inaccurate.
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 customer 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 seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My XXXX, XXXX and Equifax credit report inaccurately reflects my personal identity, address, and includes incorrect negative remarks. I have only resided at one address. As an XXXX XXXX member of the XXXX XXXX, these errors have caused significant issues in my life, affecting my ability to obtain credit and impacting other aspects of my personal and financial wellbeing. 

According to the Fair Credit Reporting Act ( FCRA ) and the Privacy Act of 1974, my credit report should reflect only accurate information, including a credit score of XXXX and a credit limit of {$250000.00}, along with all positive information. The errors in my report are a direct violation of my rights under these laws. 

If these issues are not corrected in a timely manner, I am prepared to pursue legal action, including filing a lawsuit, to ensure compliance with federal laws and to protect my rights to privacy and accuracy in credit reporting.
Product: Credit reporting or other personal consumer reports

I still see that my information is being mishandled and inaccurately reported, prompting me to refile this complaint with WELLS FARGO BANK. Upon reviewing my credit report dated XX/XX/2024, I discovered a derogatory entries that I were previously unaware of, containing inaccurate details such as payment history, status, opened date, and date of last activity. In accordance with 15 U.S.C. Section 602 and 15 U.S.C.

Section 604 A Section 2, I wish to assert my right to privacy. It is emphasized that a consumer reporting agency is not permitted to disclose an account without my explicit written instructions. I have attached the FTC report with report number XXXX to support this complaint.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX  regarding their failure to address and investigate inaccuracies in reporting on my Equifax, and XXXX credit reports. On XX/XX/XXXX, I sent a dispute letter to XXXX XXXX, disputing how this account is being reported on my credit reports. 

XXXX XXXX  responded on XX/XX/XXXX, stating that the account is reporting accurately. However, upon reviewing my credit reports, it is evident that the account is reporting inaccurately and with incomplete information. In response to XXXX XXXX  's inadequate resolution, on XX/XX/XXXX, I sent another dispute letter to XXXX XXXX, requesting a thorough investigation into the inaccurate reporting of this account on XXXX and Equifax credit report. 

The account in question was included in a Bankruptcy XXXX and should not be reporting negatively. Despite all payments being made on time according to my payment history, XXXX XXXX  has failed to update the reporting on my credit reports accordingly. 

From Equifax, it is apparent that payments were made on time from XX/XX/XXXX to XX/XX/XXXX. XXXX shows only one on-time payment in XX/XX/XXXX, with no data available before or after that date. XXXX is not reporting any payment history at all. Additionally, there are discrepancies in the payment status reported by each credit bureau XXXX is reporting as " unrated '' or " bankruptcy, '' XXXX is reporting as " current, '' and Equifax is reporting as " Included on Bankruptcy. '' In both dispute letters, I explicitly requested XXXX XXXX  to provide specific details about the account, including the type of account, scheduled payment amount, credit limit, high balance, date of last payment, payment status, and date of account closure. However, I have not received any response from XXXX XXXX. 

On XX/XX/XXXX, I sent another dispute letter to XXXX XXXX, urging them to rectify the inaccurate reporting of this account. According to the FCRA, creditors are required to conduct a reasonable reinvestigation upon receiving a dispute from a consumer. However, XXXX XXXX  has failed to fulfill this obligation, thus violating my consumer rights under the FCRA. 

Therefore, I am requesting the CFPB to intervene in this matter, conduct a thorough investigation into XXXX XXXX  's handling of my dispute, and take appropriate action to ensure compliance with the FCRA. I urge the CFPB to hold XXXX XXXX  accountable for its failure to investigate and correct the inaccuracies in reporting on my credit reports.
Product: Vehicle loan or lease

I traded my XXXX in for a new XXXX XXXX never used leftover because it was a XXXX XXXX XXXX XXXX speed  so nobody wanted they wanted XXXX  at XXXX XXXX on XXXX the problem is they added my repair loan for my XXXX repair into loan then the rate went up to XXXX instead of what I thought XXXX so I would brought it back but they sold my XXXX I tried to refinance my car loan with no luck because its a 2017 and over payed Im into one year of loan and they said they would refinance my car loan around 10-11 months then they lied saying state banking as of XXXX I purchased car in XXXX wont allow us to refinance auto loan anymore I called state banking they said not true so I need help to lower my loan also XXXX has false credit stuff on my report bringing my score down and they arent in America anymore help XXXX XXXX
Product: Debt collection

On XX/XX/XXXX I was notified that a collection had been placed on my account. Upon review, I saw that the collection was placed by XXXX XXXX in the amount of {$5.00} for a medical bill from XXXX XXXX. I immediately contacted XXXX XXXX and the representative informed me that the collection was for medical services provided on XX/XX/XXXX. I informed the representative that this bill had been paid and that I had 100 % coverage through Medi-Cal for the entire year of XXXX, and that I confirmed with a county Medi-Cal services representative that all medical bills during that period were covered and should not be billed to me. However, the XXXX XXXX representative continued to pressure me for payment and informed me that this debt would remain on my credit report, despite it being paid. Additionally, the XXXX XXXX representative informed me that they were billing me a total of {$340.00} for medical debts incurred by other members of my family. I informed the representative that these debts were also covered and paid by Medi-Cal, yet she continued to pressure me for payment.
Product: Debt collection

Systems and Services Technologies ( SST ) has a personal loan of mine that transferred from XXXX XXXX. I entered into a long term assistance program back in XX/XX/year> and the agreed terms were a $ XXXX monthly payment with a lower interest rate. I have made those payments every month since then yet they have not updated my account to reflect current. They reported my account past due over 120 days and my credit score has taken a huge hit as it shows Im delinquent. I have called in the past 6 months almost every week for an update and have resolved nothing. I need help please. Thank you.
Product: Vehicle loan or lease

Additional {$500.00} payment was credited to future interest instead of reducing principal I tried to contact them to properly apply the payment, but : Their website provides a telephone number that always gives messages to try again later I sent a secure e-mail to the address on their website but received no response I sent a letter to the address on their website but received no response