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

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666N : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for a purpose.
Product: Money transfer, virtual currency, or money service

I'm filing out a complaint against cash app ( block , Inc ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Cash app failed to take timely and effective measures to prevent and adress fraud on their platform, leaving my account vulnerable and unprotected which is unprofessional. 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 regulations E. These actions have caused financial loss an emotional damage. I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent dispute letters against the Credit Bureaus requesting that the XXXXredit Bureuas correct my Credit File from erroneous information by updating, correcting, and removing the misleading information beinf reported on my Credit File. I have read that under the Fair Credit reporting Act, 15USC sections 1581i, the Credit Reporting Agencies are obliged to conduct and finish their investigation within 30 days, the time allowed by XXXX, or otherwise, the Credit Bureaus will be subject to investigation. On XX/XX/2022, I sent another Dispute letter to the Credit Bureaus requesting them to either correct or remove he erroneous accounts reporting on my credit file. As of now, I am submitting this CFPB complaint to remind the Credit Bureuas of my disputes and requests. Once again, I need the following erroneous accounts corrected and or removed from my Credit File as soon as possible : XXXX XXXX  XXXX Balance Owed : {$700.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$22.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

The account should have been paid off by my insurance policy
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1900.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Debt collection

I recently looked at my consumer report and I seen an item that is not mines according to me being a victim of identity theft this is not suppose to be reporting to my credit report I did not give this person Consent to report to my consumer report or did they notify me of the item
Product: Mortgage

Because I am in an active Chapter XXXX Bankruptcy, XXXX XXXX XXXX seems to ignore and do not comply with my request and my attorney consent letter. Just in 2018, I have asked on several occasions by calling ( XXXX ) and asked for the lender name for my mortgage loan, verification and history of payments. I have waited over a week for the requested documents and no documents were sent to me. I called back and was read the Attorney Consent letter but still I have not received the requested documents. I am trying to refinance and every time I start the process XXXX XXXX helps me lose out on refinance opportunities.
Product: Mortgage

I fell behind on my mortgage by XXXX payments last year and into this. Late last month I called Wells Fargo and agreed to make XXXX payments in bulk, which they accepted. At the time, Wells Fargo wanted to schedule automatic debits to cover XXXX, 2015 and XXXX, 2015 to which I agreed. However, Wells Fargo does not have my bank in their XXXX database and therefore lacks the system functionality to schedule those debits. To which I agreed to make the remaining payments through my online bill pay by XXXX XXXX, 2015 as demanded. 
However, since that time I have been called XXXX daily by Wells Fargo Collections demanding that I schedule automatic debits to bring the loan current. I have explained to the callers at least XXXX times the agreement I have with them to bring the payments current. I have also explained to these callers Wells Fargo lacks the capability to execute the transactions through their own system limitations. Their regular suggestion that I am lying about my intentions is insulting. 
I want to bring my payments current and have done everything in my power to do so. The loan will be current by XXXX/XXXX/15 as promised. And I do appreciate the consideration I have received relative to bringing the account current. But I do n't think I should be subjected to harrasing phone calls because Wells Fargo lacks the capability to do what they are demanding I submit to, and that they can not communicate with themselves. All they need to do is listen to the records of my calls with them.
Product: Credit reporting or other personal consumer reports

Company : XXXX  Issue : Unlawfully Verified accounts I am writing to file a complaint against XXXX regarding incorrect information on my credit report. Despite multiple attempts to resolve this issue directly with XXXX, the following fraudulent accounts remain on my report : XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX : Account Number XXXX These accounts were opened as a result of identity theft during the XXXX data breach in 2017. My personal information was compromised, and I have been dealing with the consequences ever since. I have provided XXXX with a police report, a notification from XXXX about the data breach, and other relevant documentation to support my claim, but the accounts have not been removed. 

Additionally, XXXX has fraudulently verified this incorrect information after several attempts to dispute these accounts. This has caused significant damage to my credit score and has been a source of ongoing stress and inconvenience. 

I request that the CFPB investigate this matter and ensure that XXXX removes these fraudulent accounts from my credit report. This issue has negatively impacted my credit score and caused significant stress and inconvenience. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX, XXXXXXXX XXXX  # XXXX, XXXX XXXX # XXXX has violated my rights. 15 USC 1681 Section 602 states that I have the right to privacy 15USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I demand that these account be permanently deleted from my credit file
Product: Credit reporting or other personal consumer reports

Original Report number : XXXX Company has not send valid verification with my signature. 

Sent company all documents for ID theft via XXXX Certified XXXX class mail return receipt with signature from XXXX on XX/XX/year>. I sent XXXX separate enclosures regarding XXXX separate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was old information about a home mortgage that is still showing on my report from 5years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, Transunion. I disputed a account on my credit report that was inaccurate. By law 15 U.S code 1681 Transunion can not have inaccurate information on a consumer credit file. I noticed the XXXX XXXX was reporting an alleged collection to my Transunion consumer credit report. I mailed Transunion by certified mail the dispute and told Transunion to delete this account because it was inaccurate. I stated that a collection account can not show a BALANCE. Transunion mailed me the investigations results and now my report shows the BALANCE as XXXX. That is a clear violation of the law. I want this account deleted immediately. I have attached my Transunion documents and dated XX/XX/2021 and XX/XX/2021 as proof of Tansunions violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Equifax had completed nothing to correct my Credit Report and eliminate the Fraudulent Information totally from my Credit File. I have disputed these items and submitted complaints over and over again for how many months already but Equifax Credit Bureau is not frightened to break Federal law thus they took to be slothful and abandoned my appeals. The accounts are not removed from my report. They have provided ZERO VERIFIABLE PROOF needed to justify the accounts but they are still reporting these items on my file which is causing so much emotional and physical stress on me. I'm still here shelling out money with no end in sight and no results to show. Also, I have talked to the furnishers and they agreed to delete the accounts from my file. PLEASE DELETE THEM NOW! 

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

I have been having repeated issues with incorrect name spellings and inaccurate home addresses reporting on my credit. I have called the bureaus many times, sent in letters to correct this information, with proof of identity, home address, as well as a police report ; that proves my identification ( license, social security card and children 's social security card ), was stolen years ago. 
My last attempt at contacting the bureaus was in early XXXX. I was assured that only the information, I provided with proof of identity and address, would remain on my report. I also added fraud alert and put a freeze on my reports. After printing my free annual reports, last month, I noticed several name spellings, along with an additional last name. 
There are also several listed addresses. After moving from my last address, three years ago. I contacted the bureaus to remove all old addresses. I was assured this was done. However, I am seeing addresses that I have not ever taken residence at, as well as addresses from 10plus years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a loan modification with my mortgage company Village Capital & Investments LLC. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the Fall of XXXX, I learned through another dealer, that my XXXX XXXX that I bought new in XXXX had never been reported to any of the 3 credit agencies ( Equifax, XXXX XXXXXXXX ). I financed the car through XXXX XXXX XXXX. I have reached out to them several times through phone, email, and letter about the situation. They sent me a letter in XXXX of XXXX stating that they found the issue, it was their fault and the problem would be resolved within 60 days. The issue has not been resolved as of XX/XX/XXXX. I have tried to reach back out to XXXX with no response. I'm stuck on what to do. I have since sold the car and paid the loan off. I am missing 4.5 years of good payment history and credit on my report because of the negligence of XXXX XXXX XXXX. I am trying to see what my other options are on getting this taken are of.
Product: Checking or savings account

Despite that I wrote letters to ask for the bank 's help to me to access my checking account, the bank has not responded. Further more, the bank notified to cancel my email address ( ( the bank notified on XXXX XXXX, XXXX ). XX/XX/XXXX ) they also notified that they will cancel my account.. Immediately on XXXX, XXXX, XXXX, I sent my letter asking not to cancel my email address and asked help via international express mail on XX/XX/XXXX. No response received yet. 
Aslo, I notified my new mailing address on XX/XX/XXXX XXXX, but no action has been taken by the bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting closed accounts exceeding 7 years. Per the Fair Credit Reporting Act accounts exceeding 7 years must be deleted.
Product: Checking or savings account

I was scammed using XXXX, provided by the bank, for {$300.00}. 
I immediately stopped communication with scammer, contacted the bank with dispute and file an immediate police report, who determined THEFT BY DECEPTION. 
The bank Assistant XXXX would not help me in getting my money back AND followed up by SEVERING RELATIONSHIP WITH ME. 
I was treated as though I was the criminal. 
He did this all while knowing that my SOCIAL SECURITY XXXX DIRECT DEPOSIT would be affected. 

Total jerk!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments and misleading accounts on my report, I was never late and fix some accounts. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts, and update the erroneous accounts also : 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

This memorandum is in reference to XXXXXXXX XXXX located in XXXX, Florida. This bank declined approval of a card from XXXX because I had an unsatisfactory obligation with their organization. I sent them a letter on XX/XX/2021 explaining my situation so they could correct my credit status. No corrections were made. 
I would appreciate it if XXXXXXXX XXXX would rectify the problem by deleting the erroneous information about my obligation of not paying on my account. I informed them that the doctor deliberately took money for services he did not perform. He was informed within XXXX XXXX  to cancel my application and he did not. He did take the funds that XXXX had given to him.
Product: Credit reporting or other personal consumer reports

Hello, Im concerned Ive been receiving debt messages I do not recognize. Upon checking my personal information. I notice a company I do not recognize. XXXX XXXX I ( XX/XX/23 ) In addition debt messages have been received associated to XXXX. Please remove from my personal information as spouse as I have not provided any information or have consigned anything with this name ( XXXX ) remove from my personal information. 
XXXX XXXX from XXXX. This account has been deleted more than 2 times and it keeps appearing. Please remove fraudulent account.
Product: Debt collection

I am requesting a 1099C from Chase Bank. This account has been charged off. my first correspondence was XX/XX/XXXX from Chase Bank in the amount of {$6300.00}. 
The account was then sold to a collection agency and then XX/XX/XXXX of XXXX. I restarted to receiving correspondence again from Chase Bank in the amount of {$6300.00} per my credit report. The status is still in the charge off state and all Im requesting is the 1099C at this point. The account has been closed since XXXX. The charge off has been in affect since XXXX.
Product: Mortgage

On XX/XX/2017 we sent the proceeds from sale of our previous home to LoanCare, " a XXXX company. '' Today, XX/XX/2017, LoanCare 's website states that our outstanding principal balance is {$32000.00}, down from an original loan amount of {$330000.00}. Obviously LoanCare received the priority mail envelope that contained a cashier 's check AND a cover letter requesting cancellation of PMI. [ Please see attachments. ] However, as of today our account information on LoanCare 's website states the next payment due is exactly the same amount as all previous payments. When I finally got through to a representative at LoanCare he said the request had not been processed but he would submit the request today 's date. He also said that the earliest we might see PMI cancellation reflected in the monthly amount due would be XX/XX/2017 but that it is unlikely that LoanCare will complete the process that quickly. Therefore, under the best case scenario we will have paid at least three months -- possibly more -- unearned PMI, which the representative said would not be refunded. 12 USC 4902 ( e ) ( 1 ) ) states that a servicer may not require further PMI payments or premiums more than 30 days after the date on which the written request was received.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in REMOVING a portion of the data in my credit file that resulted from FRAUD, but I still have items passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$12000.00} ; XXXX XXXX XXXX  Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX Balance Owed : {$2700.00} ; XXXX XXXX Balance Owed : {$380.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3500.00}.
Product: Mortgage

My husband and I have applied for loan modifications with our mortgage company ( and received them ) a few times in the last few years. The problem is they have n't lowered the payments or interest rate. We recently filed bankruptcy but did not include our home. Our bankruptcy lawyer informed us about the HAMP program and we have a XXXX XXXX loan. Our mortgage company never mentioned this program to us and now are saying we do n't qualify because of our modifications. 
Our bankruptcy lawyer suggested contacting you to help take care of this. I 'm certain we would have qualified for the HAMP back when we first applied for a modification and would like to see that remedied. Also, the attorney mentioned that we should n't have had to pay thousands of dollars to receive the modification ( which was required each time ) but we were not aware that they are n't supposed to require that so we had to take out a loan using my husbands XXXX account and because of that, his take home pay is {$800.00} less each month because of the loan payment right out of his paycheck. 
I am quite frustrated with our Mortgage company PHH Mortgage as they have not helped us with the financial difficulties but made them considerably worse. Now they are saying we are going into foreclosure again on the XXXX of XXXX Please help. 
XXXX and XXXX XXXX PHH Mtg LN # XXXX
Product: Checking or savings account

I signed up for an account with Wells Fargo because I received a mail flyer stating that new account holders would be exempt from paying atm fees associated with using a non-Wells Fargo atm. For a long period of time, fees I incurred after using a non-Wells Fargo atm were routinely and consistently refunded. However, I recently realized that the bank is only sporadically refunding these fees. I have contacted the bank to inquire about this discrepancy. But, no one at the bank can explain to me what happened. I was told that the customer service branch would investigate my inquiry. Yet, no one has followed up with me in about two weeks. I am concerned that Wells Fargo may be engaging in discriminatory practices because I am aware that the bank defrauded mortgage and checking/savings accounts customers in the past. It is suspicious that every person I talked to at the bank first tried to deny that I received this promotion, then pivoted to claim that the promotion has expired. The mail flyer did not indicate that the promotion would expire. I have lost a significant amount of money because of this misleading representation by Wells Fargo and I would like a refund of all the non-Wells Fargo atm fees I have incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ), I, XXXX XXXX, consumer, never gave TRANSUNION LLC to furnish my information, you are in violation ( s ). You must comply with my written instructions and DELETE the account ( s ) mentioned in my letter, failure to comply with my/consumer written instructions by law 15 U.S. Code 1681b ( a ) ( 2 ) will result in TRANSUNION LLC fined for {$1000.00} ( per ) Account pursuant to 15 U.S. Code 1681n ( a ) ( A ) ( B ) and you will be invoiced for failing instructions, you must comply with instructions the day of receiving this letter/complaint. Best regards!
Product: Credit reporting, credit repair services, or other personal consumer reports

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction below. 

They should all be removed from my consumer report under 15 USC 1681a ( 2 ) ( B ).