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

I am proactively sending this with attachment as Equifax has already ignored my first submission of the FTC report attached to this complaint. Over the last 2-3 years, Equifax has repeatedly violated the rights afforded me via the FCRA and FDCPA. Equifax has reinserted information on my report without notifying me with 5 days after reinsertion. They have done this a number of times. When I address it with them, they say that they don't do things that way there. When disputing a fraudulent account, I asked Equifax why they state 30 days for the fraud dispute when FCRA 605b clearly states 4 days. The response again was that they don't do that there. I asked if they followed the FCRA at all. The response was they just do it this way. I once called and was told by an Equifax employee that they have been instructed to remove nothing from the files of consumers and that all negative information will report for 7-10 years depending on the type of account it is. I asked even if it's inaccurate or fraudulent. The representative said yes. I asked him if he was aware that was in violation of federal law and he said that he didn't care because no one will do anything anyway. He was right. I immediately asked for a supervisor and he placed me on disconnect ( hung up on me ). I called back immediately to report this to a supervisor and the supervisor would not take his name or agent number to look unto it. I called this in to your office and nothing was done. So as much as I feel like I am wasting my time, at least I am leaving a trail for when the time comes that I can have my rights defended and justice done. So, again, this is in advance of Equifax refusing to remove inaccurate, untimely, unverifiable, and fraudulent activity from my report. It is being done deliberately in the face of the CFPB and other agencies because you have become a joke to the credit reporting agencies- just another acronym powerless to uphold consumer rights. The incident described above happened after the XX/XX/2020 passing of the data breach claim. You have lost the luster with which you were created. Shame on you!
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified these. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 
As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

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

Some of these accounts I did not open, I'm not sure how they were opened without my consent. Some of these accounts need to be validated ; I believe they are not accurate. 

These are the accounts that's listed on my credit report. XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX Bank XXXX XXXX account # XXXX XXXX XXXX  account # XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX. 

These are all the hard inquiries I didn't authorize to be ran 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 XXXX XXXX I did some research and found out that all credit reporting bureaus must be accurate with reporting on all 3 bureaus. In accordance with Fair Credit Act these companies listed 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 an account without my written consent. These are the hard inquiries listed. Not enough room on report to list all inquiries. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Some of the accounts have different reporting information on different bureaus, meaning all information across all XXXX bureaus must match. Numerous error'sI have found on these accounts. I have attached a complete copy of my most recent updated credit report.
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 requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I contacted Gulf Coast Collection Bureau ( XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX ) to receive information about a collection amount reported on my credit report that I do not recognize and that is said to be related to attorney fees. After giving the information I found on my credit report to the representative, she could not locate any account or data linked to account # XXXX.
Product: Money transfer, virtual currency, or money service

on the date XX/XX/year>, i was scammed out of XXXX dollars through XXXX and hadno way to get me address back. I called Wells fargo but there was nothing i could do to receive me money in return.
Product: Credit reporting or other personal consumer reports

This is my4th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The 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, block 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
Product: Mortgage

I purchased a condo in XXXX, FL in XXXX, and approximately 12 years ago ( during the housing crisis in XXXX ) I refinanced the condo. Since then the mortgage has gone through multiple companies ( I've lost track ) and has even been refinanced a second time through SPS, Select Portfolio Servicing. I kept all the piles and piles of paperwork over the years and can prove that only one mortgage company, SPS is associated with this property. No other mortgage or loan company has appeared on my credit report for this property. Now out of the blue this company, SLS?, is trying to say they hold a mortgage on the condo. According to the XXXX, this type of activity has been reported many times and is a common behavior of this company, SLS. The public reports and complaints indicate that many people have experienced being treated this way by SLS. I'm not sure how many hands my mortgages went through during the housing crisis but it is horrible to think that a company would take advantage of all the confusion and shuffling of paperwork and make false claims against properties. Hopefully, this is an honest error on their part and they will acknowledge their mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I was close to paying the debt off, the company would add another 6 months to pay it off.This happen 3 times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian regarding potentially negative remarks on my report XXXX XX/XX/2022 at XXXXXXXX XXXX at number XXXX ( XXXX ) XXXX. I spoke with customer service agent XXXX who asked for my personal, private and confidential information but would not give hers. A few of the accounts have been settled and paid in full. I attempted to ask the agent " Why are several of my account potentially negative when they have been closed and paid in full? She could not give an answer that I deemed suitable. I asked to be escalated to management and this agent refused. I asked for agent id number and representative refused. I would like my account to be closed with Experian as I do not trust the teenagers that have privy to my personal, private, and confidential information. I would only like verified Veterans over my portfolio as I am a Veteran. I would like someone to respond to my complaints via my email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity thief and these account don't belong to me. i have never had any agreements or contracts with these companies. 

15 USC 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of the law because I am a victim of Identity theft! Please delete these items IMMEDIATELY! 

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

I need Equifax to release my credit report to a mortgage broker asap. However, they refuse to either temporarily thaw the freeze I placed on my CR 11 years ago or give me a 4 digit PIN to give my lender in a timely manner. They needed a week to mail me an access code for their online service which did not work. Now they need me to fax more identification again, even though it has been less than a year since I mailed them the same ID so they could mail me a free credit report ( which I received last XXXX ). They say they need 10 business days to process this redundant info, and then I will need to call them to see if they received it to request a thaw. I called them several times today to inquire about the process. The reps I spoke with couldn't help or cut me off, and I didn't get answers to questions like how I could do this online ( for speed and security purposes ) and if there was a way to know if and when the freeze had been lifted. The last time I called I waited for 2 hours and 20 minutes before I had to hang up. That was after being on the phone with them first for 45 minutes, and then almost 2 hours when a rep said he would put me on hold to " check if he could find the ID 's I sent to them last year '' but after 15 minutes on hold the line went dead and no one called me back! 
The only reason they could give me for why I had to keep reconfirming everything on paper ( by snail mail ) despite having the same name, address, DL, SS #, verification codes, etc for more than a decade was that they didn't keep my records! This is unacceptable. It shouldn't take weeks and weeks to get my credit report to a specific lender during a financial crisis. Nor should it take multiple phone calls and hours and hours on hold trying to get answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I had {$76.00} past due with a Wells Fargo Visa card. The reason I was past due was because I did not receive any communication from Wells Fargo that I was late. 
I sent a letter of goodwill in XX/XX/XXXX that I had not received notice of my late payment because I was living abroad, but in XX/XX/XXXX, Wells Fargo denied my request to have the late payment removed from my credit reports. I believe I was denied by Wells Fargo without consideration that I did n't have knowledge of a late payment.
Product: Credit card or prepaid card

Violation of 15 U.S. Code 1637 Violation of 12 U.S. Code 1431 ( a ) Violation of 15 U.S. Code 1691 THEY ARE DENYING CREDIT BY FREEZING ACCOUNT.
Product: Student loan

I graduated college in 2010, 8 years ago with a total debt of XXXX. Now the current principal balance is XXXX? It has been 8 years and I havent even touched the principal on my private student loans with Navient. Also the only federal debt that I have paid off over those years is a grand total of XXXX . I feel as though I have been misled, and convinced to go into certain payment options that did not benefit me any way. There had to have been a misallocation of the money I was shelling out to them over the years. I also have tried multiple times to get them to work with me on repayment options, Income based repayment etc. and have been denied. I have a daughter, wife and home to support and they will just not bend for me. Then it wasnt until today where I did some digging only to come to realize that 3 our of 4 of my private student loans had not only not been paid down, but I owe more money on them now. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle is XXXX , XXXX $ added. 

Signature student loan XXXX starting balance was XXXX . Now the current principle balance is XXXX , XXXX $ added. 

So over the course of 8 years not only were my loans not paid down, I actually owe more now. Do note, during these past 8 years I have been paying them through automatic debit and online. I feel as though I have been treading water for 8 years instead of making any headway on the 9 loans I have with them. I feel as though this company is misleading and of no help to the students that they bound up for life. Pretty unethical if you ask me, if you can help in anyway I would appreciate it. Thanks for your time. 

XXXX XXXX
Product: Debt collection

On XXXX XXXX, I moved from my home on XXXX XXXX XXXX to another address XXXX XXXX XXXX ( not my current address ), where I got new service for XXXX XXXX XXXX XXXX XXXX XXXX. I was told by a representative that in order to get new service at the new address, I had to pay up the bill at the previous address, which was done, and I did receive new service at the new address. In about XXXX of this year, I started receiving numerous phone calls per day from the XXXX XXXX XXXX requesting a debt of about {$130.00} that they felt I owed for a debt they claim they received from XXXX XXXX XXXX. This was not the case since I was able to receive service at my new address. I informed them of this and then ended the call. On XXXX XXXX of this year, I put my number on the do not call registry, and even though it has been over 31 days, I have received 7 harassing phone calls from collections agents of XXXX XXXX XXXX since XXXX XXXX, 31 days after I 've put my phone number on do-not-call. These phone calls stem from a series of XXXX followed by various different ending 4 digit numbers. I am aware of my rights as a consumer and am aware that these companies can be held accountable for breaking these do-not call protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following have violated my rights under 15usc 1681 sec. 602a ,604a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

I suffered a {$2000.00} a month loss of social security disabilty income in 2012. I could not pay my first and second mortgage so I applied for a modification. It took XXXX years to finally get a modification. I included my second mortgage ( line of credit with Indy Mac Bank ) on all of the paperwork I submitted. When I finally recieved the modification, I thought it included IndyMac '' s loan. Many months later, I was contacted by a collection agency which says my second mortgage was in charge off status and now I had to pay the collection agency, not IndyMac Bank. 
I called IndyMac Bank to explain what happened seeking to get my loan reinstated so I could resume my payments but they refused to talk to me. 
The collection agency says I must pay them. I can not reinstate my loan and I can not repair my credit until the entire amount is paid in full. Additionally, I am still in jeopardy of the second mortgage pushing me into foreclosure at any given time unless I file bankruptcy which will also destroy my credit even further. 
.
Product: Mortgage

On XXXX 2020, I have requested for refinancing mortgage for my property in XXXX XXXX  with Amerisave from XXXX XXXX ( NMLS ID # XXXX ). On XXXX I paid for appraisal and after appraisal he mentioned that I need to be physically in XXXX  for closing the loan. Because I live in XXXX  and can not be physically in XXXX, I asked to cancel the loan. After repeated requests to cancel ( multiple days ), on XX/XX/XXXX I got a response that he pit in a request to cancel. But loan was not canceled and I was repeatedly getting notifications to provide more documentation. After re-escalating again with customer service and XXXX, on XXXX he again responded that he requested the loan to be cancelled. But loan application is still active and on XX/XX/XXXX I got a message that my loan is getting finalized and I had to move insurance to the escrow. I have been going through lot of mental torture and all I asked was to cancel my loan application and there is no further response from either Amerisave customer service or him. He is not answering any calls or not retuning. I have all the documentation evidence of the timeline. Please advising me what are my options to cancel loan request.
Product: Credit reporting or other personal consumer reports

Complaint Regarding FCRA Violation with XXXX XXXX XXXX XXXX account # XXXX. I am writing to formally dispute an issue related to the information that XXXX XXXX XXXX XXXX has reported to the credit reporting agencies regarding my credit card account # XXXX with me. I believe that XXXX XXXX has violated my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate or incomplete information to the credit agenies. My information was exposed in a data breach and you got to remove this information don't turn my dispute into a 30 day dispute under section 605 B this should be removed within four days. XXXX XXXX XXXX XXXX unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I am writing to dispute these XXXXXXXX XXXX XXXX XXXX, fraudulently opened in my name. I am a victim of identity theft. XXXX XXXX XXXX XXXX is attempting to collect an alleged debt on the basis of fraud, misrepresentation and violation of violations of Fair Credit ReportingAct ( CFRA ) 15 U.S.C. 1681s. I DO NOT GIVE XXXXXXXX XXXX XXXX XXXXXXXX AUTHORIZATION TO OPEN OR PUT ANY REMARKS ON MY CONSUMER REPORT. My identity has been stolen, you are hereby put on notice. Aggravated Identity Theft pursuant to 18 U.S.C. $ 1028A. The Following account is a result of Identity theft and was not initiated by me, I demand that this account is DELETED immediately. 15 USC 1692 K and 15 USC 1640 Civil liability. 15 U.S. Code 1681n - Civil liability for willful noncompliance. 

Despite my repeated attempts to resolve this matter by disputing with credit bureaus, contacting XXXX XXXX directly, the error has not been corrected. 

I Demand that you investigate this matter in accordance with the FCRA and ensure that accurate information is reported to all relevant credit bureaus. Additionally, I would appreciate confirmation in writing once this issue is resolved. 

Thank you for your prompt attention to this matter. Please confirm in writing the resolution of this issue and the steps taken to update my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to all 3 credit bureaus and they refused to investigate. I paid XXXX XXXX XXXX XXXX  which is a medical bill. I paid him which is the doctor for the medical bill in XX/XX/XXXX. I have the bill attached below with XXXX with the receipt that states its paid. The bill went to XXXX accounts collection agency and they have refused to remove it since XX/XX/XXXX. XXXX XXXX is doing the exact same thing. According to the Fair Debt Collection Practices Act, 15 USC 1692g, I did not make a agreement with these collection agencies so there can not be a balance. I have sent letters and they have refused to remove them. The dates are XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

XXXX XXXX closed my account as a charge off, I sent them a letter according to the 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, they refuse to send me a 1099-c to fill out because i have to file it on my taxes and they are delaying it. XXXX XXXX are in violation and refuse to delete it. According to the IRS Publication a company who writes off a debt is suppose to send you a 1099-C form to fill out because a loss for them is considered income for me. In essence, it is their responsibility to furnish accurate information. Charge offs on my credit report is illegal. 

After i had notified them all of these companies, they refuse to remove it. According to 15 U.S. Code 1681 says if they are still reporting it after being notified that its {$1000.00} per violation. They have cause damage to my consumer report and according to 15 U.S. Code 15 says actual damage or injuries caused by them shall recover triple the amount. They have been reporting inaccurate information for a year and according to 15 U.S. Code 1681s-2, they are prohibited from reporting if they know or suspect its inaccurate. They have to report accurate information according to 15 U.S. Code 1681e ( b ) says they have to report accurately.