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

IM THE VICTIM OF IDENTITY THET I HAVE PROOF AND I ALSO HAVE PROOF THAT XXXX AGREED TO TAKE THE ACCOUNT DOWN BUT HAVENT FULLY COOPERATE WITH THERE ACTIONS, I NEED HELP IN ASSISTANCE OF GETTING THESE ACCOUNTS REMOVED ,15 USC code s 1681 CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE ACCURACY AND FAIRNESS OF CREDIT REPORTING. THE CONGRESS MAKES THE FOLLOWING FINDINGS : ( 1 ) THE BANKING SYSTEM IS DEPENDENT UPON FAIR AND ACCURATE CREDIT REPORTING. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM AND UNFAIR CREDIT REPORTING, METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. AN ELABORATE MECHANISM HAS BEEN DEVELOPED FOR INVESTIGATING AND EVALUATING THE CREDIT WORTHINESS, CREDIT STANDING, CREDIT CAPACITY, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. CONSUMER REPORTING AGENCIES HAVE ASSUMED A VITAL ROLE IN ASSEMBLING AND EVALUATING CONSUMER CREDIT AND OTHER INFORMATION ON CONSUMERS.THERE IS A NEED TO INSURE THAT CONSUMER REPORTING AGENCIES EXERCISE THEIR GRAVE RESPONSIBILITIES WITH FAIRNESS IMPARTIALITY AND A RESPECT FOR THE CONSUMERS RIGHT TO PRIVACY. PLEASE REMOVE THIS ACCOUNT.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please Modify the following items on my credit report to 100 % on-time payments, immediately : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$18000.00} XXXX XXXX  XXXX Balance : {$18000.00} XXXX  XXXX XXXX Balance : {$200.00} XXXX  XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$18000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ( {$4100.00} ) Original creditor : XXXX is not my account. After doing my research it belongs to a business by the name of XXXX XXXX XXXX XXXX XXXXXXXX do not own. Please remove for they have violated my rights. 15 U.S.C 1681 section XXXX A. States I have the right to privacy. 15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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: Debt collection

his is my second complaint about XXXX XXXX and their associated law firm. My first complaint was settled. However, the tactics at which these individuals use to settle their debt is concerning. I originally filed a complaint in late XX/XX/XXXX. I received a response letter dated XX/XX/XXXX. I first received original correspondence in XXXX of XXXX of which I did not respond initially, as I thought this was a scam. I will admit that I did not remember signing up for a credit card at first, but then I was doing some research on my own. On XX/XX/XXXX at XXXX CST there was a knock at my door, which is in a secure apartment complex so I am not positive as to how this person gained entry, I answered and he handed me papers and walked away. These papers contained nothing but the file number, bland information as to what I was being charged with ( which was a shock to me as this was the first I was hearing of potential court issues ). Email correspondence between XXXX XXXX XXXX and I happened on XX/XX/XXXX ; I was reaching out to XXXX about any settlement opportunities that may be available. He responded asking for a good phone number at which I could be reached, I replied with a phone number and told him the best times that I could be reached to discuss. After, I received no further emails or calls. On a letter dated XX/XX/XXXX I received an offer letter from RSIEH about an offer to settle the claim against me for {$420.00}, the letter included a website to where I could pay online. I received a letter in the mail in early XXXX containing an order from the XXXX County court letting me know that an action was filed on XX/XX/XXXX against me. The letter contained a file number that the state has for this judgement, however no such court dates. After receiving this letter, I decided that I should pay the amount that I owed and I would move on. I submitted a payment for {$590.00} on XX/XX/XXXX using their website, the funds were deducted on XX/XX/XXXX from my bank account. I then called their office on XX/XX/XXXX requesting a receipt be sent to me, the individual I spoke with said that I should be receiving it within 3-4 days and the letter would be sent out that same day. After waiting over the time period, I then called again requesting a letter on XX/XX/XXXX and they said that one would be sent out and they did not see my first request. As of XX/XX/XXXX I have not received any correspondence from the company, I also have submitted online requests for contact and they have not been fulfilled. I have requested a receipt and would like them to remove this from my credit report. Due to their lack of professionalism in this matter, it has caused increased stress in my life upon fear of a lawsuit that I am not sure is even happening. They have not been fair in trying to resolve this matter, and I can say that I would have rather reached a compromise than have been threatened with legal force. I do have supporting documents if they are required. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XX/XX/XXXXis violating my right per fcra please delete off my credit report attach is the court order
Product: Credit card or prepaid card

I received a Bank of America credit card with XXXX XXXX XXXX XXXX logo, I believe VISA. 
I never applied for this. 
Bank of America was called and said they see this application was made and will delete it and for me to destroy the card. 
Which I did. 
How can this happen when my XXXX Credit Reporting company has been frozen, by me, for the last few years? 

Thanks for the assistance, good weekend. 

XXXX XXXX XXXX
Product: Student loan

When checking my payments to Navient, I noticed they missed a payment of {$84.00} form XX/XX/2019. When I alerted them to this, they sent a form notice asking for a copy of front and back of the check. I alerted them the first week of XX/XX/2019. 

When I sent them a copy of my bank statement clearly showing the payment to them and clearly showing that it was an electronic transfer, they sent a form message asking for the front and back of the check. 

Clearly they are dragging this out hoping I will go away rather than fixing the problem and crediting my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided documentation and a request to the credit bureaus via USPS XXXX Letters with tracking numbers XXXX, XXXX, XXXX on XX/XX/2022, To remove personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting Act 15 USC 1681, I have the right to privacy. 15 USC 1681 Section 604 A Section 2. States that a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802, no financial institution is permitted to share my information to any third parties. This is a violation of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I receive a notice from XXXX XXXX XXXX Stating that I owe a debt for XXXX XXXX Nevada for {$580.00}. I immediately sent them a I demand to see Verifiable Proof ( an original Consumer Contract with my signature on it.This company has reported this collection account to XXXX   XXXX and XXXX XXXX that stated I owe them in the amount of XXXX.. I have received a return mail letter stating this account is valid. However they did NOT send adequate information that needed to validate this debt. I asked for the original contract with my sign date and signature. They just sent me a bill. I sent them 2nd demand letter requesting the same information. They sent me a letter that states these exact word. 

Dear XXXX XXXX Cavalry is in receipt of the letter of dispute made pursuant to the Fair Credit Reporting Act ( " FCRA '' on the above referenced account. 

In acknowledgement of the dispute, we have requested that consume reporting agencies report the account as disputed. 

We have reviewed the dispute and find the dispute lacking in any specific facts or information which would allow us to conduct an investigation. Because the dispute alleges no specific information to form the basis for an investigation, we are unable to investigate the dispute pursuant to the FCRA. 

Please provide us the specific information that is being disputed and an explanation of the basis of the dispute. 

If you have any question please contact us at XXXX from XXXX Eastern time Monday through Friday. 

Well I have call and sent certified letter and gave them all information that they request and they keep sending me this same letter. Never addressing that this is not my account. I never had a XXXX account and I want this remove..
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( block , inc ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( XXXX ). 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: Mortgage

I am a XXXX XXXX XXXX XXXX. I have a mortgage through Bank of America ( originated with Countrywide Homeloans ) ( Acct # XXXX ). My mortgage has faithfully been paid via allotment from my retired pay by the XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ). 

Bank of America ( after several calls ) informed me that they no longer accept allotments from XXXX, effective XX/XX/2020 ( NOTE : they did accept my XXXX XXXX, 2020 payment ). I don't recall receiving notice of this change, but I certainly could have missed it and don't dispute that element of the story. 

Payments were made by XXXX on XX/XX/2020 and XX/XX/2020 in the amount of {$1400.00} each. Neither payment was posted against my mortgage, thus leaving me 2 months in arrears. I will send a check to cover those two months, but the {$2800.00} is lost. Bank of America says that XXXX should have it ; XXXX says they sent it and it has not been returned. Bank of America claims that XXXX XXXX XXXX XXXX  acts as an intermediary for XXXX and that the money was not forwarded to them. XXXX says that they don't work through an intermediary bank and that allotments are sent directly to the bank as requested by the retiree. No one I speak with seems to have a clue. Bank of America does admit to a major change in their mortgage system beginning in XXXX of this year. 

I need help!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

These are the accounts I ask to me removed : To : Experian XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove Unauthorized Hard Inquiry from XXXX  XXXX XXXX Dear Sir or Madam, I am writing to formally request the removal of an unauthorized hard inquiry made by XXXX XXXX XXXX from my credit report. Upon reviewing my credit report, I noticed a hard inquiry dated [ Date of Inquiry ] that I did not authorize. 

Please be advised that I have not applied for any new credit with XXXX  XXXX XXXX nor have I given permission for this inquiry. I respectfully request that you remove this inquiry from my credit report as it was made without my consent. 

To assist in this investigation, I have included the following information : XXXX XXXX XXXX Hard Inquiry Date : XX/XX/XXXX XX/XX/XXXX XXXX XXXX My Full Name : [ Your Full Name ] My Address were included My Social Security Number were included Enclosed, please find a copy of my drivers license and a recent utility bill as proof of my identity. 

Under the Fair Credit Reporting Act ( FCRA ), only authorized inquiries should appear on my credit report. As this inquiry was made without my permission, I request that it be removed and that a confirmation letter of the removal be sent to my updated address. 

Thank you for your prompt attention to this matter. If you require further information, please do not hesitate to contact me. 

Sincerely, XXXX XXXX Enclosures : 1. Copy of drivers license 2. Copy of recent utility bill
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, when my loan of {$10000.00} had been fully discharged, the letter advised it would take up to 180 days to be cleared. The information regarding the discharge was relayed to XXXX on XX/XX/XXXX, the loan had in fact been discharged. I have contacted XXXX several times recently as of XX/XX/XXXX still with no concrete conclusion other than they have extended the time frame to XXXX with no notification to the borrower. Each time I tried to clear this debt from my credit report XXXX sends a report back to all 3 Credit Bureaus that the debt is owed. I have sent the discharge letter to the credit bureau on several occasions still getting the results that the debt is still owed. This adverse action is causing me not to be able to move forward with a home purchase. I would like this matter and XXXX practices investigated.
Product: Credit card or prepaid card

American Expres provided an offer to me for {$75.00} back after spending {$300.00} at XXXX to book a hotel. I activated the offer. On XX/XX/XXXX, I made a purchase with XXXX ( http : XXXX ) for {$300.00}. I later checked my transactions and noticed the charge showed as " XXXX XXXX '', and was concerned, but I assumed that I would still receive the {$75.00} as I had followed the exact terms and conditions in the offer. 

One month later, and I have not received any credit from American Express. I have contacted support twice. The first time, they said they would get back to me within a week, and they never did. When I contacted them a second time, they told me they did a cursory investigation on their own, saw that the charge was not to XXXX, and decided not to give me the {$75.00}. I asked them to open a case again, and I would be happy to provide my receipt showing I had directly booked with XXXX. It is a week later, and they have not taken any further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written your company several times all sent out via mail. I haven't heard any word so I have no choice but to submit my complaint here about my credit report. There are false or misleading representations. There are several accounts were the payment history is not consistent and should be correct. On XXXX and Equifax it reporting different information. 
The following accounts I have did my due deligence and actually carefully reviewed my report. I feel like you guys are stalling and not properly investigating
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with TRANSUNION about this information and I am uploading additional information to my previous complaint to have this account removed from my credit report immediately. I have contacted the FTC and am now sending this information to TRANSUNION. 
On XX/XX/21 I received an alert that a company called " XXXX XXXX XXXX '' had stated that I opened an account with them on XX/XX/21, had a balance of {$670.00} and placed this information on my report. After filing my dispute, this company then CHANGED the information stating I had made a payment of {$50.00}, ( COMPLETELY FALSE ) to them and Then CHANGED and updated information on my credit report with another credit bureau XXXX XXXX XXXX. 
THIS IS COMPLETELY FALSE! I Have never dealt with this company, or ever had an account with them and This account if fraudulently on My credit report. 
I am requesting that TRANSUNION remove this information immediately.
Product: Student loan

XXXX loans were closed and moved to XXXX, on XXXX XXXX, 2010, however, there are statements on my credit reports that I have XXXX missed payments on XXXX, XXXX missed payment on XXXX and missed payments on XXXX. There were no missed payments.
Product: Credit reporting or other personal consumer reports

One main ran a Hard Credit on my credit file.

I did not apply or request any credit from ONEMAIN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I have on my credit file without my consent signature or any digital format of my signature. 

Copy of my drivers License number or a copy of my social security number was provided for ONEMAIN XXXX XXXX XXXX this appears on my credit. 

IT also impacted my XXXX XXXX for something I did not apply for in which was credit.
Product: Mortgage

I refinanced my Mortgage with Loan Depot in XX/XX/XXXX. I had requested a Biweekly payment schedule. They setup the Loan date of XX/XX/XXXX. With my first payment to be due on XXXX XXXX, XXXX. It was a monthly payment charge. I called and inquired about the bi-weekly request and was told to make the XXXX payment and complete a form requesting to be accepted in the Budget Drafting program to reduce my interest charges. The customer service rep told me also pay XXXX 's payment early because they needed to have one payment ahead of time in order for me to be accepted into the program. I made my 1st payment of {$3200.00} for the XX/XX/XXXX payment on XX/XX/XXXX. I made the XX/XX/XXXX payment of {$3200.00} on XX/XX/XXXX. I received the acceptance letter in XX/XX/XXXX and was told that the first automatic payment would be deducted from my account on XX/XX/XXXX and bi-weekly from that date. The payment of {$1600.00} was automatically deducted from my checking account on XX/XX/XXXX. In XXXX, I started receiving letters stated that my loan was at fault and in-jeopardy of foreclosing, they assessed late charges, and sent delinquent notices to the credit bureau. I made 10 calls to get this corrected to be told each time that it was a problem with their system and for me to send a payment of {$4900.00} on XX/XX/XXXX to get my account back on track. Then, they called me back that same day and stated that I needed to make payment of another {$1600.00} on XX/XX/XXXX. They would not refund the late payments and they would not fix my credit at the credit bureaus. I was told that they would start doing the automatic payments and it would resume on XXXX. They did not resume, so I made the payment of {$3200.00} on XX/XX/XXXX. On XX/XX/XXXX they took the automatic payment of {$1600.00} out of my account automatically and I received a letter stated that I had been reinstated into the Budget Drafting program. I checked my account two weeks later to see if a withdrawal occurred and it had not. So, I made a payment of {$6600.00}. I called to inquire and they stated that they could not make deductions because my account was overpaid and showing that payments would not be due until XX/XX/XXXX. At that time the Budget Drafting would continue. So, I continued making payments but towards the principle only of {$4000.00} During the month of XXXX. Today, XX/XX/XXXX, I called the company to inquire about the missing automatic deduction from my account to pay for the XX/XX/XXXX payment and the customer service rep stated that he was not sure why the payment was not deducted. Told me that I was delinquent and needed to pay {$3200.00}. I did. He told me that a supervisor would call me to let me know how to get back into the Budget Drafting automatic payment schedule. My county taxes are due and they only made a partial payment to them despite having more than enough money in my escrow to pay the taxes in-full. Which is costing me more money. Please advise me how to get to another Loan company. This company is very mismanaged and I am paying the penalty for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has reported late payments on all three credit bureau 's when payments were made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

in according to fair credit reporting act XXXX, account # XXXX has violated my right 15 U.S.C 1681 section 602 A state have a right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions