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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XX/XX/XXXX Dear Sir or Madam : I'm writing to get resolution to 7 Medical creditors that was recently placed all in one day on my credit report. 2 for XXXX XXXX reported XX/XX/XXXX {$110.00} and {$110.00} and 3 for XXXX XXXX XXXX reported XX/XX/XXXX {$120.00}, {$660.00} and {$240.00}. XXXX XXXX XXXX XXXX reported XX/XX/XXXX {$280.00} and XXXX XXXX XXXX reported XX/XX/XXXX for {$140.00}. There is n way I can owe these creditors. I have attempted to call each to explain the error but all they want is a payment. On my credit report it did not say medical, it says Collection or Charge off. I pay my bills and have a 100 % payment history. I explained that these error medical collections have been paid at 100 % as the Doctor and Hospital I use say I have a XXXX balance. I have full coverage health insurance. I would like to have this removed from my credit report. I have asked these companies above to kindly remove but say no. I'm reaching out for help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey, I reached out to the debt collector in regards to this collection on my account it was advised they can not remove it. I definitely did not set up an account and this is fraudulent activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went onto XXXX XXXX and received a credit score of XXXX, and you guys are saying my score is XXXX, thats a drastic change
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Kic. ) ( to i le quato 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 XXXXwas untair an & 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 I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. I demand to see verifiable proof ( i.e., an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. I demand that the following account ( s ) be verified or removed immediately : 1 ) XXXX XXXX  Account number - XXXX Account status - Open Date opened- XX/XX/2022 XXXX ) XXXX XXXX XXXX  Account number - XXXX Date opened- XX/XX/2022 I respectfully request to be provided with proof of this alleged item ( s ), specifically the contract, note or other instrument bearing my signature failing that, the item ( s ) must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provide within fifteen ( 15 ) days of the completion of your reinvestigation.

Thank You
Product: Mortgage

I received a first notice of tax sale from a lawyer dated XX/XX/XXXX and contacted the local XXXX XXXX Department of Finance/ went to the courthouse to speak with someone. I was not receiving any of their notices as they were being sent to the previous owner and the reason for it was that only half of the XXXX tax bill was paid. I called SLS on XX/XX/XXXX and informed them of the issue, and was told they would look into it and provide an update. This required two attempts at calling, with the first person telling me that I was bringing up a scam when I mentioned that a lawyer purchased the tax lien since it went unpaid for so long. That first person appeared to hang up on me and did not call me back at the number I provided at the beginning of the call. 

On XX/XX/XXXX, I was contacted by the contact I spoke to with the Department of Finance saying that the tax was paid, but the lien still existed due to unpaid legal fees. I see an escrow analysis document showing the payment on XX/XX/XXXX in my online portal, but I was never told about this or contacted by SLS in any way to tell me that they were paid. I was originally recommended by the Department of Finance to not personally contact the lawyer but to instead go through the mortgage company. I called the mortgage company later that day, and again was met with hesitancy regarding fixing the issue. They refused to take the name and contact information of the lawyer and insisted that they had paid everything even though the Department of Finance disagreed. 

I received a second notice of sale from the lawyer on XX/XX/XXXX by certified mail, though it is dated XX/XX/XXXX in the letter. I was told by SLS that they would fix the issue by XX/XX/XXXX, but I have spent a cumulative 14 hours on hold these past two days without being able to contact someone outside of being hung up on immediately after connecting once. I believe that I am very close to the six months since the sale of the tax lien and have gotten no help or answers about it. 

I have attached the letters sent by the lawyer. The first one got ripped by a pet, but the only difference is " First Notice '' instead of " Second Notice. ''
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

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: Student loan

I have provided a complete list of every lender I am aware of that has been involved with any of these loans thus far. This information provided has been obtained from my complete credit report. 

EDFINANCIAL SERVICES L 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 am in the process of applying for the Public Service Federal Loan Forgiveness Program. To do so, I must submit information regarding payments of my loans I have made under the income-based repayment plan. I am on able to access the information regarding how many qualifying payments I have made under this payment plan on the student aid.gov website. This is due to errors on my account as reported in the NSLGS database. The information reported by my lenders to the NSLDS database is in accurate. 

As the NSLDS database is accessible only to lenders, I am unable to determine what account information has been inaccurately reported. As a result of my inability to access my own personal information in the NSLDS database, only my lenders can correct the errors. I, as the loan holder, I am unable to determine what information was incorrectly reported, when the incorrect information was reported, and who reported the incorrect information. Further, there is no way for me to correct this information myself without the participation of the lenders. 

I have made numerous attempts to correct this issue with my current loan order, Edfinancial. I have submitted numerous documents reflecting all of my accurate identifying information several times to no avail. I have spoken with several representatives from NSLDS and EdFinancial and they have not resolved the issue.

I am able to log in to the FSA website with my FSA ID and password but can not view my loan information. The website inaccurately reports that I have no federal loan history whatsoever. I am unable to log in to the studentaid.ed.gov website with my FSA ID and password. When I attempt to do so, I received an error message that says student can not be found. After speaking with a representative from an SLDS, I am told that this is because my identifying information is inconsistent and/or inaccurate as reported to the NSLDS database by my lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. 

XXXX XXXX has responded to my previous dispute saying that they deleted the inquiry and that they would not respond to any more disputes because they had deleted it. It is not deleted. It is still being reported on my Experian report and I have contacted Experian and was told that XXXX XXXX has NOT informed them to delete the inquiry. The inquiry date is XXXX/XXXX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Formal Request for Reinvestigation of Fraudulent Transaction and Immediate Credit Reporting Correctio I am writing to formally express my ongoing dissatisfaction with XXXX XXXX  handling of a disputed fraudulent transaction on my account, which I first reported in XX/XX/year>. I have made multiple requests for the Bank to reopen the investigation and provide a detailed explanation of the denials, yet XXXX XXXX  continues to refer me to the merchant, XXXX, who is unable to assist me. 

Background on the Fraudulent Transaction I have reached out to XXXX directly, as suggested by XXXX XXXX, but they have confirmed that they can not locate any transaction without an order number or transaction numberdetails I can not provide, as I did not make the transaction in question. I have also provided XXXX XXXX  with a police report supporting my claim of fraud. 

Despite this, I continue to be referred back to the merchant, and this back-and-forth has resulted in no progress toward resolving this unauthorized charge. XXXX XXXX  repeated refusal to reinvestigate or resolve the issue is deeply concerning and has caused significant financial and emotional distress. 

Request for Reinvestigation and Reporting Corrections I am formally requesting once again that XXXX Bank and XXXX Reopen the investigation into the fraudulent transaction on my account. 
Provide a detailed explanation of why my dispute was previously denied, along with any supporting documentation XXXX XXXX  relied on to reach that conclusion. 
Correct the inaccurate credit reporting related to this transaction. XXXX XXXX  continued reporting of this charge to the credit bureaus has resulted in a XXXXpoint  drop in my credit score, despite the ongoing dispute. 
Violation of 15 USC 1692c In XX/XX/year>, I formally requested under 15 USC 1692c that XXXX Bank cease communication with me regarding the disputed charge, yet I continue to be contacted about this issue, and worse, it has been reported inaccurately to all major credit reporting agencies. 

Next Steps and Legal Recourse I expect a written response to this letter within 14 days that addresses my requests, specifically regarding : Immediate correction of any negative credit reporting tied to this fraudulent charge. 
If this matter is not resolved satisfactorily, I will be forced to take further action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal action to protect my rights under the Fair Credit Billing Act ( FCBA ) and Fair Credit Reporting Act ( FCRA ). 

Please treat this matter with the urgency it demands.
Product: Debt collection

XXXX XXXX XXXX today sent yet another Demand Letter for a debt that was paid in full ( actually overpaid ) through a XXXX XXXX XXXX. 

Previously, I filed complaint # XXXX through the CFPB and believed that this issue was resolved. Apparently, it was not. 

How many times do I need to deal with this same problem before they are fined and I receive some form of compensation for their illegal actions? This is ridiculous and a complete waste of my time and the resources of the CFPB. 

They need to be audited, have their record keeping systems fixed or be sued. Imagine their profits by doing this to enough customers who do not keep records or feel too intimidated to fight back.
Product: Credit reporting or other personal consumer reports

I need immediate update to my personal information : My name should read as XXXX XXXX. 
Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Employer : XXXX XXXX XXXX All others should be removed as non-mailable addresses. I have tried to correct over the phone and via disputes and have been unsuccessful. This a violation and I am the consumer and the bureaus are in violation of federal law. 

Privacy Act of 1974 ( 5 U.S. Code 552a ) 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
Product: Debt collection

The debt was bought by XXXX XXXX XXXX XXXX and was paid last year to the collection company and it was removed from my credit. 6 months later it appears on my credit with a different collection agency but same debt that was already paid.
Product: Mortgage

We started in XX/XX/XXXX applying to BB & T for construction loan. With no debt and adequate income it took 4 months to get approved. The funds disbursement agent was only available by email. If I asked more than one question, only the most brief answers to one of the questions. Yet 3/4 of each email contained all the days she would be out of the office and if she was going to be there - the hours of that day she would be available ... 

When we were finished building in XXXX XXXX, the final draw was issued. Our file was supposedly closed and sent somewhere from the construction dept. Four months went by and I couldn't get a closing date scheduled. I called many times and got a big runaround. I was being charged each month for interest only, which grew significantly due to all funds being disbursed. Every month I was charged {$53.00} for flood insurance. This was to be put in escrow. 

Our portfolio is also with BB & T wealth department. I initiated a request to liquidate the portion necessary to pay off the loan. When the wealth department heard this, a closing happened in 2 days! 

My complaint now is that after paying flood insurance for 2 years, my flood insurance expired!! I was never informed about needing an elevation certificate, although we had one ( pre-final ). So I ordered that and had it sent to BB & T. The insurance agent said she forwarded the renewal and payment requirement 3 times! No payment has ever been made by the bank!! I paid it myself this morning and I will be sending an immediate request for refunding all the excess I've paid over the last 2 years! This has been a nightmare with BB & T since the first day.
Product: Mortgage

Ocwen Loan servicing is my Mortgage agency and I have been mortgage transaction with them for the past.5 years After being with them for 5 years, they sent me a note and a phone call 2-3 months ago to tell me that I no longer have escrow insurance with no reason. ( Please note : I automatically direct payment from my bank monthly. ) XXXX too is my insurance agent through XXXX. My problem is around 2-3 months ago I received a letter from them stating that I do n't have escrow insuruance for no reason. I became scared so I contacted XXXX insurance co. After a long XXXX conversation with XXXX agent, Ocwen agent and myself, I was told to write an authorized to them to installed back my escrow insurance thinking that everything has been solved. Since then almost every two weeks or so Ocwen co calls to harass me with this case. XXXX times when I call to inquire we go through the same routine and spend almost 3 hours with them, trying to solve this problem even after talking to their manager and they promising to resolve this problem. Also when I talk to Ocwen with my problem, I get people with XXXX thick accent which I can not understand them. Thanks XXXX that I have XXXX agent with me who understands them and helps me all along. 
All I want them to do is to do XXXX payment including my mortgage and escrow insurance all in XXXX that I have been doing all along for the past 5 years. Frankly Ocwen is a very bad company, they are causing me a lot of sleepless night and I am recovering from XXXX and I do n't want this to cause me a XXXX as well.
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than XXXX business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXX Balance : {$2700.00} XXXX XXXX Balance : {$1200.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX : {$590.00} XXXX  XXXX XXXX XXXX XXXX {$1300.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance Owed : {$330.00} XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

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

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

Items that need attention XXXX XXXX XXXX XXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

LEXISNEXIS says that a public record is verified and sold their incorrect information to other credit reporting agencies and refuse to delete the incorrect information. At which I have documentation that I sent LexisNexis on XX/XX/2018, for a deletion of said incorrect information. LexisNexis refused ft follow the letter of the law.