23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Upon checking my credit reports through XXXX ( XX/XX/XXXX ), I noticed a collection entry by Portfolio Recovery Associates, XXXX # XXXX for the amount of {$1800.00} from XXXX. I then contacted Portfolio Recovery Associates @ XXXX to advise them that this is NOT my debt and to provide some type of documentation verifying the debt is in fact mine. I was simply put on hold for extended periods of time with no resolution. 

On XX/XX/XXXX, I reviewed my credit reports again on annualcreditreport.com and noticed this debt was still on my reports. I also noticed that this account is reflecting an open date of XX/XX/XXXX and an update of XX/XX/XXXX which appears to be a common illegal practice in the collection industry known as " Re-aging '' a debt. Further calls to Portfolio Recovery Services have gone unfounded. 

This company 's actions are causing me continual financial hardship as I am unable to secure a mortgage due to this.
Product: Debt collection

I was taken to XXXX XXXX XXXX XXXX on XX/XX/2018. Because I was unresponsive the lady at registration put in the wrong in formation, instead of XXXX XXXX XXXX she put XXXX XXXX XXXX. On my insurance card was XXXX XXXX XXXX. So after I got better everything was clear between the insurance and the hospital. Everything was paid the same day of service XX/XX/2018. Until this day I have a bill for {$610.00} that I do not owe. My insurance called this collection agency and they did not fixed it. It still there two years after. My credit score went down. I mailed the receipt of payment and nothing, to the collection agency and credit bureaus. And still on there
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER XXXX XXXX XXXX SECTION XXXX XXXX. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple unauthorized credit inquiries on my reports from Experian, XXXX, and XXXX. These inquiries were made by various entities, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others, between XXXX and XX/XX/year>, without my consent. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681b, a credit report may only be accessed with the consumers written consent or if related to a transaction initiated by the consumer. These inquiries do not appear to meet those conditions. Additionally, Section 1681m requires that I be notified when my credit is used, but I have not received any such notices.
Product: Checking or savings account

On XXXX XXXX 2017 US Bank without notice closed my account and froze my funds.
Product: Credit reporting

I had an issue with my credit profile so I called customer service at Equifax, I was transferred oversea 's to a speak with one of their customer service reps. I told them that there are a few credit cards that are not reporting on my credit report. I explained to Equifax that they are the only credit bureau that those credit cards not showing up on. The customer service rep said she would take care of it. I am in the middle of getting a new mortgage when I was alerted to this mind blowing actions this customer service rep did to my credit profile. I repulled my credit report today in disbelief what that customer service rep did. She removed my current address and replaced them with XXXX addresses that do n't belong to me, she added a tax lien tradeline on my credit report that does n't belong to me. She basically destroyed my credit rating in a single day. I want my credit profile back that I had several days ago. I am about to blow the top of my lid off and file a lawsuit against Equifax if this is n't taken care of ASAP.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute a charge-off account reported on my credit reports by EXPERIAN, violating the Fair Credit Reporting Act ( FCRA ). I request an investigation and removal of the inaccurate information.

Account Information : - Account Name : XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX Date of Alleged Default : XX/XX/2024 Dispute : The charge-off account is inaccurate and violates the following FCRA sections : - 15 U.S.C. 1681e ( a ) - Information shall be accurate : The account status is inaccurate.

- 15 U.S.C. 1681e ( b ) - Duty to correct and update information : The creditor failed to update the account status after payment/full satisfaction.

- 15 U.S.C. 1681i ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute, leading to continued reporting of inaccurate information.

- 15 U.S.C. 1681s-2 ( a ) - Duty to conduct a reasonable investigation : The creditor did not investigate my dispute.

- 15 U.S.C. 1681c ( a ) ( 1 ) - Inaccurate information shall be deleted : The charge-off account is inaccurate and shall be deleted.

Specifically, I dispute : - The account status as " charge-off '' has been remove from my credit report.

Request : I request the CFPB to : 1. Investigate this matter and require the creditor to correct the inaccurate information.

2. Remove the charge-off account from my credit reports.

3. Remove any negative marks associated with the disputed account.

Supporting Documentation : I have attached copies of : - My credit reports showing the inaccurate information.

- Driver License - Social Security -Proof of Residence Please investigate and take appropriate action to correct the inaccuracies.
Product: Credit reporting or other personal consumer reports

My CURRENT and ONLY address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the treatment of charge-off accounts by credit reporting agencies XXXX, Experian, and XXXX, in violation of 15 USC 1681 ( 2 ) ( a ) ( i ). This issue pertains to the improper categorization of charge-off accounts as income by the Internal Revenue Service ( IRS ) , as well as the inclusion of these accounts on my credit report despite legal prohibitions. The IRS considers charge-off accounts as income, which is a policy that is fundamentally flawed and unfair to consumers. Charge-offs represent debts that have been deemed uncollectible by creditors and are typically written off as losses. However, the IRS treats these write-offs as income to the consumer, resulting in tax liabilities for individuals who are already facing financial hardship due to the inability to pay off these debts. Furthermore, according to 15 USC 1681 ( 2 ) ( a ) ( i ), credit reporting agencies such as XXXX, Experian, and XXXX are prohibited from reporting information that is inaccurate or can not be verified. Charge-off accounts, by their nature, are debts that have been discharged or written off by creditors and should not be included in credit reports as they no longer represent active obligations. Despite these legal mandates, I have observed that XXXX, Experian, and XXXX continue to report charge-off accounts on my credit report, which is not only inaccurate but also damaging to my creditworthiness and financial standing. This practice creates unnecessary obstacles for me in obtaining credit, securing housing, and accessing other financial opportunities. Therefore, I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate actions to ensure that XXXX, Experian, and XXXX comply with the provisions of 15 USC 1681 ( 2 ) ( a ) ( i ) by ceasing the reporting of charge-off accounts on consumers ' credit reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Dear CFPB, I am writing to formally submit a complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion. I recently reviewed my credit report and noticed that my positive credit card account with XXXX XXXX has been deleted from my TransUnion credit report. Credit Card accounts stay on your credit report for 7 years. 

After contacting XXXX XXXX  customer service, I was informed that they reported to all three credit bureaus XXXX, XXXX, Transunion on XX/XX/year>. However, Transunion has failed to accurately reflect this information on my credit report. Instead they deleted from my credit report.I will be uploading screenshots to demonstrate the discrepancies in the accounts listed, and report this matter to XXXX. 

Furthermore, Transition has violated 15 U.S.C. 1681 ( a ), which pertains to the accuracy and fairness of reporting. I did not provide TransUnion with oral or written consent to pull my credit report, and this action has adversely affected my credit history by shortening it. 

I kindly request that the CFPB intervene and compel XXXX to restore my XXXX XXXX account to my credit report. Thank you for your attention to this matter. 

Sincerely,
Product: Money transfer, virtual currency, or money service

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 proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress of these violations
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX I Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXXXXXX XXXX I XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

The beginning of XXXX in XXXX  there was a charge using my debit card to a company named XXXX XXXX in XXXX Idaho. This charge occurred while I was physically in Montana and the banker said because the thief used my debit card with my pin, that they could not refund me the XXXX that was charged. 

I pleaded my case pointing out that I was not physically at the store where this purchase took place, I was in Montana at the time the charge took place and that I had my debit card in my possession.
Product: Credit reporting or other personal consumer reports

I am raising a dispute regarding the continued verification of inaccurate information on my credit report. The attached letters clearly show that the information being reported is not accurate. Despite this documentation, your agency has not made the necessary corrections and continues to report the information as accurate.

This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which mandates proper investigation and correction of disputed information. I request that you take immediate action to reinvestigate and either correct or remove the inaccurate information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

was obviously NOT properly verified nor validated, nor updated because this information is clearly not reporting correctly which is a violation under the FCRA section XXXX and you basically lied to me. So once again, how did you properly validate this account if the ( Open Date, Date of last Activity, Payment History ) is still NOT reporting correctly on each credit bureau. Nor did you supply the documentation I originally requested. So how did your properly verify this, if all this is wrong? So I demand that you delete this inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I got a hard Inquiry from XXXX through Experian. I had called both company 's asking them to show me something I signed or or authorized. Because I knew this was fraud and not authorized by me. 

XXXX said it should be removed off my credit file but according to creditwise.com it is still there. 

I have no account with them and I never applied for any account. Thank you
Product: Debt collection

They sent my mother-in-law a text with a link and the account number they have for me. I have never heard of this company or received a text myself. I have never used my mother-in-law 's cell phone number in regards to any of my financial needs, not even as a reference. So, I don't even know how/why they would think it was appropriate to share any information with her on any matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Act XXXX XXXX XXXX account # XXXX 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 instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. I am submitting this complaint to you today to request that Transunion run me copies of documents bearing my signature to prove the status of the disputed account. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please repair the account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2022, I mailed dispute forms to XXXX, Experian, and XXXX along with a copy of my valid ID, social security card and a utility statement. In my letter I requested correction of my personal information as well as accounts with ownership and reporting errors. 

( Please see attached letter and dispute form. ) The three credit reporting agencies did nothing to verify, remove, correct or update to the correct information provided.
Product: Money transfer, virtual currency, or money service

I am filing a complaint again 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Have received multiple phone calls to my cellular phone from a debt collector at XXXX asking for a person that I do not know ( XXXX XXXX? ). I have told them on multiple occasions that they have the wrong number and that I do n't know the individual they are looking for, however, they keep calling back. I received a voice mail from them again today and I returned the call to notify them that they have the wrong number for this person and that I do not know anyone by that name. Each time I started to explain to him that they have the wrong number, he hung up on me. So I called back twice more. The second time he hung up again and the third time I called he started saying obscene things like " maybe you keep calling back because you want to give me a XXXX or you want XXXX '' and " can I look you up on XXXX. '' I told him I was going to report them for harassment and he continued to say obscene things until I hung up. He never agreed to remove my phone number from their records. I asked him repeatedly for the name of the business he worked for and what his name was and he would n't give me either, just kept repeating obscenities. He had a thick accent, so I could n't understand what the name of the business was when he answered the phone. I did a reverse lookup for this phone number and the XXXX XXXX shows it as a " suspected spam '' debt collections company in XXXX, FL with multiple spam reports.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax, Experian and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, Experian and Transunion consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax, Experian and Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding.
Product: Mortgage

I closed on my home on XX/XX/XXXX, and our homeowners insurance was paid in full at losing in the amount of {$2400.00}. My loan was sold to XXXX XXXX in XXXX, and they became our loan servicer in which they also paid our homeowners insurance of {$2400.00}. I made contact with Citizens and explained that our homeowners insurance was paid in full at closing. 

I was informed that the payment for the homeowners insurance was already sent and that there was nothing that could be done, and apply the amount of {$2400.00} back to my escrow once I received a refund from our insurance company. We received a refund and made a payment to our escrow in the amount of {$2400.00}. That payment should have cured the escrow shortage - {$1000.00} that was caused by Citizen 's failure to recognize that our homeowners insurance was paid at closing. 

Based on Citizens failure to properly apply our payment, they have sent us a letter stating that we have an escrow shortage and that our mortgage payment will change effective XX/XX/XXXX. I have called their customer service number multiple times and they are not able to locate the payment that was made in the amount of {$2400.00}. We have proof of payment, and i requesting that the payment is applied to our escrow immediately and our escrow is corrected along with our monthly payment.
Product: Credit card

I have had a XXXX XXXX XXXX XXXX for years which is supposed to provide XXXX the points for XXXX XXXX purchases which it has not since XXXX of this year. 

I have called the bank on multiple occasions and they keep saying that it's an issue they are aware of company wide and are working on a fix. Originally they said it should be done by XXXX then XXXX and now they are unsure. 

This has not been a problem in the past and it needs to be corrected immediately. The XXXX largest bank in the country clearly has the technology and resources to deliver on the promises they make which is a huge failure in consumer confidence.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Acceptance Corp. listed an account on my credit that is not mine. I do not own this vehicle never owned this vehicle I have no affiliation with this vehicle. On numerous occasions between XX/XX/XXXX-to present day I have informed them of this mistake and repeatedly they ignored me and furnished no proof of me acquiring this debt.
Product: Mortgage

Dovenmule sold my loan to rocket mortgage. After they sold the loan they did not properly close this account which led to me receiving a XXXX late. I contacted them over XXXX times and talked to supervisor everytime. First contact was on XX/XX/2021. Absolute worst customer service I ever dealt with. I have XXXX credit cards and XXXX houses and never had XXXX late payment. Dovenmule mortgage does recognize it is a mistake on their end and claimed they were working on it but they never meet their own deadline when it comes to keeping me updated in their emails with dates they promise to update me. To keep this story short Im very unhappy because I had to hold off my refinance because of their incapability of running a business and taking care of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX  a couple of times to complain about a report on my credit that was dismissed through bankruptcy, it was for a student loan that I had got 10 years ago and had been paying on it every since, never a late payment, when I filed my bankruptcy the student loan was included and all of my debt was dismissed through Chapter XXXX. I had a co-signer on the loan and the creditor tried to collect from my co-signer 3 Months later, when my co-signer called me and told me what was going on I immediatedly call XXXX XXXX and worked out an agreement to resume payments until it was paid in full, I also made up the payments that were missed during the bankruptcy proceeding and am now current. I spoke with XXXX  and Experian regarding the same issue and it has been resolved but for what ever their reason XXXX has not removed the 4 missed payments and my debt to then has been dismissed
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX