23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the items is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

All three major credit bureaus were notified via certified mail and online. certified mail ( XX/XX/XXXX ) and online ( XX/XX/XXXX ) via dispute of a collection account that was being reported that was not mine. We have spoken with the original creditor several times. The original account was never validated back in XXXX with a different collection agency and was removed from Experian. It was then sold and added back to my credit reports and we are now disputing again. The new collection agency failed to properly validate this date per the FCRA and Texas Finance Code, the credit agency failed to properly validate this claim. XX/XX/XXXX - they refused to update this claim stating it had been verified. The most recent dispute asked them to validate and provide their method of verification as we know this account can not be verified because we spoke with the original creditor again on XX/XX/XXXX and again they have no record of me never having an account or an account being sent to collections, that I am eligible to apply for an account. The collection agency also stated they were under no obligation to provide any original documentation showing proof this account was not fraudulent and belonged to us and they would only verify to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter asking the credit agency to verify the accuracy of the accounts and they sent a credit report back after investigation with the same inaccurate information. 
The law states that 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 investigation. ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. This is willful disregard of the FCRA. Also, they are still reporting outdated addresses which I've asked several times to remove.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 XXXX XXXX XXXXXXXX XXXXXXXX XXXX  added a derogatory on my credit report per XXXX XXXX XXXX XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, XXXX XXXX XXXX XXXX XXXX violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, Ic. ) a to in de qua to 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 0:35 was untair and seceptive, 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

In the previous letters I have requested the investigation of the elements that do not coincide and the elimination of them, taking into account the fair credit law, which states that I have the right to be informed of the status of my account and the report of the accounts must be 100 % accurates
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX I am writing to dispute inaccurate information on my credit report that I believe is harming my financial well being. I am aware of my rights under the Fair Credit Reporting Act and request a through investigation into these inaccuracies as required by law. 

I mailed dispute letters to Experian and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX that all resulted in inadequate investigations. 

Recently the XXXX filed a lawsuit against Experian for failure to properly investigate legitimate consumer disputes, citing " sham investigations " and other unlawful practices. These illegal practices as outlined by the CFPB included : 1. Conducting inadequate investigations that fail to address consumer disputes properly.

2. Reinserting previously disputed and inaccurate information.

3. Failing to notify consumers about investigation results.

4. Failing to perform investigations at all by sending " stall letters " to customers questioning the validity of the disputes. 

I believe I am a victim of these allegations. I received several letters from Experian ( I will attach one to this complaint ) questioning if disputes I sent tot hem were actually sent by myself and requesting me to call and 800 number. when calling the 800 number they took my information but did absolutely nothing in regards to my requested disputes and never even mailed me a denial letter on behalf of my disputes. 

These practices highlight systemic issues by the credit reporting agencies that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on my credit reports. 

I am concerned that any future disputes I make on my behalf will also be addressed in a similar manner hence my complaint to the CFPB. 

Sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Notification from XXXX XXXX about Your Credit Card Application Indicates a score an XXXX Credit Score of XXXX. 
XXXX is not reporting this score!! 
Multiple unauthorized inquiries by auto dealerships in order to attempt to acquire vehicle funding to sell vehicles. 
I DID NOT AUTHORIZE THESE INQUIRIES!!
Product: Checking or savings account

I received about XXXX in my account from unemployment, Louisiana Workforce Commission. Chime then froze my account with about XXXX left in there. Stating I broke an agreement. I contacted them and stayed if I broke an agreement send my money back to Louisiana Workforce, which they claimed was done. I spoke with Louisiana Workforce and they stated it was never done. So now chime bank believes they should keep my taxes money I never received. I sent them a copy of my I'd, a selfie, birth certificate and my paper work from unemployment. They are still trying to keep my money.
Product: Mortgage

On XX/XX/XXXX, I was given a Closing Disclosure that showed {$3000.00} that I needed to pay to close. On XX/XX/XXXX, ONE day before closing, I got yet another Closing Disclosure that had increased to {$5500.00} leaving me less than 24 hours notice to sustain an increase that was almost DOUBLE! It's illegal as the amount should not increase any more than 10 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted The Chex System more than one also contact the consumer reporting agency to get the issue resolved. XXXX XXXX XXXX Is reporting statements and addresses that are causing me serve distress preventing me of employment, banking and also defamation of character. It embarrassing to have such a statement written about me. Ive never committed any fraud with anyone nor do I owe any balance. Ive contacted XXXX  XXXX XXXX multiple times asking for validation of this this so called account. Ive attached both what the Chex System has written about me and also the response of XXXX XXXX XXXX. They only send me Bank Statement that clearly has an address that doesn't belong to me nor am I associated with it. The Chex System removed this Account over a year ago than turn around months later and resubmitted it to there reporting system. 

XXXX XXXX XXXX is violation of 15 USC 1692 for reporting inaccurate information and also sending their logo via communications. 

The Chex System is also in violation of 15 USC 1692 for sharing my private information in which I never gave consent to and also sharing misleading and inaccurate information. 

attached is proof of my address, identity and also Exhibit A Chex System reporting wrong information Exhibit B XXXX XXXX XXXX proof of violation 15 USC 1692 ( B ) ( 2 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account.

CREDIT ACCEPTANCE CORP # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit reports and discovered accounts that I did not authorize. I have reported the attached accounts to all three credit reporting agencies and they have not corrected this information. Also, to have these fraudulent accounts removed immediately. No action has been taken to remove these fraudulent accounts.
Product: Credit reporting or other personal consumer reports

I did not make these inquiries. These inquiries are not mine. 15 USC 1681B XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I get 2 or 3 phone calls per day from 2 companies with 2 numbers that I dont respond to. Only one, Cavalry Portfolio, left one message from XXXX stating it was a debt collector & I was to call back. The other call comes from XXXX from XXXX but again I will not answer. These calls come at least 2 times a day, Monday through Friday about an hour or less apart. This has been happening for several months. I have had this phone number for almost 7 years. I dont owe anyone or any company money. Am a XXXX XXXX citizen.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX XXXX Credit Card Experian shows I am 60 days late making my payment. I made my XXXX payment XXXX payment as well as my upcoming XXXX payment. 
I disputed this with Experian then disputed their results sending them my XXXX XXXX Credit Card statement. It still has not been updated to show I am current on my payments
Product: Credit reporting, credit repair services, or other personal consumer reports

I did 5 dispute with Equifax XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for the amount of {$2500.00}. XXXX, XXXX XXXX XXXX XXXX was the Attorney for the Plaintiff, XXXX XXXX XXXX. I was the Defendant, XXXX court # XXXX & XXXX. I owe no money at all.
Product: Debt collection

I was renting an apartment from XXXX over 2 years ago. And am now just seeing I have a XXXX dollar past due bill sent to the collection agency IQ Data int'l. My roommate at the time already paid what was due on the apartment after we moved out. And I am currently trying to track down proof of that transaction.
Product: Checking or savings account

I went into BMO ( formerly Bank of the West ) on XX/XX/XXXX on XXXX and XXXX XXXX and I spoke to XXXX the bank manager about the information Bank of the West had listed on my XXXX XXXX report from ( XXXX during COVID ). XXXX would not listen and she kept looking at her phone. ( When she did listen she ended up calling another number on my Credit Report ) That was not associated with my account. I called XXXX XXXX and I asked her to speak to them as the information was not accurate. XXXX refused and I got upset and left. The manager from the BMO office on XXXX called me and told me to immediately close my accounts as they refuse to do business with someone like me. ( Her character was unprofessional, mean and nasty ). She refused to listen to me. Dated in XXXX on my report it says account closed for " Account Abuse ''. Don't know what that means as Bank of the West is closed. I remember during that time of COVID I borrowed {$600.00} from the Bank of the West..COVID hit and I got behind because I had no job. I did pay all monies, including penalties of {$1200.00} to Bank of the West. Life continued and I still banked with Bank of the West. I asked for a new checking account in XX/XX/XXXX due to ongoing charges coming out of my checking account without my permission. XXXX was kind to open a new account. I was immediately notified they were closing my account as of XX/XX/XXXX due to the information on my report from XXXX. 

The bank manager I spoke to on XX/XX/XXXX was mean and nasty and refused to assist me in rectifying this situation from XXXX. I know I am not perfect and I have had issues that have arisen and have had NSF fees on my account. I lost my husband of 25 years last XX/XX/XXXX. I have made many mistakes during the year. Grief is Horrible and the first year is foggy, confusing, scary and all the above. I do NOT owe monies to the bank. To be treated as I was and told by the bank manager on XXXX losing my husband was not her problem it was mine and again my relationship with the bank is over as they will not do business with a person like me. ( I am extremely upset ). To be treated with no respect and malicious intent was gross and disgusting. ( I did not commit to wire fraud or write checks all over town ) to be treated as such like I said is Disgusting. My accounts are closed and I will no longer do business with such nastiness. 

I have been to other banks and they treat you with respect and thoughtfulness. 

I hope you have the opportunity to re-train your staff about customer service and the importance of a smile, kindness, and how consideration goes a long way.
Product: Credit reporting or other personal consumer reports

There are inaccurate inquiries on my Experian credit report that do not belong. Please remove. 

XXXX - XX/XX/year>
Product: Mortgage

XXXX XXXX at Churchill Mortgage understood that I have a XXXX. My husband XXXX and I were told that we qualified for a FHA loan, and that we could indeed move from XXXX to a cooler climate in XXXX hoping to benefit my health. XXXX told us to find a longer term hotel, so we paid {$1400.00} for one month at the XXXX XXXX XXXX, while XXXX told us to use a realtor by the name of XXXX XXXX at XXXX XXXX. Once we were up here, XXXX told us that we had to rent out our paid for condo and show him the year lease, otherwise we would not qualify. We hired XXXX XXXX, and they rented out our home. We had an inspection on the home, it was loaded with live cockroaches, and XXXX insisted I get the house and live there with the cockroaches while an extermination company would use chemicals to kill the bugs. With my XXXX, this would only worsen my symptoms. After this, XXXX told us that since we were not happy with his mortgage company, that " although we qualify for the loan, we need to go elsewhere for the mortgage. '' We can not go back to our home for a year, we can not get a loan, we have contacted about XXXX mortgage companies, and no one will help us. My house is paid for, I am XXXX and now where do I live? My credit is XXXX, my husband is a veteran of 21 1/2 years in the XXXX, and we have been working all of our lives. We are literally homeless, and a victim of XXXX XXXX from Churchill Mortage.
Product: Student loan

I moved overseas in XX/XX/XXXX, and sent to Navient a reqeust for deferment, which was processed until XX/XX/XXXX. In XXXX I sent in new paperwork, along with updated address. I indicated that I did not have a US phone to be contact at. Rather than respond to my email attempts seeking assistance and confirmation of the paperwork being mailed, the company has been outright harassing my parents, until to 15 calls daily. How this happened is beyond me ; I do not reside with my parents ( for over 15 years ), and they did not sign for my loans. The law says that Navient is only allowed to contact them one time, unless agreed to more contact by my parents. Navient has now sent me an email stating that my loans are 8 months in default even though I was in defferment until XX/XX/XXXX. They are uncooperative and in general behave with harassing attitudes.
Product: Credit reporting or other personal consumer reports

To whom it may concern : According to FCRA Section 611 ( 15 U.S.C. 1681 ( l ) ), I have the right to dispute any information on my credit report that I believe is not correct. I reserve the right to dispute any information that I deem to be inaccurate. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you XXXX  days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Payday loan, title loan, or personal loan

on XX/XX/19 i went to the company and paid my loan in cash and the rep also charged my bank account at the same time. i submitted a dispute with my bank and the company and they won't help me because i don't have the receipt. they have cameras but refuse to check the tapes. even if i had the receipt it would show i paid with the debit card because the transactions were done on the same day. this is the second time this has happened. the first time i got my money back but this time they won't give it to me. so I've paid XXXX on a XXXX dollar loan and they claim i still owe XXXX. I'm about to lose my car because i can't pay my car note.
Product: Credit reporting, credit repair services, or other personal consumer reports

Honda has refused, since XXXX XXXX, over 40 documented requests to inform me of its loan final payment calculation. Honda deliberation audio evidence is available for review and verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

THEY HAVE NOT REMOVED THE INCORRECT INFORMATION. THEY HAVE NOT PROVIDED THE SUPPORTING DOCUMENTS TO SUBSTANTIATE WHAT THEY ARE REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a mortage modification at the end of 2013 I know longer am seeing mortgage payments being report since then. We been paying on time since modification was in place and this would be a huge boost to my credit score. I  am enrolled in Experian 's credit monitoring tool which also flags things that can hurt your score like unreported mortgage payments because it shows consistency of being on time with large payments and when you don't have it you don't get the advantage of that boosting your creditor score. 

I don't know how to fix this. And somethings I've read have made it sound like it has to be researched first but I can't get good info. Like the could there be negative consequences for having reporting of mortgage payments to XXXX XXXX before the Chapter XXXX bankruptcy has gone of my report. I'm confused.
Product: Student loan

I have been waiting to have my XXXX application to be processed for almost two years. It was initially submitted by fax in XX/XX/XXXX. I contacted Mohela in XX/XX/XXXX to inquire as to the processing delay and was told the fax was incomplete as only the first of several pages came through ( though nobody ever contacted me to notify me of this ). I resubmitted the form on XX/XX/XXXX. After the status didn't change from " processing '' after several months I inquired as to the reason and was told they are waiting for XXXX to approve my employer ( the state of California ) as eligible. They said they couldn't give me any timetable for completing the application review. At this stage, I am now well past my XXXX required payments needed for forgiveness and I'm still making payments as I wait for this process to pay.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of the information on my credit report that was recently obtained without my consent. Pursuant to the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), I did not authorize the release of my personal information or credit history to your agency. 
Additionally, I would like to bring to your attention that under the Electronic Fund Transfer Act ( 15 USCS 1666b ), any financial institution is required to obtain written consent before sharing any sensitive information about an individual 's financial history. 
I request that you investigate this matter further and provide me with documentation proving that I gave consent for the credit report to be conducted. If you are unable to provide such documentation, I ask that you remove the erroneous information from my credit report immediately.