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

I was trying to purchase a vehicle, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE XXXX YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a Equifax breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past 30 days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason : XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX. FRAUDULENT ACCOUNT Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP. 
Tracking everything CC : FTC, XXXX, CFPB Client name XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX.
Product: Debt collection

PURSUANT 15 USC 3002 I AM A NATURAL PERSON MEANING MY ALL CAPS NAME ISNT ME BUT IS MY PROPERTY. MY NAME IS XXXX XXXX and I am the executrix of my estate named XXXX XXXX. THE COMPANY, ENHANCED RRECOVERY CO, PURCHASED AN ALLEGED DEBT FORM SOME OTHER COMPANY. I HAD NO INVOLVEMENT WITH THIS TRANSACTION. Whereas I believe them to be a debt buyer, ENHANCED RRECOVERY CO, must operate under the FDCPA. I am requesting all DOCUMENTARY EVIDENCE including all ledgers, books of accounts, that pertains to account XXXX ON THE PUBLIC AND PRIVATE SIDE. failure to provide such documentary evidence is a clear violation of 12 cfr 1026.13 ( a ) ( 6 ) as I am invoking my right to obtain it in accordance with 15 usc 44. I also have never given written or oral consent for this account to be furnished on my consumer report, whereas that is a violation of 15 usc 1681 ( a ) ( 4 ) because I have a right to privacy.
Product: Debt collection

I was sent a phishing email impersonating XXXX along with a letter from TRS Recovery Services in XXXX, GA stating that they were collecting debt on XXXX  behalf. I contacted XXXX who told me it was a scam and they never tried to collect any debts from me. I'd like to report TRS Recovery Services to CFPB for their involvement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, We hope this message finds you well. Per The CFPB Complaint, We attached the legal Power Of Attorney. Has your company took the proper steps to process this document to this Security Account? You did not address this in your correspondence. 
We would like to bring to your attention Page XXXX number XXXX of the Contract Agreement, executed by the Principal, XXXX XXXX XXXX, which explicitly outlines the governing law as federal law, and to the extent applicable, the laws of the XXXX XXXX XXXX Additionally, the XXXX stipulates that if any provision is deemed void or unenforceable under applicable law, the remaining provisions will continue to be enforceable, subject to the Arbitration Agreement. Moreover, pursuant to federal law, specifically 15 USC 166B regarding the " Timing of Payments, '' We are requesting that this claim be escalated to either the Securitization Department or to the attention of your XXXX. As you are aware, Kickoff has a fiduciary duty on behalf of the principal, and we would like to ensure all matters are handled accordingly in compliance with the relevant legal and contractual obligations. Please note, wewould prefer to avoid proceeding to arbitration. However, should this become necessary, We will be instructing your corporation to cover the filing fees, as per the Consumer Rights guidelines. We trust this matter will be handled with the utmost attention and urgency. 

XXXX XXXX XXXX, XXXX Representative
Product: Money transfer, virtual currency, or money service

On XX/XX/18 I requested an online a transfer of funds from my bank to a cash payout in a foreign country ( US to XXXX ). The documents and information all stipulated that the money would be available in 4 working days. ( XXXX, XXXX, XXXX & XXXX ) and the funds should have been available on the XX/XX/18 but they were not available. 
On XX/XX/18 XXXX XXXX  EST I called western union at XXXX and they informed me that the funds would be available in 23 hours. Their explanation was that there was a bank delay.

The only bank delay was WU processing to request and receive the funds from my bank, the funds were withdrawn on XX/XX/18. 
When I called Western Union ( WU ) to clarify the issue and see if they couldn't have the funds released as promised, I asked to speak to a supervisor and was transferred to a phone that was never answered after ringing for more than 30 minutes. 
There are two issues : 1. Western Union does not care to comply with their own deadlines 2. Western Union does not care about their customer by not being truthful and transferring complaints to telephones that are not attended.
Product: Credit reporting or other personal consumer reports

Banana Republic credit card account was closed ( no worries there ). I continued making payments. In XXXX, notice was provided that account was due on XXXX XXXX. Shortly thereafter, payment was initiated ( dont recall the day ), but payment was not completed for some unknown reason. No notice was provided about overdue payment and no notice was provided about transfer of the account from XXXX to Barclays. Today, XXXX XXXX, I received notice my account was reported as delinquent. When I went in to pay the account in XXXX, login information didnt work. Thats when I discovered the account was transferred to Barclays. I was able to log into Barclays with the account info and pay the bill. I called Banana Republic to inquire about the report of delinquency and why no notice was provided about the overdue payment nor about the bank transfer. Agent told my only recourse was to file a dispute with the credit bureau, as there was no other recourse. Dispute has been filed, and were awaiting result. My primary concern is the lack of notice about ( 1 ) overdue payment or ( 2 ) bank transfer from XXXX to Barclays.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute a credit reporting from Ditech on my personal credit report. Ditech reported two 30 day lates to the credit Bureau after selling my loan to XXXX XXXX. 
My loan was sold to XXXX XXXX XX/XX/2019, then Ditech reported lates in XXXX and in XXXX. Ditech in no way tried to let me know there was a late payment. After spending 10+ hours on the phone with Ditech to try to resolve this I am writing directly to you. After discussing this with Ditech 's representatives it was found that XX/XX/2019 there was a late payment and a noticed sent then, however they reported this late not until XX/XX/XXXX and again in XX/XX/2019 ( after loan was sold and current ). When I discussed this with their representative she confirmed that Ditech had sent only one letter in XXXX, based on our hours of phone conversations the days of the month in XXXX only XXXX and they report on the XXXX, seem to have played a role in why on my end my account appeared to be current. Ditech admitted to me over the phone on one of these many calls that ultimately resulted in nothing that I had 90 days from them selling my loan to resolve anything before they can report to credit Bureau. However these reports were made the month of selling my loan and 30 days after selling my loan. Not only were my efforts made within this time allowance, they had already reported these lates. The current standing is reported as follows : MTG2 XX/XX/2019 and MTG2 XX/XX/2019, this needs to be changed and corrected. The XX/XX/2019 needs to be changed to MTG 1 and the other reporting needs to be removed entirely. My XXXX payment was late but rolled over months over months due to 28 days in the month resulting in Ditech not knowing about it until XXXX I can except that reluctantly, however making two reports is incorrect on every level. Ditech must remove the late report made in XX/XX/2019 they did not even own the loan and it was paid in full by XXXX XXXX at the time. 
DItech advised me to have XXXX XXXX contact them on my behalf since my loan was current and now owned by XXXX XXXX, after reaching out to XXXX XXXX their credit department was appalled they advised this since they in no way can represent me. My new lender ; XXXX XXXX told me they could not do anything to help me with Ditech incorrectly and un-responsibility reporting me to credit bureau. 

Please contact me with for next steps to remedy these from my credit report. 
Thank you,
Product: Credit card or prepaid card

these guys managed to make the wrong package on all my accounts, also I believe I have refunds in other accounts thye have not credited back
Product: Mortgage

My dispute is with NewRez Financial regarding the cancellation of my PMI ( {$210.00} ) back on XX/XX/2019. 
Based on my property value, the PMI should be cancelled but unfortunately due to an error of the person who NewRez assigned to perform a BPO, the PMI still being charged on my mortgage. I've provided plenty of supporting documents to show the error in addition comparable sales around my property and almost 3 months later, NewRez has yet to provide me any feedback. I've called numerous times their Customer Service line and nobody seems to know what is going on and nobody returns my calls with any type of information. NewRez assumed my mortgage early this year and to say the least it's been a nightmare.

Ironically enough NewRez constantly sends me offers to refinance my mortgage with a cash-out option obviously fully aware there's plenty of equity in my property and yet they won't cancel my PMI. This is a total scam and I'm very frustrated with them.
Product: Vehicle loan or lease

We have paid our auto loan with 6 deferred payments but our payments have been incorrectly applied to the account.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX have some fraudulent accounts appearing on my credit report. I have listed some supporting documents below.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX XXXX XXXX XXXX ) 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. ( 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. 
I want the CFPB to publish this,
Product: Credit reporting or other personal consumer reports

I was trying to purchase a house, I have damaging information on my credit profile, there should be no damaging information on my credit profile Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl, XXXX XX/XX/XXXX Social : XXXX XX/XX/XXXX CC : CONSUMER FINANCIAL PROTECTION BUREAU AND FEDERAL TRADE COMMISSION RE : YOU HAVE VIOLATED THE USA LAW FAIR CREDIT REPORTING ACT 15 U.S.C & 1681g DEMANDING ATTENTION FROM LIVE REPRESENTATIVE!!!!

Im not happy with the way your company is handling my consumer report. I was a part of a XXXX  breach and your company is still not securing my information. I have already filed complaints with the Attorney Generals Office in your state and my state about your illegal attempts to damage my consumer report. I've also made a complaint to CFPB. You sent me a letter stating that the accounts were verified but you said nothing on how the account was verified.

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g and 15 USC 1681 ( a ) ( 4 ) you have violated my consumer rights as a federally protected consumer.

Thereis not a possible way a debt can be validated under 15 U.S Code 1692g ( 5 ) ( b ). YOU ARE BREAKING THE U.S FEDERAL LAWS. You will be hearing from the CFPB about these violations. You sent me no documents or information that your company relied on to verify the account below. These accounts listed below are federal law violations and damages as a natural person. I am demanding your company to remove these accounts IMMEDIATELY As stated before, I am aware of the FCRA law. Considering your responds you are NOT in compliance with these laws. Ihave the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.I do not consent you to use the e-oscar system to verify or look over this matter. Also it has been way past XXXX days for you all to respond to my disputes which again is a violation. I DEMAND THAT YOU DELETE THESE FOLLOWING ACCOUNTS IMMEDIATELY Account : Account Number : Reason XXXX XXXX fraudulent account XXXX XXXX XXXX. fraudulent account XXXX XXXX XXXX fraudulent account Its your duty, mandated by law be in compliance with the laws.The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. Im telling you that Im ready to initiate my own investigation by filing complaints with the Attorney Generals Office in my state and yours if the above items are not deleted ASAP.

Tracking everything CC : FTC, XXXX, CFPB XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a concerning matter related to my credit report. Despite several attempts to rectify the situation, there continue to be unknown inquiries on my credit file, negatively impacting my credit standing. I believe this is a serious violation of the Fair Credit Reporting Act ( FCRA ), and I am requesting your prompt attention to resolve this matter. 

I have attached supporting documentation, including copies of my credit report highlighting the unknown inquiries and any correspondence related to my previous disputes. 

I kindly request that your agency conducts a thorough investigation into these matters and takes immediate action to remove the unknown inquiries from my credit report. As per the FCRA, it is imperative that credit reporting agencies ensure the accuracy of the information they report, and the presence of unknown inquiries is a direct violation of this regulation. 

I expect your agency to adhere to the necessary protocols and guidelines to address and rectify these issues promptly. Additionally, I request regular updates on the progress of the investigation and the actions taken to remove the unknown inquiries. 

Please provide a written response within 30 days of receiving this complaint, as required by the FCRA, confirming the steps taken to address these issues and the results of the investigation. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
XXXX XXXX XXXX : {$390.00} XXXX XXXX XXXX XXXX XXXX {$25000.00}
Product: Credit reporting or other personal consumer reports

Im filling a complaint on the inquires that has appeared on my account that wasnt filed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a collection account for XXXX XXXX of XXXX CA. It shows date of last activity XX/XX/XXXX. I have informed them and XXXX that this is in error. The date of last activity was in XXXX and as such it is well beyond the limits for reporting according to FCRA. I have disputed this account and it is ignored. I have requested validation of this account and it has been ignored. This account should no longer be reported on my credit.
Product: Debt collection

I closed my XXXX account XX/XX/2019. XXXX continued to bill me for services after that date. I had sold my house, disconnected and returned their equipment and vacated the premises. I refused to pay the charges past the date of cancellation so they've sent me to collection. I've received several notices from various collection agencies. I've responded to each one that I do not owe, nor with I pay this debt but have never received a single response. I'm responding to yet one more notice today from Afni , Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying for 2 days to obtain my credit report from Equifax. Unable to obtain it online as every browser I use gives me the same response. " Site can't be reached '' or " can't find the server ''. No problem getting my report from XXXX or XXXX. Accessed online chat with Equifax and explained my problem. Advised I had to call their customer service number. Gave some stranger in a foreign call center all my secure information only to be told I had to make a copy of my ss card and drivers license along with a cover sheet and fax it in to get my report. No one I can speak to regarding the functionality of their website and no other options given. It should not be so hard to get my report. Checked online forums and it seems that this is a pattern with Equifax making it difficult for people to access their reports. This situation needs to be looked into asap. Extremely unfair to the consumer not to mention the security risk in giving some stranger overseas all your secure information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX DOB XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX. I submitted letters to XXXX the beginning on XX/XX/XXXX. About accounts that aren't mine. They have failed to provide physical proof that the accounts are mine.This has been over almost 2 months roughly at this point 180 days. I've been trying to sort this out. I've sent ( 4 ) 609 letters and they haven't deleted the accounts that I'm concerned about. I'm beyond exhausted and have decided to file a formal complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im so frustrated I do not even know where to begin I tried to call so many times and no one answers. 

I finally over a year ago got a copy of my credit report. 

It took me forever to get the experian login because I had so many issues as my ex boyfriend which I have a restraining order on had done so much with hacking me. 

Finally I seen some things and trying to get this fixed has been a nightmare. 
I thought they fixed after sending documents to all the credit report places still only part. 

Then today to find out my social security number is wrong now And how is this that someone keeps just applying for cards. 
Im trying to get a place how to find out who is doing this. 

Someone went and put a different address I sent proof was supposed to be removed and still there. 

I have a hospital been fighting forever I was locked up they took me by ambulance because had dental work and was bleeding they had to rush me there. 
I had state insurance. 
Why?? I called attorney and they said not worth it cause Im a felon to help me. 

Please help me!!