23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I 've mailed a certified letter to Equifax on XXXX XXXX, XXXX and XXXX. XXXX, XXXX regarding incorrect reporting of my XXXX XXXX XXXX student loans. Despite XXXX written requests, including original documentation from XXXX XXXX to support my dispute that XXXX XXXX has changed their name to XXXX and the XXXX delinquent accounts on my Equifax report should be reporting CURRENT they still remain on my credit in violation of Federal Law. XXXX XXXX changed their name to XXXX on XXXX XXXX, XXXX and all my loans through XXXX XXXX and XXXX were never reported past due or late in XXXX or XXXX XXXX or XXXX XXXX. Please see attached documentation from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit/my file/my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

CALIFORNIA XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$55.00}, and XXXX XXXX CT CA XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX Asset Amount : {$0.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item 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.
Product: Debt collection

XXXX XXXX XXXX XXXX Has a medical bill of mine from XXXX XXXX XXXX XXXX . I owe this debt and Im making payments. The problem I have is they have added my spouse XXXX XXXX  to this medical bill advising they are reserving their state rights to add spouses to medical bills. This is unfair as my husband has not had medical services with XXXX XXXX XXXX XXXX and is not legally responsible for this debt. I am the medical guarantor of this bill and its my personal medical insurance that has taken care of portions of this bill. Ive asked that he be removed and they advise they will not.
Product: Credit card or prepaid card

An account was opened with capital one on XX/XX/21. I received a letter in the mail stating that the kohl 's capital one card was opened. I have never opened a kohl 's or capital one card. I called capital one and they said that the card has not been used yet. I am worried that whoever opened this account has opened other cards and has committed fraud and identity theft.
Product: Mortgage

My mortgage was purchased by Arvest Central Mortgage Company, after purchasing my loan they ordered gap flood insurance on my behalf at a significant annual cost to me. The company never reached out about this situation. 

My flood insurance is paid for by my HOA and is an NFIP flood policy for 100 % of replacement cost. 

I have called 3+ times about this issue and each time they have told me that it is the companies practice to require flood insurance at the minimum of $ XXXX or the loan amount. 

Per the FDIC An institution must ensure that the minimum amount of flood insurance covering the condominium unit is the lesser of : the maximum amount of insurance available under the NFIP which is the lesser of o the maximum limit available for the residential condominium unit, or o the insurable value allocated to the residential condominium unit which is the replacement cost value of the condominium building divided by the number of units. 

I am lucky to have a background that has exposed me to mortgage requirements but it is scary that no one at this company can refer to national lending requirements. 

Your help is greatly appreciated.
Product: Credit reporting or other personal consumer reports

Original loan made from XXXX was {$280.00} on XX/XX/XXXX, which was paid off in whole to XXXX XXXX on XX/XX/XXXX, but the information remains on Experian as a negative or unpaid/written off account that changed to {$350.00} with an unpaid amount of {$71.00}. The original amount remains {$280.00}, per the XXXX statement and the collection amount requested. This is a clear falsication of the facts and is an attempt to unnecessary harm my prospects for attaining good credit by punishing me for having the account go into collections. Have attempted to resolve with Experian and XXXX three previous time since XXXX and early XXXX, especially as Experian has now repeatedly refused to remove the account from my report despite having all the necessary information to do otherwise.
Product: Credit reporting or other personal consumer reports

This complaint is a second and DIFFERENT one as I just received the dispute results from the prior complaint you have not even closed, and then found tons more errors!!!! You need to shut these credit reporting agencies down!!!!! They are incompetent and so are their workers and none do their jobs!!!! They have made stupid errors all over my report and also are not verifying and updating accounts or following the FCRA and FDCPA!!! I have attached a copy of that report and all of the new errors I have found that now need to be corrected and the laws followed!!!!!!
Product: Debt collection

ARS Account Resolution Services has ignored my written letters now on 2 separate occasions. They keep sending me a letter stating they have confirmed the outstanding balance of {$1400.00} but have failed to provide the proper physical documentation to validate the debt. XXXX can not provide the original source document according to a phone call with them today. Also even though ARS may not be guilty of breaking federal law HIPAA the medical facility is because I do not have an recollection of signing a waiver stating they could share any of my personal information with anyone other than me. Unless they have this on file the information that they turned over to you is in violation of HIPAA. There are bylaws in place in both the FDCRA and the FCRA that states that if you are going to try to collect on a debt you must have on file the original source document showing my signature. Without it this service or debt can not be validated. Electronic Communication simply saying you have confirmed the debt is not compliant within the law. At this point since I have tried by writing twice now, I am going to ask that you immediately send me the physical documents showing my signature validating that this debt is mine or cease with all collection activity immediately. You are to also send notification to all 3 bureaus removing any collection accounts from all 3 bureaus. If this is not done I will be forced to file compliants with all state and local agencies that you answer to as well as filing a compliant with the State Attorney Generals office asking for a full investigation into your collection practices. You as of this submission have 5 days to answer, comply and supply the proper notification that I have requested. The following accounts are being listed against me and can not be verified properly. 

1. XXXX XXXX. XXXX XXXX. XXXX
Product: Mortgage

In XXXX, I submitted a query to the loan processing company inquiring why there was an additional {$13.00} " late fee '' on my mortgage statement. After considerable time passed, they explained it was for an appraisal fee on the house I purchased in XX/XX/23, and the loan was being transferred to their organization. They included a copy of the appraisal inspection report, which was rife with untruths, and which ignored the fact that I had already paid a considerable fee at closing for a thorough appraisal. I find it impossible to speak to anyone at the " NewRez - Shellpoint '' company. Their websites make it very difficult to get contact information that actually leads to human interaction and does not include an email link for concerns/complaints. I made it clear to them in today 's letter that the sum of {$13.00} is not devastating to me, but am appalled that they, XXXX. had an appraisal without my knowledge ; 2. added {$13.00} to my statement with no explanation, 3. Apparently ignored a very detailed appraisal that had been done prior to closing, and, 4. Unquestionably accepted an appraisal that had untruths in it, including a statement that the appraiser was not allowed in by a " relative '' ( I was not in the State at the time, and there was no one at the house ), XXXX Appraised the house inaccurately, as per the original XXXX XXXX, XXXX XXXX, and original Appraisal Report. I find this kind of corporate deception unacceptable and hope that you'll agree.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent an identity theft report, via certified mail, that was received. This mail included a copy of my driver 's license, social security card, and a utility bill to Transunion Intermediate Holdings, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX because I am a victim of aggravated identity theft. According to 15 USC 1681c-2 ( a ) a consumer reporting agency must block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency. They, the credit bureaus, failed to block and remove all the accounts on the FTC Identity Theft Report. My credit report is still reporting an account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has cause me great XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a letter from XXXX  XXXX XXXX stating that I was denied for a credit card. I have never nor would ever apply for any XXXX  XXXX XXXX Products. The inquiry hit my Experian report which I have disputed as fraud and I have placed a fraud alert and froze my accounts with all there credit bureaus. I believe someone has used my information illegally as my personal information has been compromised by hacks to companies. The latest being XXXX where every single personal detail was stolen online, SSN, email, passwords, addresses. I have disputed this inquiry and am making this fraud and identity theft report to help ensure the safety of my financial and physical existence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on but to this day more than 60 days have passed, but I still got no response. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my disputes. I demand these accounts be deleted immediately or I will file for litigation due to all the troubles you caused me. My information was impacted by Equifax data breach and may got into hands of the wrong person
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX, GA XXXX Subject : Dispute of Late Payment on My Credit Report Under 15 U.S.C. 1681c ( a ) To Whom It May Concern, I am writing to formally dispute a late payment that appears on my credit report with Equifax. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c ( a ), outdated and incorrect negative information should not be reported on my credit history.

I hereby formally request that Equifax verify and remove the inaccurate late payment entry from my credit history if it does not comply with the legal reporting timeframe.

Additionally, I believe that the reporting of this late payment violates multiple consumer protection laws, including : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

I urge you to initiate an investigation under the Fair Credit Reporting Act ( FCRA ) and notify me of the resolution of this dispute within the legally required timeframe. Please provide a written response confirming the removal of this late payment from my report or supplying the required documentation validating its accuracy.

I am attaching a copy of my identification and my credit report with the disputed late payment highlighted for your reference.

I appreciate your prompt attention to this matter and expect your response within the 30-day legal period. 

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

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, CA XXXX Dispute Regarding Civil Liability for Negligence and Non-Compliance To Whom It May Concern : I am writing to formally dispute the negligence and non-compliance I experienced in relation to a dispute that wasnt correctly fix on one of my accountsAccount name XXXX XXXXXXXX XXXX XXXX Lease Date opened XX/XX/year>, inaccurately reported my credit history with XXXX XXXX also didnt resolve the issues which occurred XXXX Date Generated XX/XX/year>, two other dates where I filed a dispute but nothing happen XXXX XXXX and XXXX XXXX  The actions or inactions by your company have resulted in significant inconvenience and potential damages, and I am requesting immediate resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking over my report and I discovered some addresses that are not accurate.Please remove the following addresses : XXXX  XXXX XXXX XXXX, XXXX   XXXX, TX XXXX XXXX XXXX XXXX , XXXX, TX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX, TX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX  XXXX XXXX   XXXX, XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, TX XXXX I have noticed a few numbers on my credit file that are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX   XXXX/XXXX # XXXX XXXX  XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX  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: Debt collection

I bought a car from XXXX in XXXX Delaware. I only had the car 30 days and transmission went up. The car was over heating and I called them they told me to drive it that it would be fine but the transmission blew due to them making me drive it. There is a lemon law in that state. They called me several times and threatened me and my boyfriend that if we didn't pay they were going to sue me when it was there fault. They even offered 2 pay for the work because it was there fault then when the place called and said how much then that's when they wanted me to pay.
Product: Checking or savings account

My credit rating has been damaged by perjurious allegations made by Wells Fargo, a company that gave me negative marks for not paying the monthly service charges on an unauthorized and empty checking account. Said checking account used to be authorized, but Wells Fargo refused to shut it down when I no longer needed it or wanted it. Wells Fargo has a well-documented history of trafficking in unauthorized bank accounts.
Product: Money transfer, virtual currency, or money service

I 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 process was unfair and deceptive, as they did not comply with erro 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 or other personal consumer reports

Based on, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. These accounts has violated my rights.

Pursuant to 15 USC 1681 section 602 A states I have the right to privacy.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 
I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete all the list of items above. You are required to do what I am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. 

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

I'm in Tennessee and was married for 3 years to my husband that XXXX XXXX   in XX/XX/XXXX. He was diagnosed with XXXX XXXX in XXXX and only lived XXXX XXXX from his XXXX. AFFILIATED CREDITORS INC has reported that I have medical bills that have gone to collections. These bills were addressed in my husbands name only in the beginning. He XXXX XXXX. I noticed in XX/XX/XXXX that ACI put these on my credit report as well as changing the addressee name to mine. I have messaged them through their website and had one of their employees contact me via phone per my request. I explained that this was my XXXX husbands hospital bills. Our health insurance was under my employer, but I never signed any document saying I would be responsible for paying his bills. I was told by the Affiliated Creditors representative that this should have been on his credit report, not mine. She was going to reach out to her supervisor and call me back. Instead, I continue to get bills now addressed to me. Please have these removed from my credit report. I've worked hard to pay my bills on time. 

XX/XX/XXXX {$1800.00} XX/XX/XXXX {$950.00} XX/XX/XXXX {$290.00} XX/XX/XXXX {$910.00}
Product: Credit reporting or other personal consumer reports

I have a valid complaint of a violation that XXXX has placed on my credit report. As a consumer I know that congress has said that a creditor may not report information pertaining solely as to transactions or experiences between the consumer and the person making the report which was XXXX. Because XXXX violated my rights by placing a " 30 day late '' on my credit file. The credit reporting agencies has put inaccurate information on my credit report without properly verifying the information was correct and accurate. I contacted Experian and XXXX by phone expressing my concerns in XX/XX/2023 disputing the inaccuracies. Seven days later Experian emailed me saying that the information was verified and accurate. XXXX never responded back. So I then sent a letter to Experian, XX/XX/2023, CERTIFIED MAIL NUMBER : XXXX XXXX XXXX XXXX XXXX explaining to them how they are in violation pursuant 15 USC code 1681a 2 ( A ) ( i ) and that I wanted it to be updated to " PAYED AS AGREED NEVER LATE ''
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, 3 Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX  XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$590.00} ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Was told account was closed but still getting statements. Attempts to close through phone support send me into hold.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing on my credit report has an opened account with an amount of {$29000.00}. This is a previous land lord at XXXX XXXX XXXX in XXXX FL. They're showing as a mortgage loan with a scheduled payment of {$250.00} which is inaccurate. 

I rented from them during Covid-19. I moved and was not evicted from the unit. 
They're saying I was evicted which is false. During that time nobody was allowed to be evicted. I moved from the unit XX/XX/XXXX. 

The file shows a Last Updated date of XX/XX/XXXX XXXX, XXXX with a XXXX XXXX At least 120 days or more than four payments past due. Which is incorrect since I moved in XX/XX/XXXX. The Rental Assistance Program has reached out multiple times to XXXX XXXX XXXX XXXX to offer a payment and they did not respond timely. 

More over no land lord was suppose to be doing evictions or reporting during that time to begin with. I need XXXX XXXX XXXX XXXX to be removed from my credit file immediately.