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

When I or lenders attempt to pull my report from equifax the report will not pull. I have made several phone calls to equifax regarding my issue and have been told my account has no freeze on it however there was a spelling issue of my first name. 

I sent in documentation as requested XX/XX/XXXX and allowed a week to process as requested. I called XX/XX/XXXX to see if the documents were received and the representative advised no documents on file and also said there was no need to mail documents in order to fix the spelling of my name. 

Eventually the representative I spoke with last on XX/XX/XXXX was able to correct the problem and I received a confirmation that my first name was corrected XX/XX/XXXX. I attempted to pull my credit report from annual credit report.com and I was still unable to pull. 

This has been an ongoing issue since XX/XX/XXXX and I eventually gave up on getting the issue correct however recently I wanted to try again thinking time may have corrected the issue and have been unsuccessful.
Product: Credit reporting, credit repair services, 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. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been trying to modify my loan for almost FOUR years now, since XXXX XXXX. The XXXX XXXX packages I filed, all with MetLife and then the last transferred to Chase, were mishandled and processed as Short Sales ... NEVER was any paperwork completed for a short sale during that time frame. I filed a complaint with Chase 's corporate office and they looked into the matter. They returned a denial for assistance very quickly. So the house was then put up for Short Sale in the end of XXXX. XXXX offer came in and by late XXXX was withdrawn due to the buyer failing to meet certain requirements. I again filed a modification package, using an attorney ( XXXX XXXX XXXX XXXX ). XXXX of XXXX Chase informed me that they needed a Request For Mortgage Assistance form ... it was with the original package yet they mysteriously lost it. My attorney confirmed it was sent, but I resent everything on XXXX XXXX. XXXX XXXX I called and verified they received everything, they did. Now they needed a Quit Claim Deed Form?? I have been doing this ALONE for almost 4 years and they just now tell me I need this form?? The co-borrower would not sign and I came home on XXXX XXXX to find a Sheriff 's Sale notice. Calling Chase I learned they put it in the system XXXX XXXX, THE DAY I TALKED TO THEM ABOUT MY PACKAGE! 
Now Chase is telling me they have no record of the previous packages in their system, they only see the short sale and this resent package. Offered no help so I called the Executive Office ( XXXX ext. XXXX ) and tried to speak to the representative handling my account ... NO ANSWER. Left voicemail - XXXX TIMES - no return calls. 
I am disgusted how these big banks push us around and throw our accounts around like they are nothing to them ... well this is my home that I share with my son and enough is enough! Lawyers are telling me my only alternative is to file for Chapter XXXX bankruptcy, which is the last thing I want to do seeing that there is no guarantee that acceptable terms for a modification will be reached ... leaving me still with a foreclosure on my credit and the addition of a bankruptcy?!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Goodwill Removal of Late Payment Dear XXXX, I hope this letter finds you well. I am writing to request your consideration in removing late payments from my credit report for the accounts listed below. I have been a responsible and timely payer overall, and I sincerely regret the oversight that caused the late payment in question. 

Account Information : XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX The late payments occurred due to a rare medical condition I was dealing with during that time. This condition caused unexpected health complications that made it difficult for me to manage my financial responsibilities. While I fully understand the importance of making payments on time, my primary focus during that period was on recovering my health, which caused a delay in my payment processing. 

Since then, I have made every effort to get my finances back on track, and I have ensured that all my payments are up to date. I deeply value my credit and am committed to maintaining a good payment history moving forward. 

As a loyal customer, I kindly request your assistance in removing these late payments from my credit report as a gesture of goodwill. I believe this removal would more accurately reflect my overall creditworthiness and my commitment to fulfilling my financial obligations. 

I greatly appreciate your time and understanding, and I look forward to hearing from you regarding this request. If you require any additional information or documentation, please feel free to contact me. 

Thank you for your consideration. 

Sincerely, XXXX XXXX
Product: Debt collection

Someone has used our information to create a PayPal Credit account and charged over {$1000.00}. We have gotten daily calls to both our cells even though we have reported it as a fraud, have a case number, and reported to our credit agencies. They just keep calling! I 'm going to have a XXXX XXXX. We are elderly and it is abusive. We have excellent credit and always pay our bills. Please please help us!!!
Product: Money transfer, virtual currency, or money service

On XX/XX/20 funds were issued through employment security Commission and i had to call and update info to get new debit card. I found out later that i could possibly get emergency funds so i would have money for a motel while i waited for card to come.the rep said she filled out application and just had to get approved by supervisors. She had my phone number in case of disconnect and 2 hours later i get disconnected and when i call back my card has been blocked because of her mishandling my account.i was on the phone until XXXX with NO luck and i was told it voided new card also. Im not happy and can't tell anyone in fear of being disconnected repeatedly.i am being punished for her mistake and they do not have protocols in place to insure customers don't have to deal with this. I am just so mad at B.O.A because i need my funds. Thanks for any help you can give me sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I have submitted many complaints/disputes with Credit bureaus. had waited for 30 or more than 30 days No outcome received. all the time they just had sent me the Generic Response, that " We have investigated the issue & charge on your account is correct '' there is no supporting documents. My questions is different, their answer is different. Since, i am in litigation, & my request was to remove those account from my account till the Honorable Court Decide the issue. I already had made this request to the Credit bureau several times, but no response Name : XXXX XXXX SSN : XXXX DOB. XX/XX/XXXX Dispute with XXXX XXXX XXXX Number of Accounts. 02 Pls. note, if there is any confusion pls. call on XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) sir 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: Vehicle loan or lease

Good Day : Pray all is well. I am an XXXX XXXX Veteran. My car was totaled on XX/XX/year> due to driver hit the car from the back. The XXXX XXXX XXXX XXXX XXXX & I have trying to my car loan company - Regional XXXX XXXX Claim department to fax the Letter of Guarantee to pay-off the loan but to no avail. XXXX wont let me speak to the Claim Representative to address this issue. Moreover, XXXX is still want me to make payments on the car loan even though its been Totaled. I have XXXX insurance to pay the remaining amount off, yet they wont stop the payments. 

As stated above, as a XXXX Veteran, my vehicle is the only form of transportation for medical treatment at the XXXX XXXX XXXX. XXXX provided a rental only for XXXX weeks. XXXX XXXX XXXX informed me the process would be completed within XXXX - XXXX business days in order for me to purchase another vehicle but to no avail. 

That said, I request PA XXXX assistance in this vital matter for both parties to process the above in accordance to policy : Here is the information for both companies : XXXX - Claim # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Fax : XXXX XXXX RAC - Account # XXXX XXXX XXXX XXXX : XXXX ( XXXX ) XXXX / XXXX ( XXXX ) XXXX Claims : XXXX ( XXXX ) XXXX XXXX Thank you for your time and consideration. 


Sincerely, XXXX XXXX XXXX XXXX XXXX Veteran
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This process and request were taken care of by me and there is no third party involved. After months of processing and making follow-ups to EQUIFAX with regards to my request of getting this unauthorized inquiry to be removed from my Credit Reports XXXX Nevertheless, I have neither heard anything from Equifax nor received any kind of response. Consequently, I have decided to reach out to you to ask for some assistance and help. Equifax hasn't complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that they are to provide any documents and respond to the complainant within the given period of time allowed by the law. Otherwise, failure to comply with these should result in the removal of the items in question. Below is the unauthorized inquiry : XXXX XXXX XXXXDate of Inquiry XX/XX/2020 XXXX
Product: Checking or savings account

Money from my Chase checking account was fraudulently withdrawn twice while I had my card with me. My card was not stolen or lent to anyone. When these withdrawals occurred, I had my card with me and I was not near the area where these withdrawals occurred. I reported this to Chase, they opened an investigation and determined that the withdrawals were not incorrect and reversed the credits that were given to me to make up for the money that was stolen. I was told that I would have to provide proof that I did not make these withdrawals and said that video proof would not suffice. I spoke to a representative who said that there was nothing that I could show Chase that would demonstrate that it was fraud. I am completely stuck. 

The second time I called to ask why the investigation would be closed and the credit withdrawn, I was told that they would open the investigation again and was given no further information. A day later, I saw that the credits were taken from my account, so I called. I was told that the second investigation was closed within a day because I had failed to provide any proof that would show that it was fraud, but I was not told that I had to submit proof or given any information on where to send this proof. I don't understand why it was closed after a day when it is nowhere near enough time to even think about what exactly I can to begin to gather proof and the only proof that I could show, video from the ATM, I was told would not be enough because Chase would deny the claim and state that I had lent my card to someone. I was not given advice or tips on how to prevent this or what exactly I could do to demonstrate that I did not approve or went to the ATM to withdraw this money.
Product: Debt collection

The company continues to call me with local numbers. They will not advise me of their client until I provide personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Who m It May Co ncern   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC S EC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) liste d below are as follow : Please update to the correct address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY CUREN T ADRESS AD DRESS :  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that yo u investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the p ast six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the ite m ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required  by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comp ly with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report and I noticed Transunion you are reporting some late payments from XXXX XXXX XXXX  that are NOT accurate and I would like you to update these late payments to ON TIME PAID AS AGREED. I have listed the account name and account number below along with that date you are reporting late, and those dates need to be changed to PAID AS AGREED. I have attached a copy of my identification and notorized letter. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Dates reporting not accurate : XXXX, and XXXX Please fix this immediately as it is hurting my chances of buying a new home and these late payments are NOT accurate.
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 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 fraud transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against XXXX and the three major credit bureaus ( Equifax, XXXX, and XXXX ) due to their failure to properly investigate and correct inaccurate information on my credit report. 

The account in question is a XXXX collection account that has been incorrectly reported and verified despite my multiple disputes. 

XXXX is reporting inaccurate information. 

I have disputed this account multiple times, yet XXXX has failed to provide proper validation of the debt, including original contracts, billing statements, or proof of my obligation to pay this amount. 

The information being reported does not accurately reflect my account status and may include incorrect balances or unauthorized charges. 

The credit bureaus ( Equifax, XXXX, and XXXX ) have violated the FCRA by failing to conduct a proper investigation. 

Despite my disputes, the credit bureaus have continued to report this account without adequate verification. 

Under 15 U.S.C. 1681i ( a ), they are required to conduct a reasonable investigation and remove information that can not be properly verified. 

I initially disputed this account with all three credit bureaus, but the disputes were resolved in XXXX favor without sufficient documentation. 

I have filed a XXXX XXXXomplaint against XXXX, but they have refused to remove the account. 

I have reopened disputes with Equifax, XXXX, and XXXX, yet the account remains. 

I am attaching copies of my dispute letters, responses from credit bureaus, and my XXXX complaint for reference. 

I expect a prompt response and resolution to this matter within the required 15-day timeframe as per CFPB guidelines. 

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

In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 



XXXX XXXX XXXX : # : XXXX, XXXX : # : XXXX, XXXX : XXXX : XXXX, have 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.

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 card or prepaid card

I attempted to pay my XXXX Credit card on the due date, XX/XX/2019 at XXXX XXXX and when I click the link it would not allow me to pick today 's date. When I called in the representatives stated that any time after XXXX is considered late in the due date. XXXX will not allow you until XXXX to make a payment and that I will be charged the {$30.00} late fee even though my payment was submitted at XXXX the date it was due. I feel this is unfair as it was payed in the due date several hours before midnight.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00}, DPT EDXXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$2900.00}, DPT EDXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}
Product: Mortgage

My mortgage is financed by Freedom Mortgage. In XX/XX/XXXX, Freedom Mortgage paid two ( 2 ) mortgage insurance policies for XXXX out of my escrow account. One of these policies had already been cancelled and billed by mistake. Freedom Mortgage still paid it without notifying me or questioning the fact that they were billed by two different insurance companies. When I asked them about it, they said if they receive any bill from an insurance company with my property address and loan number, they will pay the bill. This created a shortage in my escrow account. In XX/XX/XXXX, Freedom Mortgage performed an escrow analysis on my account and raised my payment to make up for the shortage. This was reflected on the XX/XX/XXXX statement. When I saw this, I called and investigated the reason for the increase. I had to contact the cancelled insurance company and have them refund me the money. I was advised to do this by Freedom Mortgage and was told once the money was back in the escrow account, they would do another escrow analysis and correct their mistake and back date it to the increase. I finally received the money from the insurance company in XX/XX/XXXX and transferred that amount to the escrow account. Now, Freedom Mortgage will not back date the reduction in payment to the increase caused by their mistake. I also requested that Freedom Mortgage no longer pay my mortgage insurance from my escrow account as I do not feel there is any oversight on how they handle my money. This was denied by them in XX/XX/XXXX. Freedom Mortgage mishandled the funds in my escrow account and will not back date the corrected escrow allotment to the date of the increase, created by their mistake, as they told me they would.