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

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. I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX Credit Bureaus to validate this account ( A ). 
As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Debt collection

I've contacted Bank Of America multiple times to validate 3 accounts. I asked them to verify these accounts by sending me a copy of a contract with my signature on it. I also asked if they didn't validate these accounts within 30 days to remove all 3 accounts from the 3 major credit bureaus XXXX, XXXX, and XXXX. in addition, the 3 credit bureaus also received letters to validate these accounts. I'm asking the CFPB to assist me with this matter because BOA, XXXX, XXXX, and XXXX are all noncompliant to my request.
Product: Credit reporting or other personal consumer reports

This is a formal request to Ally Financial Services regarding an unresolved issue with a charged-off account. I have not received a Form 1099-C, which is necessary for tax purposes, despite the account 's charged-off status being reported monthly on my credit report. I am expressing concerns about potential violations of the Fair Credit Reporting Act ( FCRA ), as the inaccurate reporting could negatively affect my credit standing. I request prompt correction of the situation by providing the required form and reviewing the accuracy of their reporting practices, emphasizing the importance of addressing this matter promptly.
Product: Credit reporting or other personal consumer reports

I enrolled in a debt repayment plan to responsibly pay my debt to XXXX 's XXXX XXXX due to my child having special needs and needing to create a sustainable repayment plan with my new financial responsibilities. XXXXXXXX XXXX  accepted my debt repayment plan on XX/XX/XXXX  ( see attached email from XXXX XXXX XXXXXXXX XXXX  ), but failed to change my required monthly payment to the plan agreement of {$39.00}. In XX/XX/XXXX  ( see attached statement titled XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX XXXX paid them the agreed upon monthly payment of {$39.00}. At that point, my account went past due because XXXXXXXX XXXX did not change my minimum payment due until XX/XX/XXXX  ( 4 months past the agreed upon new rate ). 

The monthly payment is now correct ( after I called XXXX several times ), and is paid directly by XXXX XXXX XXXX XXXX. However, XXXX XXXX continues to report my account as 60 and 120 past due, when in fact, I have never been late ( see attached statements showing no late payments or past due amounts prior to the agreed upon debt repayment plan ). When I call, the representatives agree with this account and open a new dispute, but the office that reviews disputes continues to state I was past due PRIOR to the debt repayment plan, and refuse to change my status in their credit reporting. I am unable to speak with anyone in the dispute department that handles credit reporting. I have called every month since XX/XX/, and they continue to file a new dispute, and continue to reject it without any factual data indicating I was past due prior to enrollment in the debt repayment plan. This is an error on XXXXXXXX XXXX  part by not correctly adjusting my monthly payment amount due in XXXX of XXXX  ( after agreeing to the new payment amount in XX/XX/XXXX  ), causing my account to go past due in XX/XX/. 

This issue has destroyed my credit, which has always been around XXXX. I am a home owner and a single mother, and I have worked hard to maintain a good credit score. I would appreciate any suggestions on how to remedy this incredibly unfair situation.
Product: Credit reporting or other personal consumer reports

I am filling a dispute against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding ( File no. 2025-CFPB-0002 ) against them for similar violations. I results that CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that I have marked as inaccurate XXXX XXXX
Product: Mortgage

In XX/XX/XXXX I received a tax bill in the mail from the XXXX XXXX XXXXXXXX requiring I make an additional payment in the amount of {$5900.00} due to reassessment of my property. The bill had a due date of XX/XX/XXXX. I tried reaching Freedom Mortgage to determine if this payment would be made from my escrow account, but the automated system suggested that any supplemental bills need to be paid out directly. It was also incredibly difficult to reach a human representative. 

As a result, I went ahead and submitted payment directly to the borough, only to be notified on XX/XX/XXXX ( well past the due date ) that they have also disbursed funds to the borough. 
After speaking with the bank, I was advised to file a request for a refund with a different department. It took the bank over a month to " investigate '' my complaint, after which they concluded that my escrow payment needs to go up due to taxes increasing in XXXX. 

This did not address my original concern of the duplicate payment in the amount of {$5900.00} that was due to me as a refund. 

As a result of this mishandling of my escrow funds, I am now not only short of {$5900.00}, but also need to make increased monthly payments to cover for the shortage. 
Meanwhile, the bank also refuses to close my escrow account, and my monthly payment is now projected to go up to $ XXXX.
Product: Debt collection

They are mailing me the same collection letter for same account same amount multiple times a week. I wish I had kept all of them but the ones I have are dates XX/XX/2021 XX/XX/2021 and XX/XX/2021. Its harassment! I know I owe the money I just cant afford to pay it. The hospital is already garnishing my state taxes for it. Between my health issues and my daughter having XXXX XXXX  I can not afford to pay off the almost XXXX they are harassing me for. Its just a constant reminder that Im failing and I dont even want to check my mail anymore because of Franklin collections
Product: Credit reporting, credit repair services, or other personal consumer reports

U S DEPT OF ED/XXXX/XXXX  continues to update CRAs with information not on MPN and doesn't reflect school dates.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, Experian, and XXXX to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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

I WAS LOOKING AT MY CREDIT REPORT AND WAS SHOCKED TO SEE ACCOUNTS THAT WAS AUTHORIZED BY ME. I FILED A POLICE REPORT AND FILED A FTC CLAIM AND WITH THE CFPB. I CAN'T BELIEVE THIS IS HAPPENING TO ME. THIS IS VERY DEPRESSING AND STRESSFUL AND I NEED THIS SITUATION FIXED ASAP.
Product: Money transfer, virtual currency, or money service

I received a call from " Paypal Fraud '' department stating that a closed PayPal account was reopened and orders were pending. The email was closed. My US phone number remained the same, and therefore they could reach me. I asked them to cancel all orders as they were fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  account has violated my rights. 
# XXXX XXXX XXXX. 
# XXXX CHILD SUPPORT ENFORCMENT. 
# XXXX XXXX XXXX XXXX. 
# XXXX XXXX XXXX. 

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

I reviewed my Consumer Reports and noticed that I had erroneous reports on accounts that I was sure I paid on time. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance : {$260000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$260000.00}
Product: Credit reporting or other personal consumer reports

Truist Bank is still reporting an old closed account on my credit report in the amount of {$340.00}, which is older than 7 years old. This is illegal and I want this item removed. I have already disputed this item multiple times and they unlawfully continue to keep it on my report.
Product: Credit card

On XXXX XXXX XXXX a charge for {$82.00} appeared on my credit card account. As I noticed the charge I called the bank to put a fraudulent charge complaint. The bank proceeded to block the credit card and issue a new one with a different number. Then they transferred the amount of the fraudulent charge to the new credit card as " remaining balance ''. 

The bank claims that any " interest and fees will be refunded IF the claim is accepted '', which leaves me in a position where I am completely dependent on the banks will. If they were to not accept the claim for whatever reason, they will be charging me for interest and fees. So, my only option is to pay for the fraudulent charge and hope they return my money eventually. 

A month has passed and they have not given me any response. The due date for the payment came and I had no choice but to pay the balance to not being charged any late fees, interest and my credit score affected. 

This is absolutely unfair since it puts all the burden on me, while it is the banks security that was compromised. They are the ones responsible for preventing fraud.
Product: Debt collection

An attempt to collect a " debt '' has been going on for about 10 months. Calls about twice a day about 6 days a week. When they would call me after their business hours and I would get the rare opportunity to get passed the machine, a XXXX machine would pick up informing me of the office hours and leave me with either hanging up or paying my " bill ''. 

For the first 6 months, I would pick up the phone call when I could, answering machine would pick up asking if this is myself press XXXX. I would press XXXX and the machine would automatically drop the call or it would not acknowledge my pressing XXXX. 

After some time, I finally got a hold of someone in the office.I asked them to send me proof of the debt because i have never seen any proof of a debt with XXXX XXXX XXXX, Although I do acknowledge doing business with them in the past. They informed me they would indeed send proof via mail and confirmed my mailing address. 

XXXX time I was able to get through to them I informed them again i would not be paying any debt without proof of a debt other than a phone call. They informed me a " letter '' had been sent. I informed them i did not receive any letter and did they have any proof that they sent it out. She said no but she could send another. I then said ok and can I speak to a supervisor about your answer machine dropping calls when i follow the machines instructions. Held for about 20min and the supervisor come on. I informed her about the machines problems and she told me that " she was not the machine '' and could n't say why that was happening and then immeadetly asked " are you going to pay your bill or not, we dont have time for this ''. Insultated, I calmly informed her that I have never received any proof that I owe anyone money. She then said if I wasnt going to pay my bill than she had to go and hung up on me. 

About XX/XX/XXXX, their machine finally allowed me to talk to someone again. The lady i spoke to this time told me XXXX emails had been sent to me. I informed her that i have never received an email from their company and also was told I would be receiving a letter and that her office even confirmed my mailing address the first time we spoke. She did not know how I was notified the first XXXX times but the last was an email. Together we confirmed all of my contact information and she said a letter would go out again. 

To this date, XXXX/XXXX/15 I have never received any written proof that I owe any company any money. I am unable to communicate with this collector because of an ongoing problem with their answering machine, which I informed them about. This " debt '' has shown up on my credit score and am unable to dispute it because the XXXX times I have been able to speak with someone, they claim to send a letter that never comes.
Product: Mortgage

Citizens One home loan company bought my loan from the XXXX XXXX XXXX  late last year. The servicing has not followed the legal documents for my mortgage which states that they are responsible for paying my property tax. They failed to do so last year and I accrued late penalties. I had to contact them and the XXXX XXXX XXXX to get them to pay it and the late penalties. 
This year they again failed to pay the property tax due in XXXX of this year and I have accrued overdue penalties. I called them last month on XX/XX/XXXX. Almost a month ago. They confirmed that they would pay the XXXX tax and send proof that they would cover the penalties cost as it was their fault. I called them and they claim they paid my property tax but refuse to pay the penalty saying it's my responsibility. 
The taxes are supposed to be paid via my escrow account which I have been paying on time every month. 
I am afraid that this is affecting my credit score and that I will get a tax lien on my property.
Product: Credit card or prepaid card

I have an ON-GOING, OPEN dispute against a Merchant ( XXXX XXXX XXXX XXXX ). I was told by my credit card company, that while the dispute is in 'Open '' status, there will NOT be any interest or late fees acrued, yet, every time, I get a bill, I see, Late fees and interest charges added to my bill. I have tried repeatedly to call them and explain the situation, but they refuse to listen and remove the fees/interest charges. I have excellent credit, and do NOT wish my credit ruined. Please call me at XXXX. I'm ready to cancel this card, but I do NOT want to pay these ridiculous late fees and interest charges. 

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

I have been trying to get this Late off my credit report for months. I have sent in XXXX disputes and nothing is being done. I have sent in proof that I myself are submitting the request to have this removed. I have filled for a full file disclosure and never received it. 
The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ). The financing associated with students education is part of their records and should be maintained private according to this law. I did not opt in at any time for the bureaus to report my student education records.
Product: Credit reporting or other personal consumer reports

UPDATE TO CLAIM # XXXX TRANSUNION YOU HAVE COMMTTED WILLFULL DECEPTION AGAINST ME. YOU WERE PLACED ON NOTICE OF YOIR WILLFULL VIOLATION OF CONGRESS LAW 15 USC 1681a ( 2 ) WHERE CONGRESS STATES NO TRANSACTIONAL INFORMATION BELONGS ON A CONSUMER CREDIT REPORT. THE ACCOUNTS LISTED ARE IN FACT TRANSACRIONAL. YOU CLAIM YOU VERIFIED THE INFORMATION BUT I DID NOT REQUEST A VERIFICATION. BUT SINCE YOU CLAIMED VERIFIED I DEMAND THE ACTIONS AND STEPA ACXORDING TO 15 USC 1681i YOU HAVE TAKEN TO VERIFY THIS INFORMATION SHOWING WHO YOU LERSONALY INTERVIEWD AND THEIR NAMES. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE IT IS FACT AS ALLOTTED ON MY PREVIOUS COMPLAINT YOU HAVE VIOLATED ME AND I GAVE YOU AN OPPORTUNITY TO REMOVE THE EXCLUDED INFORMATION THAT DOES NOT BELONG ON A REPORT OR PAY TO ME BY CASHIERS CHECK IN THE AMOUNT ALLOTTED ON MY PREVIOUSL COMPLAINT AND YOU HAVE WILLFULLY NEGLECTED A RESOLUTION AND HAVE COMMITTED DECPTION. YOU HAVE VIOLATED YOUR FIDUCIARY DUTIES AGAISNT ME AND HAVE CAUSE DAMAGES TO ME. IF YOU DO NOT PERFORM HONORABLY A FORMAL COMPLAINT WILL BE FILED THE SECURITY EXCHANGE COMMISION AND THE INTERNAL REVENUE SERVICE WILL BE NOTIFIED VIA A 3949a AND 211 FORM OF YOUR REPORTING OF INCOME ON MY REPORT FOR DISCHARGWD DEBT IS CONSIDERED INCOME.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reported on my credit file as required under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681o. According to this provision, I have the right to dispute any errors or inaccuracies in my credit report, and I am requesting that the disputed information be thoroughly investigated and corrected or removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

The response to below complaint was not able to view or download, needless to say, not resolved. I spoke with a XXXX XXXX I believe her name is on XX/XX/XXXX, was provided information pertaining to check and requested it be reissued, issue unresolved for several months since XXXX. Please so below complaint.. 

I've been attempting to resolve an issue pertaining to a fraud check, the item was issued to myself on or around XX/XX/XXXX, the amount of {$5100.00}. The check was intercepted by another party, signed and cashed in my name, no funds received from it. An affidavit was filled out and sent in along with check copy, I've attempted numerous times to resolve issue with Wells Fargo, the last information I have is the funds from check were credited back to Wells Fargo account check was issued from ... This information is from an XXXX at XXXX, we spoke on XX/XX/XXXX, she stated the credit was made on XXXX back to Wells Fargo. The claim number is XXXX. Ive since attempted to find out if and when check will be reissued, I've called several numbers ranging from the executive office phone bank, customer service, as well as research number at XXXX. It appears Wells Fargo will not reissue check, there may be an underlying issue I am not aware of. I've filed past CFPB complaints about this issue, Wells Fargo reps provide a general from reply which does not address issue. The from reply states in part, " Numerous attempts to address concerns, exhausted all resources '' I will again assure the CFPB this is first off, a form reply ... .Second, it is a lie, there have been no such attempts such as reaching out by phone, email or otherwise to reach me to resolve issues. If there were such attempts, they would be noted and they are not..
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX Date of Birth : XX/XX/XXXXXXXX  Experian XXXX XXXX XXXX XXXX XXXX TX XXXX EXPERIAN REPORT NUMBER : RE : Trafficking Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my Experian credit report, is the result of that trafficking. 

Accounts : Account numbers : Date Opened : 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 XXXXXX/XX/XXXX I have attached a copy of my SSN card, Valid IDs , and a copy of my utility bill to prove I am human who has been a victim of trafficking, so I do not need Experian to say or write me and say they could not verify me or my account. 
Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of XXXX XXXX or XXXX XXXX if the consumer has provided documentation of XXXX  to the agency. I have attached a documentation of my self-attestation to you XXXX. Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely,
Product: Credit card or prepaid card

I disputed a charge on my Capital One Credit Card ( in writing ) twice and called Capital One today. This dispute is over 90 days old and Capital One hasn't tried to resolve the matter. They told me today that they needed additional information from me, yet they never responded to any of my correspondence nor did they notify me that they needed more information. Correspondence to them is attached.