23daVinci/CFPB_Complaints huggingface dataset:
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 account 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 this files. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/20 Balance : {$2100.00} If you feel there is a possibility this account 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX - ACCT # XXXX DEPT OF ED/XXXX- ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX DEPT OF ED/XXXX  - ACCT # XXXX XXXX- ACCT # XXXX XXXX - ACCT # XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states that 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 the records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states that 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: Mortgage

Due to my wife being unemployed from COVID we had to go on forbearance with our mortgage. Having a USDA loan part of my understanding was that at the end I would have the option to extend my mortgage by the missed payments with deferment. 

Now that my wife is employed and we want to bring our mortgage current and continue making payments Wells Fargo is telling me no deferment is not an option. 

From the most recent forbearance approval letter I have a page that specifically says since my account was current as of XX/XX/2020 deferment may be an option that is offered for my loan. 

So far everyone I have talked to has told me that no that is a generic letter stating if your loan was current it may be an option. My letter does not say if my loan was current, my letter states since my loan was current it is an option. 

Wells Fargo is continually trying to push me to a loan modification instead, to change my terms and payment amount. I do not need to change my terms or payment amount.
Product: Debt collection

XX/XX/2023 incorrect items on my credit report the dates and times and amount is wrong, I have not signed any agreements or contract with these companies 1. XXXX XXXXXXXX XXXX 2XXXXXXXX XXXX 3. XXXX XXXX, I have dispute the charges with all three credit bureau and it still on my report some of them longer then 8 years .Me and the creditors have agreed to charge it off and close it and remove it from my report, I have a letter from capital one. I and XXXX has received there equipment back that there trying to charge me for that, I don't owe them and they charged it off and close it ... all longer then 8yrs please help me remove this items from my credit report ....
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX BANK XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX sold my loan to SST, effective XX/XX/XXXX. I was communicated to not process a payment as of XX/XX/XXXX while they migrate our data from XXXX to sst. 

I made roughly half my XXXX payment, totalling {$220.00} to XXXX on XX/XX/XXXX. I paid the remaining XXXX payment ( {$210.00} ) directly to sst XX/XX/XXXX. That full amount of {$430.00} was due XX/XX/XXXX, therefore it was all paid early. 

Starting XXXX I noticed it showing the {$220.00} ( paid to XXXX ) as late/unpaid. I spoke to a rep, XXXX on XX/XX/XXXX & XX/XX/XXXX, both times being told everything was fixed, she could see the XX/XX/XXXX payment pending. 

I called again XX/XX/XXXX after continuing to get calls, texts, and emails about my erroneously-labeled " late payment '', told that it was being worked on, but they needed proof of the payment ( even though I was told previously they could see it ). I emailed the proof while still on that call. I was told late communications would be on hold for 5 days. 

Today I am continuing to get emails, texts, and calls about this error on their part, as if I am owing funds to them ... now their communications are mo longer even documenting the {$210.00} that i paid DIRECTLY TO THEM. I called again and was refused the ability to escalate. I was told this wouldn't hurt my credit ( which how can i believe that? ), and that i should not make any payments until this is fixed. 

This is unacceptable processing protocols, is a misuse of power by these servicers, and causing extreme undue stress on me and my family. I've reported to XXXX, no help yet. I need help fixing this and holding this organization accountable. I didnt chose this servicer, I never had a single issue while with XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that 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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX repeatedly fails to give me my credit report, without saying why, with a non-specific error : " A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX "
Product: Debt collection

I have repeatedly over the past XXXX years, contacted the CFPB as well as the credit reporting agencies and the credit cards involved informing them of my identity theft I furnished an identity, theft report and very valid proof of the identity theft, as well as the wrong information that was being reported to my credit Every single person, including the CFPB has ignored me despite the fair credit reporting act 15 U.S.C. 1681i very clearly stating that false debt must be throughly investigated this has caused me tremendous damage throughout the past years. I have been forced to stay in a property that is full of mold with my child that has no XXXX due to credit problems. It has also caused me to have a significantly higher credit rate for my car, which I just purchased at I want to be compensated for it the fair credit reporting act 15 U.S.C. 1681o Establishes liability for negligent noncompliance, allowing recovery of actual damages and costs I am enclosing my proof that the fraudulent claims have finally through no help of anybody, but myself been taken off due to identity, theft, and the damage that has caused the actual damage is well over a XXXX XXXX dollars which I am positively pursuing in either small claims or civil court with or without representation if no compensation is received by means of this complaint.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX  XXXX Account Number : XXXX Date of Late Payment : XX/XX/XXXX and XX/XX/XXXX. 
Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : The reported late payment was a result of a clerical error in processing my support payment. My payment was made on time, as confirmed by my bank records, but it was mistakenly recorded as late due to an internal error within the XXXX XXXX  XXXX XXXX. This error led to an inaccurate reflection of my payment history on my credit report. 
Evidence provided : Bank statement showing the payment made on time. 
Correspondence from XXXX XXXX XXXX acknowledging the internal processing error. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being.

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I have disputed this information several times before and still the inaccurate information keeps being verified and reported inaccurately. With the last dispute open on XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018,XX/XX/2018. I am fully aware of my rights under the FCRA Section 601 and the right to sue for punitive damages including reputation, deformation of character and pain in suffering. It is XXXX due diligence to investigate thoroughly by law. I am providing again a letter in which I enclosed in my most recent dispute from XXXX XXXX.

I have also disputed with Transunion XX/XX/2018, XX/XX/2018, XX/XX/2018. I have also disputed with XXXX  XX/XX/2018, XX/XX/2018,XX/XX/2018, XX/XX/2018.

I have called XXXX XXXX several times and they keep telling me they sent the information over to 3 credit bureaus.

This item XXXX XXXX is inaccurate or because I have made all on time monthly payments from XX/XX/2018through XX/XX/2018. I am requesting that the item be removed because you XXXX  has failed to update with correct information. According to dispute completed on XX/XX/XXXX the balance is {$15000.00} with the last payment received XX/XX/XXXX THAT IS OVER 7 MONTHS AGO!!! My monthly car installment loan payments are not being reported!!!! I am beyond frustrated and I have contacted XXXX XXXX directly and they have indicated they have reported all the information on my account to you XXXX and they even sent me a credit rating letter which I furnished to you, so you can have updated records and yet you still did not accurately update. XXXX XXXX is indicating you XXXX  are the party in this matter not reporting information accurately.

This is my final notice!!!!!!! I have also called Texas Attorney General, FCRA and an Attorney. They are aware of my complaint and will proceed as necessary if the following account XXXX XXXX is not deleted. The time has passed for the update of the information that is why I am asking to have the information to be deleted.

I am in the process of buying a house and because of this situation I can not. My credit and reputation has been compromised by reporting agency.

Enclosed are copies of the Credit rating letter I furnished XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft pursuant to 18 USC 1028A. My personal information was exposed in the XXXX XXXX breach.
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. 

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 and 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

Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX Balance Owed : {$58.00} XXXX XXXX XXXX  XXXX Balance Owed : {$9600.00}
Product: Credit reporting or other personal consumer reports

I am writing this letter to dispute the following account that was removed from my XXXX report but still remains on my other credit reports XXXX and Experian : XXXX XXXX, XXXX XXXX Account # : XXXX These collection agencies are both in violation of 15 USC 1692g as well as FCRA1681, Section 609. Section 610, Section 611. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt by law it is required for me to do so not verified as your company keeps stating. I do not validate this debt. I must be given the original contract with my signature on it. Therefore, the following account must be deleted from my report as required by law. Failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] This company has violated my rights 15USC 1681-602A states I have the right to privacy ,15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written consent and instructions. I am not liable for this collection they have not provided me with the original contract as I have requested several times. 15 USC 1681 ( a ) ( 2 ) ( i ) states transactions and experiences between the consumer and the person making the report are not included in the " consumer report ''. By Law, the IRS defines a charge off accounts as cancelled debt that you have to pay taxes on meaning the charge off accounts are now earned income for me the consumer. Collections & Charge offs accounts over {$600.00} reporting to my consumer report is tax fraud. By Law companies are supposed to send me the consumer a copy of the 1099 C & 1099A from the accounts that has been charged off. ( 1099 OID ) The collection is now income by IRS law states that income can not be reported as debt. Please remove this account from my report this is against the law and is considered tax fraud. The company Experian are supposed to show proof of this account being verified which is required by law. According to 1681 ( i ) a the law states that before your investigation is completed the item in dispute must be deleted for my report. The item was never deleted before the investigation is complete.
Product: Vehicle loan or lease

Approximately 2 months ago, an online profile was set up with USAA, both for my father ( a veteran ) and myself. The account setup was successful, and a deal was made at my local XXXX dealer. The dealer asked me to call USAA to get the loan process started, and I was informed that my account was blocked and USAA reserved the right to do business with me. My husband and I were concerned, becuase we have strong credit scores and have never been refused credit before. We came home and checked our credit reports, which were in order. The next several days were spent on the phone with various departments of USAA, no one had an explanation, except to say that fraud was suspected and that I should write to the legal department, which I did. An investigator from the fraud department was in touch, and after his investigation, he held that USAA refused to do business with myself and/or my father, no explanation would be given. I believe as a financial consumer, I have the right to know why I was denied an opportunity to apply for credit. Also, no written notification was given.
Product: Debt collection

I received no less than 8 phone calls just over the weekend from this company. I work nights and sleep days. I missed 1 credit card payment ( which I will now no longer pay off, due to the harassment ) and I have received HUNDREDS of calls from Synchrony, which is beyond harassment, and many of those calls fall during no-call hours, such as Sunday morning.
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.

XXXX  has violated my rights with the failure to remove all inaccurate, unfair and outdated personal information such as addresses, phone numbers and employers listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX XXXX. XXXX XXXX XXXX APT XXXX XXXX, XXXX XXXX, MO XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX XXXX XXXX XXXX And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.

15 U.S.C. 1681B ( 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate and the gross negligence of customer service, and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to act timely and effectively in regard to measures could prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was lucrative 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 inconveniences and financial loss of profits, and I seek and mandate appropriate redress for these violations.
Product: Mortgage

This past year in XX/XX/2019 my insurance agent presented a new home owners quote, instead of policy through XXXX XXXX. I agreed to make the change in XXXX. The new policy went into effect XX/XX/2019. I received a notice from the insurance company that payment from the mortgage company had not been received. I contacted them last week on XX/XX/2019. And was asked to forward the bill from the insurance company to the mortgage company. I did that, but today, the bill has still not been paid, and i discovered that the mortgage company took out another policy on my home for over double the cost of what I pay per year. I want them to cancel the forced policy, because of an error in accounting. Insurance has been in place without a lapse in coverage. I would like the amount paid to be refunded to us as soon as possible.