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

I have uploaded an identity theft report to Experian on XX/XX/ 2021, XX/XX/2021, and XXXX XXXX, 2021 regarding credit inquires reporting to my consumer credit report that I did not authorize nor give my written or oral consent to pull. There was 3 reports uploaded because Experian claimed that they didnt receive the first two uploads to their website. These inquiries are not attached to any open accounts. Deletion of inquiries is admission of fraud and a violation of my federal consumer rights. 4 Inquiries remain on my consumer report that I did not give written nor oral consent to obtain. Due to these reasons, I'm not able to obtain further credit as a natural person. According to Title 15 U.S.

Code 1681n, under civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ;@complaint.consumerfinance.gov complaint.consumerfinance.gov
Product: Debt collection

I am being charged {$1400.00} by a debt collector called Coast To Coast Financial solutions because of a debt history i have with a garbage utility. They told me that its been under my NAME since 2021. This is NOT true. I have proof its under a different name and it was recently changed without my authority. 

I do not live in the household and my name was used. I told the XXXX company to reverse the name because I am not responsible for this bill and they told me to contact collections. This is very frustrating to know that someone can authorize my name without my permission and live off a garbage bill for quite some time. Its very sad and I can not afford to pay this. 

I need help to get this removed. I do not live or own this house so this is unfair. I feel someone used my name without knowing. I am providing proof of a bill from last year under the name XXXX XXXX XXXX which is not my name.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The XXXX under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXXAccount Name : XXXX & XXXX XXXX XXXX XXXX XXXX : Account Name : XXXX XXXX XXXX XXXX : Account Name : XXXX XXXX, XXXX ; Account Name XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 or other personal consumer reports

I have discovered incorrect information on my credit report, specifically under 15 USC 16c-2. This inaccurate data is negatively impacting my creditworthiness.
Product: Credit card or prepaid card

I am a victim of identity theft. Someone stole and used my personal information and got a state drivers license with my picture on the license and a date of birth of XX/XX/XXXX to open up a U.S. Bank Visa/XXXX credit card account. I was incarcerated and I never applied for a U.S. Bank credit card. The account was opened up fraudulently and unauthorized.
Product: Bank account or service

on XXXX/XXXX/2015 Bank of America processed a Debit for Charged Off Credit card Account. without any prior notice given to me. I am the owner of this account. when I asked the bank for an explanation they say that my son was a co-owner on the account therefore they can take the funds without notice. he is the person we owes the money. I informed them that I need this money for my mortgage, and that I am the owner of the funds, not my son, but the bank will not refund my money. I do n't know what to do its a credit card that my son was trying to negotiate payments on. PLEASE HELP!! thank you XXXX
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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
Product: Mortgage

There is my complaint In the first payment letter at the closing cost, in XX/XX/XXXX, the monthly payment at our escrow account includes properties tax, insurances, principal and interest and starting on XX/XX/XXXX ( See attached pdf firs payment letter ) are the following : - Principal and interest : {$1.00} XXXX - Property tax : {$490.00} - Hazard insurance reserve : {$47.00} - Mortgage insurance : {$95.00} - Total monthly payment : XXXX On XX/XX/XXXX, we got another letter from XXXX XXXX and suppose they act on behalf of XXXX for the adjusted money to pay : - Principal and interest : {$1.00} XXXX - Escrow taxes and insurance : {$670.00} - Prorated shortage : {$340.00} - Total monthly payment : {$2200.00} As we are new homeowner, some mortgage word such shortage is hard for us to understand. 
So, to understand if shortage amount is for balance due for past or for increased tax or insurance, we called XXXX XXXX for have more information but they refuse give the information regarding the property tax for XXXX and XXXX and ask us see our district tax. 

The district tax let us know our property tax is {$1700.00}. As we currently pay {$490.00} per month as property tax, there is a higher difference between the tax provided by our tax district and that increase our confusion. 
Currently we dont know where come from the shortage as XXXX XXXX is unable give us the info. Tried call XXXX but unable get temps we decide better complaint to oblige XXXX give us written explanation so in the future whe have all info and will not be stressed. 

We want to know : XXXX ) Where come from the prorated shortage of {$4100.00}? 
XXXX ) Can you specify how will if pro-rated shortage is projected tax only or other? 
XXXX ) What is the monthly payment for XXXX  or hazard insurance for XXXX? 
XXXX ) What is the monthly payment for Mortgage insurance for XXXX? 
XXXX ) What is the monthly payment for property tax for XXXX XXXX ) XXXX we have a copy for our property tax for XXXX and XXXX received from tax office? 
XXXX ) There is possible for us to pay directly our property tax to tax office? 

The complaint is only to oblige our lender to provide us the information as this is very unfair pay various tax without know where they are coming from Documents attached PDF XXXX. First payment letter XXXX. XXXX from XXXX XXXX XXXX. Letter from our XXXX tax office Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am fing a complaint against Equifax XXXX  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. 16811, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceedings take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I put {$5000.00} on a secure card with XXXX XXXX  to rebuild my credit. They know these cards are intended for that purpose. 

I pay off my card in full each month for 4 months. 

On the XXXX month, in XXXX 2021, I paid it off in full and they CLOSED the account. I called and asked them why and they said they did not recognize the bank account ( XXXX XXXX  ). I mailed them my statement and they re-opened my account after a week. 

I asked them to update to the credit reporting agencies that my account was OPEN and they refused-telling me I had to do it. 

I have send documentation to XXXX XXXX and Equifax XXXX and still the report shows my account as closed, lowering my credit score. 

Both XXXX and XXXX XXXX  are reporting false information and I want this rectified.
Product: Money transfer, virtual currency, or money service

I am filling a complaint against cash app ( Block inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protections 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 financial and inconvenience loss and I seek appropriate redress for these violations.
Product: Mortgage

I received a letter stating my loan was being transferred XX/XX/2023. I pay my mortgage online but this time the process center I was directed to said my payment could not be received. I called the toll free number but it verified me saying I was not eligible to pay through the automated system. Now it's XX/XX/XXXX.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I noticed ( XXXX XXXX XXXX XXXX ) has placed me in debt that has been bought from the collection agency above. I do not recognize the debt, nor do I understand why the collection is on my credit report. Due to the item being unauthorized, involved in illegal practices, and not being given written consent, I am requesting for it to be removed immediately. 15 U.S.C Code 1681 ( b ) No permissible purpose of the consumer report. If there is a reason, we can not come to that conclusion I will forward matters to my Litigation Attorney.
Product: Mortgage

My name is XXXX XXXX, and my family and I have been trying to secure a legitimate short sale on our home ( located in XXXX XXXX, XXXX ) and the Mortgage holding institution ( PNC Mortgage, & PNC HELOC ) has been offered a very strong, legitimate bid from a very solid buyer, but neither are agreeing to the others terms for settlement. This is forcing my family to fall victim to a completely avoidable foreclosure which would be extremely difficult for me and my family being that I am a XXXX with an active Security Clearance, which must be maintained in order to keep my job. I was transferred ( XXXX ) from XXXX to XXXX for my job, and since I am unable to live in the home, I must sell it in order to avoid paying double mortgage & rent payments. 
We purchased the home in XXXX, and the house is currently underwater ( at least 20 % negative equity ), and for me to sell it, I need to sell short. Additionally, our ARM mortgage payments doubled the end of last year, making it impossible for me to afford those expenses on my current government paycheck and expenses. Needless to say, we do n't have the funds to cover the difference in cost. 
Also, in order to process this short sale, per the requirements specified to me by the PNC representatives I spoke to, I needed to miss mortgage payments for at least 3 months before they would consider processing a sale. This has been happening since XXXX XXXX. This means that my credit has taken a massive downgrade and my ability to ever purchase or rent property with my current credit rating in the near future has been extremely jeopardized. 
I am being represented by a Real Estate professional in XXXX, as well as a legal negotiator since beginning this process, but they have been unable to get these XXXX sides of the same coin to agree to each others terms. And we are the ones who are continuing to be the victims of this incompetence and corporate selfishness. First being the housing crisis, and this being the second. 
As of last Friday ( XXXX XXXX, XXXX ), the XXXX PNC Mortgage still wo n't accept the terms offered by the XXXX, and our lawyer ( Realtor 's lawyers ) have all but quit trying, since even with my threats to file a law suit, and call my congressional representatives wo n't help them finalize. Also, after more than 3 months of trying to get a new buyer into the home, which will secure for PNC more than XXXX % of the total amount of the original note, the current buyer is expected to back out in order to find another home which they can get into faster. This means that my family will now be forced to wait for another buyer who probably wo n't offer near what this one did, if we can find one at all, considering now we have a history of an uncooperative bank who is n't willing to negotiate with each other in order to finalize a sale. Can the CFPB help us resolve this issue? I am willing to forward all details of the situation upon your request.
Product: Debt collection

I have been disputing this account with XXXX XXXX XXXX XXXX Equifax, and XXXX for months. The bureaus claim XX/XX/XXXX claims if accurate yet, all companies have refused to supply me with the method of verification and or any written contracts with my signature. According the the FCRC and Maryland state and Federal laws I have the right to have and review those contracts if any. If they don't have them then it accounts must be deleted. If XXXX XXXX did supply the bureaus with any information they did so under a ceased and deist order with was sent certified mail on XX/XX/XXXX and again XX/XX/XXXX If such information was provided under this order that is grounds for District Court withXX/XX/XXXX and all 3 credit bureaus for obtaining medical  information without my consent. At this point I was these account deleted not updated and I will seek damages of $XXXX  per violation per company (XXXX XXXX XXXX XXXX EquifaxXXXX and XXXX.
 Defamation
 Negligent Enablement of Identity Fraud
 Violation of the Fair Debt Collection Practices Act (including but not limited to Section 807-8) Violation of the Fair Credit Reporting Act (including but not limited to Section 623-b)
Product: Credit reporting, credit repair services, or other personal consumer reports

Fay Servicing  has been reporting us as delinquent on a mortgage lien that was initially with  XXXX   XXXX .   XXXX   had  1st  mortgage on the property (  XXXX   XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX  ) and in   XXXX    2014 t he property was sold. I do not hold title to this property. It 's assessed to  XXXX  &  XXXX   XXXX . The  XXXX  lien/DT was wiped out at  XXXX  foreclosure.  XXXX  sold the loan to  Faye Financial  as a mortgage. We do not owe them anything. A simple title search by Faye would reveal this. I have made ov er seven differ ent phone calls to  Faye Servicing  over the la st  two  m onths and they refuse to discuss it with me and the  manager has refused to return my call. Faye has no lien. They NEED to do their own title search & tha t alone will show them that the loan they purchased was wiped out by  XXXX  foreclosure  X/XX/  2014 d ue to it being in a  Jr. lien  position. I do not own the property nor is this loan a mortgage.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an alleged late payment reported on my account. This payment was reported by XXXX XXXX XXXX to your agency. 
[ XXXX/XXXX/Equifax ] XXXX 
and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report does not include reports solely contain information regarding transactions or experiences between a consumer and the person making the report. 

Late payments in question : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Thank you for your prompt-attention to this matter. I look forward to your response
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agency and the company. My rights have been violated. I sent in several disputes to have incorrect information deleted from my credit report. XXXX XXXX XXXX has been reporting incorrect information on my report. I have asked them to provide proof the proof provided was incorrect and was not what was being reported on my credit report. I have asked Equifax to do and complete a thorough 8investigation and have not received any feedback or even an update on the dispute. Yet they have added this account back to my Credit Report without my knowledge. I do believe that under the FCRA this is illegal on both the CRA and the company. So again this is my final attempt to have this problem fixed before I seek legal action to have this completed.
Product: Credit card or prepaid card

I opened a XXXX XXXX Department store card 19 years ago on XX/XX/XXXX. I am XXXX years old and for 19 years, my account has always been on time. Around 13 years on XX/XX/XXXX, XXXX 's automatically opened an XXXX account in my name. These 2 different accounts are both in the same physical card and apparently both managed by the same online account. I registered for Auto-Pay for my account so that there would never be a problem. I spoke to XXXX XXXX and verified that Auto-Pay was setup. However, for some reason in XX/XX/XXXX, XXXX XXXX hit me with a late payment status for the store account but not for my XXXX. This is not right. XXXX XXXX has created a very complicated system that is unfair to consumers and I would like my credit report corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX, and XXXX are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$990.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$560.00} XXXX  XXXX Balance : {$210.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to open another online bank account and this bank checked my history with XXXX XXXX with Discover bank, Discover bank is showing my Account as Overdrawn and pending closed which is not true. I need Discover bank to correct this. I have no idea why Discover bank is showing this when I always had good terms with them, this is disgusting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I hope you're well. I have 3 inquiries from this company that I never applied for! I need these inquiries removed immediately! I will take legal action because this is freud!
Product: Credit card or prepaid card

On   XXXX   XXXX  -2017 I 've purchased a countertop and floor cabinet from Home Depot in   XXXX   MA for total of {$4500.00} include sales tax and I was able to pick up the floor cabinet on   XXXX   XXXX  -2017 and I kept waiting for Countertop that took 49 days later for the company to show up with only one portion of the countertop at that time I 've decided that I did n't want it anymore because I dint know how much longer I had to wait to the rest of the counter top and I refused the installation at that point and it was send back to Home Depot third party installer International Stone. In the same day I follow up with  XXXX  Home Depot to cancel the countertop delivery because I was going to found a company that would do it faster and in fact I was able get everything installed in five days later by someone else. Now the issue I 'm having is that no one at Home depot is able to credit my account for something I didnt get.
It has been a terrible experience trying to get anyone at Home Depot to assist me with this issue.
My regards,
Product: Debt collection

XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX To Whom it may concern, I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The accounts in question is listed as follows : Creditor Name : Commenity Bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXX XXXX Date of Charge-Off : XXXX XXXX XXXX XXXX It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 
I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX. XXXX