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

For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for XXXX & Equifax that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from XXXX and Equifax it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.
Product: Mortgage

I have been with Dovenmuehle mortgage since XX/XX/XXXX and have been disgusted with the dirty tactics this company uses and how they do business. For the past XXXX years I have been experiencing difficulties keeping up with my mortgage payments and have recently went through a loan modification that did NOT help me. The interest rate and payment went up and I 'm now being threatened with foreclosure. I am XXXX payment behind and I have made a payment but Dovenmuehle is literally holding the check because they want all XXXX payments at the same time. Last summer I had a XXXX and hit my house causing over {$12000.00} worth of damage. Once the insurance company cut the check for the damage and Dovenmuehle received it they held the funds telling me they would n't disperse the funds because I was scheduled to go into foreclosure. This forced me to cover contractor and material expenses OUT OF POCKET. The insurance money for the damage had nothing to do with my mortgage delinquency! The contractor finished the repairs in XX/XX/XXXX and it took Dovenmeuhle through XXXX to make the last dispersement. This mortgage company has no problem lying or being dishonest as long as they are getting what they want. I was led to believe the loan modification would help me with making my mortgage more affordable because I had a loss of income, instead the loan is even more expensive than before the modification. I expressed to them that the modification hurt me more than helped and their reply is they are sorry BUT they want the XXXX payments ASAP. I do not have the funds to make all XXXX payment XXXX and they are still holding the payment I mailed out XXXX weeks ago.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam I am writing to you as a concerned consumer of the inaccurate reporting of information on my consumer report. 
The information has had a significant impact on my standing to retrain credit. Furthermore, I would like to iterate that I previously opted out with each financial institution and credit reporting agencies. Your failure to comply puts you at risk according to 15 U.S. Code & 1681 n - Civil liability for willful noncompliance. 

Please see the attached opt out letters and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported identity theft to each credit reporting agency to support disputes for fraudulent accounts on my credit report. I have submitted FTC reprots, Identification and utility bills to verify my identity. The companies then submit disputes to the creditors involved and are supposed to send the FTC report and ID. When I speak to the creditors, I am told they received Id but no FTC report or they received the FTC report but no ID. 

This has happened with : XXXX Trans Union XXXX
Product: Credit reporting or other personal consumer reports

I am writing this complaint because I filed a complaint for EXPERIAN to reinvestigate a few accounts in my consumer report that are inaccurate. After the reinvestigation had been completed, the account still remained inaccurate. This is a direct violation of 15 USC 1681e ( b ) because EXPERIAN failed to ensure the maximum accuracy of the account. The account was updated but the issues I had pointed out circled in highlighted were not corrected. These inaccuracies are misreported late payments. The late payments are mis formatted with inaccurate triplicate '60 days late " payment notations in the payment history section of the account implying that I was 60 days late for 3 months total. I have reason to believe EXPERIAN relied more upon the information the data furnisher provided instead of equally considering the information I provided as well. If this was actually this case, the error I had pointed out would have been corrected. Pursuant to 15 USC 1681i ( 4 ) ( 4 ) Consideration of consumer information in conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
Product: Debt collection

ABOUT THREE MONTHS AGO I RECEIVED A DEBT NOTICE FROM COLLECTION AGENCY CALLED CAPIO. I HAVE ASKED THIS AGENCY TO PROVIDE ME WITH A DETAIL OUTLINE OF ALL CHARGES LISTED LEADING TO THIS DEBT ADDING UP A TOTAL OF {$1700.00}. I AM REQUESTING THE INFORMATION IN WRITING WITH MY SIGNATURE SHOWING I DID AGREE TO THIS AMOUNT FROM CAPOI. I HAVE NO KNOWLEDGE THIS DEBT EXIST.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX- XX/XX/XXXX XXXX. XXXX team XXXX I spoke with XXXX about my validation request, that was sent originally on XX/XX/XXXX. XXXX did not respond to my request. On XXXX/XXXX/XXXX I sent a demanding request certified letter to have the bankruptcy information removed from my credit report due to negligence on XXXX. The rep stated they have 30 days to reply to a bankruptcy validation request by law. I correct the rep by stating they have 15 days and I gave them an extension before I followed up. The rep stated they have not received anything from me since XXXX. Which was a lie I have been disputing info off my credit for 3 months via phone/mail, Ive received several correspondence from XXXX. I advised the rep I will move forward to the next step which is file a complaint with the FTC an file a lawsuit if this matter is not addressed properly. 

XXXX XXXX XX/XX/XXXX I called back and spoke to gabby from XXXX she stated they received a letter requesting the bankruptcy be in dispute on XX/XX/XXXX and they sent a letter out on XX/XX/XXXX said the letter stated the bankruptcy would remain on the report! I asked a XXXX did They responded as if I sent in a dispute and not a request for validation she stated yes! I also mentioned the pursuant to 15 usc 1692g sec 809b of the FDCPA and stated they are not following that statue XXXX replies they do not have to and hung up. 

XXXX XX/XX/XXXX XXXX I spoke with XXXX from Equifax she stated the letter I sent in had to much information on it. She asked what did I want shes not understand. I advised I wanted a letter of validation and the letter was very detailed and due to negligence on their end for not sending the requesting info. XXXX stated they just found the validation information, and this was a voluntary bankruptcy. XXXX states there is no way or reason she can send it by mail. It is just information they obtain from different places and we do not have a way of sending that to you in the mail. I advised I will go higher and file a complaint. 

XXXX- XX/XX/XXXX XXXX. XXXX is who I spoke to from XXXX she stated my credit report is handled by specialize fraud team and transferred me to that department at XXXX XX/XX/XXXX XXXX stated she received my letter validation request and XXXX   XXXX the results and the bankruptcy will remain. They disputed this information XX/XX/XXXX. And againXXXX XXXX. They have verified the information given. The third party outside the court house verified the information. You cant send a request of validation without a dispute it first. XXXX advises they handled this as a dispute. In my original letter I advised each credit bureaus THIS IS A LETTER OF VALIDATION ONLY! Each credit bureau ignored my request and decided to dispute this information without my consent and request. Each bureau ignore my request of validation. I am requesting this information be removed due to the bureaus negligence.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX responded to a previous complaint claiming they were investigating again and allow up to 60 days for a response. I noticed both XXXX  and Equifax reporting the same account ( XXXX XXXX XXXX XXXX   ) both agencies reported inaccurate information without proof taking the word of a 3rd party.
Product: Payday loan, title loan, or personal loan

my wife is XXXX on XXXX have XXXX problems and is taking XXXX meds when a friend took her to title max for we were having some financial problems thaey gave a title loan on the car that she use to take her to the doctor.This was XX/XX/XXXX. refinance The loan was for for XXXX XXXX she kept paying the high interest 607.00 0ne time she paid XXXX then another time she paid XXXX now they told her onXX/XX/XXXX that she was in default of {$4400.00}. she was paying the interest and more every month. They even had her income as XXXX which she never told them that she only receive XXXX on XXXX and XXXX XXXX sometimes XXXX. what is going on this is a ripoff and also they took advantage of a XXXX person. She had already paidt them over {$6000.00} please help as soon as possible thanks.its titlemas XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX.phone XXXX fax XXXX. I was her Payee they  should have never given her a loan without my consent. she is not stable when she do n't take her meds and her friends tempt her she had a XXXX XXXX in XX/XX/XXXX and she had XXXX XXXX in XX/XX/XXXX after that that she was placed on XXXX  medications for XXXX XXXX where she have to tale a lot of medications. she had been going there giving them the payments without even reading stuff and just doing what they told her to do. she said they have a screen that have the things on it and they tell her to touch certain things and that how they do then they takethe money she give them it be over the interest sometimes what happen to that money. why is the loan more than she owed it went down and now it sent back up even after they already got over 6000.00 some one please help or attorneys will be involved. we also want o help others so they do n't fall into this same trap and get ripped off they need to close down these places.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this letter and inform me of the steps you will be taking to address my concerns. I expect a response within XXXX days, as stipulated by the FCRA. 
Thank you for your immediate attention to this mater. I trust that you will handle this dispute with the seriousness and urgency it warrants. 

XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXXXX/XX/2XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I noticed a cell phone account listed on my credit report that doesnt belong to me!!!
Product: Money transfers

I used Venmo ( owned by Paypal ) to transfer money to my spouse. The transfer was halted and Venmo kept my money but did not explain why. I received no information regarding my fund transfer until a month later, when I initiated correspondence. I was asked to submit some additional documentation because the transaction was flagged for a potential XXXX violation merely because I used the word " XXXX ''. I submitted " evidence '' about my use of the word XXXX and rather than review the documentation and determine what action thy would take, Venmo continues to keep my funds and have not provided any information-2 months later. Mind you, under law, they are supposed to keep the money in an interest bearing account and report the transaction, but I do n't think they know what they 're doing. It 's been one confused response after another. 

I expect my funds to be either transferred or returned, with interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.
Product: Credit card or prepaid card

My USBANK Altitude reserve credit card was closed by USBANK just after I paid the {$400.00} annual fee. They do not give me any type of notification like phone call and the physical letter arrives about 1 months after they close the account. And I was told from their representative they will refund me back the annual fee. But never received any type of description on that. I asked the phone representative for refund but the request was rejected. I paid the fee to use the benefit of the card and the bank close my account without my consent and do not refund me the fee. This is so frustrating.
Product: Consumer Loan

Ford Dealership XXXX TX did not give me the incentive packages that I was qualified for. Ford Motors was running a {$2500.00} cash back offer on new Ford Transit XLT, I was not given this cash back and was told to put down XXXX for XXXX cars. In addition I was told my credit score was too low to receive 1.9 % APR on both the vehicles. The first vehicle was 3.9 % and the second XXXX was 1.9 % While in the finance room I left to get some lunch and my mother was conned to putting down {$5000.00} for XXXX cars for APR of 1. 9 %. I immediately realized this and refused to take delivery of the second vehicle. I feel that we have been lied to by deceptive trade practices, the truth in lending was not disclosed as we actually were qualified for 0 %. Ford Motor Credit is complicate like other large dealerships in knowing and abetting the unfair, illegal discretionary lending practices the dealerships are involved in.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Request for Immediate Access to My Free Annual Credit Report - Asserting My Rights under FCRA Dear TransUnion, I am writing to express my dissatisfaction regarding the ongoing dispute that I have with your company. While I understand that there may be unresolved issues, I would like to remind you of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 

According to the FCRA, I have the right to access my free annual credit report at any time, regardless of whether there is an active dispute in progress. This right is fundamental to my ability to monitor and manage my credit profile effectively. Denying me this access is a violation of my rights as a consumer, and it is both disappointing and unacceptable. 

I urge you to rectify this situation promptly by providing me with immediate access to my free annual credit report. Furthermore, I request that you review and familiarize yourselves with the provisions outlined in the FCRA to ensure compliance moving forward. 

Please consider this communication as a formal request and a reminder of my rights under the FCRA. I expect a timely and satisfactory resolution to this matter. Failure to do so may result in further action being taken to protect my consumer rights. 

Thank you for your attention to this matter. I look forward to your prompt response. 

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

Here again with yet another account that is closed and was paid in full, but Equifax has just reported that in XX/XX/2021, the account is 60 days late. This account was closed and paid in full in XX/XX/2021. This account should no longer be receiving any updated information. Its CLOSED!!! Please correct this erroneous error immediately. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX Reference # XXXX, XXXX XXXX XXXX  account XXXX XXXX, has 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 a account without my written instructions.
Product: Credit reporting

I sent a dispute letter to TransUnion asking them to provide proof about inaccurate information on my report and asked them to verify and provide proof that these accounts are accurate and belong to me and the only thing I got back was verified. They stated they verified my accounts including a bankruptcy but when I requested the source of the verification, they ignored me. They are in direct violation of the FCRA they says they are to provide non-third party proof or delete. So TransUnion lied in a legal document to me and violated the FCRA and I want all my disputed items deleted and updated at once! 
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Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted a dispute to Experian, XXXX and XXXX in regards to fraudulent items on my credit report. I am a victim of identity theft and have been shown a blatant disregard to my due process via the FCRA 605B ( 15 U.S.C. 1681c-2 ). My FTC identity fraud affidavit is attached. It is hard enough to have been a victim of identity theft, yet now I am not being acknowledged in my disputes and my congressional rights are being violated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 things on my credit report that I want to dispute. 

I have an account with AFNI, INC reporting that I owe the amount {$1200.00} to a cable or cellular company. My credit report shows that this account was assigned on XX/XX/2014. 

I have an account with XXXX XXXX reporting that I owe {$220.00} to a cable or cellular company. My credit report shows that this account was assigned on XXXX XXXX. 

I have an account with XXXX XXXX that shows that I owe the amount of {$750.00}. My credit report shows that I opened this account on XXXX XXXX. 

I will need written contracts with my signature showing that I agreed to open these 3 accounts and pay these fees.