23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Equifax and XXXX are reporting fraudulent and inaccurate information from 3rd party debt collectors, No consent was given to report to 3rd party. They are in Violation of the Privacy act of 1974, The Consumer information is being shared other 3rd parties without my knowledge or consent. XXXX should not be on the personal credit file. Evidence have been submitted that the company was sent an opt out notice from reporting 17 CFR subsection 248.124, subsection 248.125, 248.126, and furthermore This is a charge off which is now consider INCOME according to the IRS publication and now need to be removed. wasn't given. All of the 3 Credit agencies are being furnished with false and inaccurate information and a violating the consumer privacy. 15 US code 1681b states Any consumer reporting agency that furnished a consumer report under the following circumstances and or other. In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. 15 U.S. Code 6801 - Protection of nonpublic personal information to insure the security and confidentiality of customer records and information. to protect against any anticipated threats or hazards to the security or integrity of such records ; and to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. This is security fraud. Unfair practice and deceptive acts, False information reported.
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 inconvenience and financial loss, and I seek appropriate redress for the violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report to delete an remove all inaccurate information on my credit report with Equifax. this issue needs to be fixed asap. looking over my file all data is invalid an is causing denials an hurting information listed on public records. please review an delete the following data to clear my credit report asap.
Product: Mortgage

Select Portfolio Servicing, XXXX XXXX XXXX, UT ( XXXX XXXX XXXX, UT, XXXX ) refuses to refund the XXXXXXXX XXXX I paid from XXXX XXXX to XXXX XXXX of {$2600.00}. FEMA sent XXXX certificates to Select Portfolio Servicing showing my property isn't in a flood plane and said, " You're due a full 1 year refund. '' I contacted Select Portfolio Servicing by phone several times in XXXX XXXX and XXXX XXXX, and was told I was due a refund by customer service representatives. The law states if a homeowner proves with a FEMA certificate that they aren't in a flood plane, then the lender who fraudulently charged the homeowner XXXX XXXX, is required to refund 1 year of XXXX XXXX paid. 
Today, XX/XX/XXXX I still haven't received my refund and the last contact with Select Portfolio Servicing, XX/XX/XXXX, they stated, " you aren't due a refund for the Flood Insurance you paid. '' Select Portfolio Servicing Inc. is stealing from homeowners and they keep getting away with it! Why are homeowners unprotected from lender fraud?
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax and XXXX  accounts vary by XXXX points. I have called equifax several times to discuss the fact that they do not show any of my current credit and they consistently tell me it takes a while for this to happen. Well I have been more than patient waiting around four months and still nothing. One account I can buy a car and the other I cant even buy a candy bar! Equifax also has listed a debt which was paid and was supposed to be removed. I am beyond frustrated!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : Please be advised that in accordance with the FCRA I am enforcing my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. The unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being " reported correctly '' ; but have not provided a reasonable method of verification? I request for the second time that you provide the method of verification you used along with my wet signature. A letter was never sent to my current address or verified. I requested the following information : 1. The name of the individual business address and telephone number of the person or business contacted during your reinvestigation.

2. The name of the person who verified the dispute with the original creditor.

3. The documentation that was used to verify the dispute to date, you have NOT provided me a copy of ANY documentation ( Hard evidence that goes all the way back to the original creditor, not verification from a third-party database including my wet signature ). 

Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). In fact, under Section 611 ( a ) ( 7 ) you were required to provide a description of reinvestigation procedure. Under Section 611 ( 5 ) ( A ) of the FCRA you are required to " ... promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I fully intend on enforcing my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Provide Verification XXXX XXXX XXXX UNVERIFIED ACCOUNT
Product: Credit reporting, credit repair services, or other personal consumer reports

Setup " bill pay '' with XXXX, for mortgage held by 5th3rd Bank. Have regularly paid each and every month from the beginning, YEARS ago. Long ago, I had it set up for payment the XXXX of every month, due the 'guaranteed ' 30th of each month. This year, like three out of four years, XXXX had 28 days ( Yeah! ). BUT this year XXXX hit me with huge penalty when they cashed payment on XX/XX/2019!!! They won't listen to reason, despite the same thing happening every prior year that had 28 days in XXXX, without a problem or a penalty.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, As a consumer, I request to know all the steps your agency took to ensure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting the agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. I previously contacted your company to inform you that I am a victim of a Data Breach/ Identity Theft. I also contacted the Federal Trade Commission and filed an FTC Report which is attached. I DEMANDED to please block and remove all information from my credit report and send me an updated copy of the credit report. However, the following items are still on my credit report. I need your serious work on this. Once again, Under 15 USC 1681c-2 c ( a ) the credit reporting agency must block and remove any alleged pieces of information the consumer considers identity theft within 4 business days of receiving a complaint consisting of the information below. In addition, Please send the following information used to validate the validity of the invalidated items below : XXXX XXXX XXXX XXXX XXXX  The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report. 

XXXX XXXX - XXXX The XXXX XXXX breach has affected my information, and I've noticed several unfamiliar and potentially fraudulent items on my credit report. However, these claims are currently unverified, and according to compliance standards, they can not be assumed as valid or accurately reported without proper documentation. I request proof of adherence to applicable compliance standards specifically for this account. It's important to note that this matter is under investigation by the FTC. Please remove these unverified claims from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need you to attend the following shown items in this letter which contains date taken directly from my credit report which you have provided. 

XXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. # 1681 XXXX XXXX Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX of 2017 I wrote XXXX to dispute their {$89.00} charge for early termination of an agreement we entered about a year ago. 

I explained that the agreement I had made with a XXXX representative was for a continuation of all aspects of my current service for two years at a set price. 

However, after the first year XXXX raised the price on one of the components of the service. I advised XXXX at this time if they did not resend the price increase, I would no longer feel bound by the agreement. XXXX never answered my letter and I swished service. Shortly after XXXX sent a bill for early termination which I did not pay. 

This led them to turn the unpaid bill claim to a Debt Collection agency which led to an Unpaid Bill report to be issued to all 3 credit rating agencies. This led to a downgrade of my 60 years of excellent credit.The 3 credit reporting agencies ( XXXX, Transunion, Experian ) answered my request for an investigation. All three came back marked, " Debt Confirmed
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following accounts as they are fraudulent & were opened without my consent or knowledge. 

XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I requested a copy of my credit report and saw a credit card from XXXX on my report. I reported this as fraud to Transunion twice and both times they emailed me stating the account is mine and is showing current activity in line with their investigation. I was then told to call the bank the card was open with ; the bank is XXXX XXXX I call and give the representative at XXXX the information I received from Transunion, which is card number ( XXXX ), the credit line ( {$1500.00} ) and date opened ( XX/XX/year> ). XXXX verified that there's no account with the information I presented. 

I then called Transunion again and reported what I was told by XXXX XXXX I was told by the Transunion representative that they will start another fraud investigation. This is now my XXXX report to Transunion. 

I am very frustrated that Transunion would not take my request to close the account and report it as fraudulent. I gave them all my personal/sensitive information as verification of who I am, and I'm still left with someone using my personal information. I'm afraid this person can use my information for much more if this is not stopped.
Product: Checking or savings account

Wells Fargo cashed a check with a forged signature, withdrew the money from my account and has failed repeatedly to accept responsibility for the fraudulent transaction and return the funds to my checking account. I have spent hours -- more than ten -- speaking to Wells Fargo representatives by telephone and on hold waiting for them, but no one is willing to resolve the issue. This has gone on for more than a month. I am issued one claim number after another, but half the time I call, the person I speak to ca n't find the number that was given to me. I ordered the check for {$670.00} through the XXXX software on my laptop, and the check was sent on paper by U.S. mail to the Post Office box of the company in Maine that invoiced me for a repair the company had performed. The owner of the company said she never received the check, but it was cashed with an individual 's signature that the owner could not identify. The check was made out to a company, but the endorsement did not bear the company 's name. A copy of the check supplied by the bank is attached to this complaint. Wells Fargo sent the company an affidavit, which the owner said she returned asserting she did not receive or cash the check. I believe Wells Fargo is legally responsible for cashing a check with a fraudulent endorsement and should have returned the money to my account weeks ago. When I try to track down my claim, I get referred to one department after another at the bank, from consumer services to fraud to online payments to XXXX, but no one accepts responsibility, and the issue never gets resolved.
Product: Debt collection

My late father 's house had a {$120.00} utility bill by XXXX XXXX. The bill was sent to the new owners and they did not forward the bill to me for payment. 
I sold the house and the bill was in limbo as to who owed the bill. 
I never received any notice from XXXX, or Helvy, ( collection agency ) until it was turned over to collection. I sent two letters to Helvy explaining the situation and that the bill was due / paid by the new homeowners. Zero response from Heavy. 
Finally when I saw the collection on my credit report, I called Helvy and explained that I would pay the bill but I needed the collection off of my report. They stated that they would show it paid, but not take off the report. 
I contacted XXXX XXXX and they stated if I paid them, ( XXXX ) they would notify Helvy that this was paid in full, and to mark paid and remove from my credit report. This was not done. 
I filed letters with the three credit agencies stating the dispute, and to remove. XXXX   removed it in 24 hours. The other two agencies have not. 
This gross mistake by Helvy is costing me a mortgage and poor credit score. 
Thank you in advance for your help.
Product: Credit card

I was on an XXXX XXXX XXXX in XX/XX/year>. The flight attendant was soliciting people who wanted to sign up for an XXXX XXXX XXXX XXXX The incentives were, among other things that I can't recall right now, " access to the VIP section at the airport, no suitcase ( " bags ) or luggage fees, and XXXX miles on my frequent flyer account. '' This seemed like a really good deal, so I signed up. My flight to XXXX XXXX gave me on XXXX miles, so XXXX would mean I could book free flights in the future. I certainly didn't need another credit card. I have several, and keep the balance at XXXX. 

The first thing that happened was that they did a hard credit inquiry and my credit score went down. That was upsetting. 

The card arrived after several weeks. There a note that read I had to charge {$3000.00} the first 90 days of owning the account, in order to get " the bonus. ''. I thought -- wow, the attendant never mentioned that. But I wanted the XXXX and I began to use it. 

Soon thereafter, I went to my XXXX XXXX account online and there was nothing about bonus miles. Also, there was no way to pay off the charges I had made. As it turns out, this is a Bank of America account! I would never have opened a BofA account due to previous negative experiences in the past. 

But I had signed up for the card, due to either my own gullibility, or the misleading promotion of XXXX XXXXXXXX. So I thought I would try to charge the {$3000.00}. I soon realized that there was no way I could charge that much food and clothes. No other companies would accept the card. 

After a lot of time spent online, about a week, I was able to make an online account and pay off what I had charged. I then decided that I had been swindled and was going to file a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit ran and hard inquirys incurred. 
XXXX XXXX XX/XX/XXXX Barclays Bank XX/XX/XXXX
Product: Mortgage

I went bankrupt in 2010. At that time XXXX with the holder of my second. I was informed XXXX went bankrupt and my second was charged off. This is documented on my credit report. Due to a divorce, I was required to refinance my house in my name. When I went to do so, I was told that Di Tech had a lien on my house and that they had " purchased '' my second. They refused to settle for lesser amount unless I completed their hardship paperwork. I completed and they refused to settle, stating there was equity in the home and that I would have to subordinate their lien. I had the mortgage company request subordination. They refused to sign, stating that I was over the 9 months in my divorce court order to refinance. Throughout the process, Di Tech has dragged their feet, stated they have not received paperwork, and refused to cooperate on this very questionable lien. Some of the ways they did this was giving me the wrong contact person and email, stating they did not receive paperwork ( I resent at least five times ), taking long periods of time for turn around in regards to response to requests. I started this process over six months ago with them. I was trying to get a XXXX refinance, which I understand they are required by law to accept.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I noticed accounts opened on my behalf when I opened my credit report. 
Fraud Account needing attention : -XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) -XXXX XXXX Inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/2023 Experian CPS XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX  XX/XX/2023 Experian XXXX XXXX XXXXXXXX XX/XX/2023 XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Company claimed I owed them for a cable debt and that I was reporting living in New York. I told them I was not they requested I send my copies of personal information and felt very much like a scam. I told them they needed to prove my identity for opening they hung up. Recently they put a collection for XXXX and a XXXX account. I have filed a police report XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX around XX/XX/XXXX. It said my data had been breached. Today I heard this website gives random results, so I checked again today, XX/XX/XXXX. It told me I was not affected. Was I affected or not? I do n't know.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, 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. Please remove the following items from my credit report, immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX