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

I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency XXXX XXXX XXXX and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however TRANSUNION and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. XXXX XXXX XXXX has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS.

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Prepaid card

I frequently use the CashApp debit prepaid card for hotel charges. When I arrive at the hotel, the hotel authorizes the incidentals charge on the CashApp card which shows up as a pending charge. Upon checkout, the hotel releases the charge and issues a receipt that indicates if incidentals were charged and the amount, if any. 

CashApp has refused to release the pending charges and follow their own expedite policy regarding releasing authorizations. CashApp continues to hold the authorization/pending charge several days even after the hotel has released the charges and provided written proof of the release. 

Additionally, they refuse to provide information on a formal complaint and escalation procedure to resolve the issue. Their approach is both capricious and without regard to the customer. 

On XX/XX/scrub>XXXX  I requested that CashApp release a {$50.00} authorization for incidentals from a hotel by providing with a receipt from the hotel indicating that I had check out and the final bill was a {$0.00} balance. As of XX/XX/year>, CashApp has not release the pending charge and refuses to release the funds. There was another {$20.00} incidentals authorization from another hotel on XX/XX/scrub>XXXX I provided them with a receipt from the hotel displaying a {$0.00} balance requesting that they release the {$20.00} authorization in accordance with their published and stated authorization release policy. As of XX/XX/year>, CashApp is refusing to release the funds or provide an explanation why these transactions are being treated differently from previous transactions. 

I appreciate the CFPB assistance in expeditiously resolving these issues.
Product: Mortgage

In XXXX my wife and I purchased a home. Our mortgage was " sold '' several times in the early XXXX and we refinanced a couple of times. In XXXX we did a refi with XXXX XXXX. In XXXX we paid the loan off in full with never a missed or late payment. In XX/XX/XXXX I applied for a HELOC loan with my local bank, A couple of weeks later they informed my that their was a lien on my house. Someone sold the mortgage and didn't release the lien therefore my HELOC loan was denied. Correcting problem this was put squarely on MY shoulders with no knowledge of loans or mortgages. I eventually tracked the lien to 5th 3rd bank. I literally spent hundreds of hours tracking this down and attempting to get them to release the lien. After months of fighting to reach someone XXXX XXXX told me that they don't have the lien. Everyone else says they do. I have hired a lawyer and he has been working on this for months as well. I have no idea what his final bill will be. And still I don't own my home. 
This has been a nightmare for me and my family. Any help would be greatly appreciated.
Product: Credit card

I purchased a promotional prepaid debit card through my company 's employee rewards program in XXXX, XXXX. I did not activate the card until XX/XX/XXXX, and at the same time activated several other cards and transferred the balances to XXXX card. I attempted to use the card with the balance on XX/XX/XXXX, which I had used previously but it still had a remaining balance. The card had been deactivated. I saw that it had an expiration date of XX/XX/XXXX on the card, so I called North Lane Technologies , Inc. ( the administrator of the card ) and requested that they reactivate the card. They would not reactivate the card. I asked what happens to the funds that I paid for and loaded onto the card, and they said they were forfeited because the card expired. 

I explained to them The Credit Card Accountability Responsibility and Disclosure Act ( CARD Act ) of XXXX, which requires that Bank gift cards, which carry the logo of a payment card network ( e.g., XXXX, XXXX ), are also subject to Credit CARD Act protections and can be used wherever the brand is accepted. Under the law, a gift card can not expire until at least XXXX years from the date it was activated. XXXX XXXX has escalated the case. 

I have also filed a complaint with the Federal Trade Commission ( Ref : XXXX ), and will be contacting my State Attorney General. 

I would like my card to be reactivated, reissued or my funds returned to me.
Product: Mortgage

I was contacted by State bridge Mortgage, the servicer on my loan after the Hurricane in XX/XX/XXXX and after my neighborhood was declared a federal disaster area. They offered me a reduced payment option for 6 months and then went on to say that the difference of my regular mortgage payment would be capitalized adding it to the back of my loan. I accepted the option, paid the agreed amount and have since resumed making the regular payments as of XX/XX/XXXX. 

State bridge has sent me demand letters for the difference that they claimed would've been capitalized, they are reporting my mortgage as delinquent since XX/XX/XXXX and the regularly scheduled payments that I have resumed making since XX/XX/XXXX are being placed in suspense. Not only has this had an adverse effect on my credit but its also affecting my employment because my employer actively monitors my credit so this is becoming a huge problem. Furthermore, back in XXXX when the storm hit XXXX Florida I had already made the scheduled payment for the month of XXXX " prior '' to State bridge contacting me with the offer, they claimed that they never received it. In addition, I am really starting to question the competency of this servicer because not only are they reporting my payments incorrectly they also allowed my homeowners policy to lapse. And as luck would have it this was during an electrical fire/appliance damage caused by XXXX 's faulty wiring that started outside of the home. I would like to file a formal complaint against them because I have to get this under control. If I was having difficulty making the payment I can understand, if I didn't make the payments we wouldn't be having this conversation, but neither applies. I have also hired an attorney to pursue the matter at the credit repository level as well because again it is affecting my employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting 5 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. 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. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g
Product: Credit reporting or other personal consumer reports

I submitted a dispute letter to Equifax on XXXX and they didn't respond within 30 days. I am submitting this complaint to get help from the CFPB with this dispute. It is my right as a consumer to dispute inaccurate accounts on my credit report. I don't understand why Equifax will not cooperate. This is causing me so much stress. 

I would like for Equifax to start an investigation for the XXXX XXXXXXXX account that I included in my dispute letter. 

Attached is the dispute letter, my ID and my social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt was included in a amortization of debt. We filed inXX/XX/2018 And was a court order payment plan. I have tried several times to get the bank to fix my account. They charged off my account after the court order and sent it to a collection agency. They are breaking the Wisconsin law. The trustee notified XXXX XXXX in XXXX about the plan and did accept the agreement. This account should be current since XXXX and not a charge off collection I have spoke with there attorney and was told they have nothing to do with the way XXXX XXXX  is reporting the payments. He told me he would contact them. Never heard back. I just received a letter from XXXX they claim they are correct. Not true
Product: Checking or savings account

I opened an account with truist bank on XX/XX/XXXX I was told my irs refund check that was being mailed would be available next day once deposited. On XX/XX/XXXX I Deposited my IRS Government refund tax check and I was told my account was not valid.. I tried to deposit it with XXXX  XXXX  ( online bank ) and was told truist had already ran the check through their institution by XXXX  XXXX. The check went bank to be deposited into truist and was accepted after further explaining on XX/XX/XXXX XXXX was told check would be put on hold for XXXX business day by Branch manager XXXX XXXX XXXX XXXX I was also told I would be able to open an account and have my funds available next day which was not the case. After check was put on hold then released into my account on XX/XX/XXXX the fraud department of Truist bank blocked my account and closed my account with no explanation. When I called the bank and asked for clarity they referred me to the fraud department which asked for several documents which I provided same day, upon receiving documents they advised they would need more documents to release funds including my official tax transcripts. They have cashed the check, which I can see the funds available in my account but have been blocked by the institution. I also went in the office later during the week and talked to another Branch Manager of XXXX XXXX who advised my funds would be realeased after he scanned the documents to the department of fraud. They are now asking for more documents to prove with no explanation or time frame of when I will be able to access my account. The customer service reps have been rude and have not helped at all. I would love some help on getting this resolved as soon as possible. My family is homeless and need these funds to move into our department.
Product: Credit reporting or other personal consumer reports

DATE : XXXX XXXX RE : REQUEST FOR REMOVAL OF INACCURATE COLLECTIONS FROM MY CREDIT REPORT DEAR SIR/MADAM, I AM WRITING TO BRING TO YOUR ATTENTION INACCURACIES PRESENT ON MY CREDIT REPORT, SPECIFICALLY RELATED TO CERTAIN CHARGED OFF ACCOUNT THAT ARE CURRENTLY BEING REPORTED. THESE INACCURACIES ARE CAUSING SIGNIFICANT DAMAGE TO MY CREDITWORTHINESS AND FINANCIAL WELL-BEING. 
I HAVE THOROUGHLY REVIEWED MY CREDIT REPORTS FROM ALL THREE MAJOR CREDIT REPORTING AGENCIES, AND I HAVE IDENTIFIED ACCOUNTS THAT DO NOT ACCURATELY REFLECT MY FINANCIAL HISTORY. THE INACCURACIES INCLUDE ACCOUNTS THAT DO NOT BELONG TO ME BECAUSE THE DEBT COLLECTOR PURCHASED THEM, AND I HAVE NEVER ENGAGED IN ANY BUSINESS TRANSACTIONS WITH THE THIRD-PARTY DEBT COLLECTOR. 

BELOW ARE THE DETAILS OF THE INACCURATE COLLECTIONS ACCOUNT : XXXX XXXX XXXX XXXX I AM AWARE THAT THE FAIR CREDIT REPORTING ACT ( FCRA ) GRANTS CONSUMERS THE RIGHT TO DISPUTE AND REQUEST THE REMOVAL OF INACCURATE INFORMATION FROM THEIR CREDIT REPORTS. IN ACCORDANCE WITH THIS LAW, I KINDLY REQUEST THE FOLLOWING : XXXX. VERIFICATION OF THE ACCURACY : I REQUEST THAT YOU INVESTIGATE AND VERIFY THE ACCURACY OF THE CHARGED OFF ACCOUNT LISTED ABOVE. PLEASE PROVIDE DOCUMENTED PROOF OF THE VALIDITY OF THIS ACCOUNT, INCLUDING ANY CONTRACTS, AGREEMENTS, OR OTHER RELEVANT INFORMATION. 

XXXX. REMOVAL OF INACCURATE CHARGED OFF : IF THE ACCURACY OF ANY OF THE IDENTIFIED ACCOUNTS CAN NOT BE VERIFIED, I REQUEST THEIR IMMEDIATE REMOVAL FROM MY CREDIT REPORTS. THIS ACTION IS NECESSARY TO ENSURE THE ACCURACY AND FAIRNESS OF MY CREDIT HISTORY. 

XXXX. UPDATED CREDIT REPORTS : ONCE THE INVESTIGATION IS COMPLETED AND ANY INACCURACIES HAVE BEEN CORRECTED, PLEASE PROVIDE ME WITH UPDATED CREDIT REPORTS REFLECTING THE ACCURATE AND AMENDED INFORMATION. 

I KINDLY REQUEST THAT YOU INITIATE THE INVESTIGATION PROCESS AS SOON AS POSSIBLE AND RESPOND WITHIN THE XXXX TIME FRAME MANDATED BY THE FCRA. YOUR PROMPT ATTENTION TO THIS MATTER IS GREATLY APPRECIATED. 

PLEASE SEND ALL CORRESPONDENCES RELATED TO THIS DISPUTE TO MY ADDRESS LISTED ABOVE. I AM PROVIDING THIS INFORMATION TO FACILITATE COMMUNICATION REGARDING THIS ISSUE. 

I VALUE THE ACCURACY AND INTEGRITY OF MY CREDIT REPORTS AND TRUST THAT YOU WILL CONDUCT A THOROUGH INVESTIGATION TO RESOLVE THIS MATTER EFFECTIVELY. IF YOU REQUIRE ANY ADDITIONAL INFORMATION OR DOCUMENTATION TO ASSIST IN THIS PROCESS, PLEASE DO NOT HESITATE TO CONTACT ME AT XXXX THANK YOU FOR YOUR PROMPT ATTENTION TO THIS MATTER. I LOOK FORWARD TO A TIMELY RESOLUTION AND THE CORRECTION OF THESE INACCURACIES ON MY CREDIT REPORTS. 

SINCERELY, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Have been locked out myequifax.com account off and on over the course of the last 3 years. I have spoken with the company to troubleshoot this over a dozen times. I have provided verification documents, attempted to log in on multiple devices and internet connections, to no avail. 

My issue has been " escalated '' to the higher-ups multiple times, yet I have received no response or resolution. I was informed today that the latest escalation has been pending since XX/XX/year> - with no update or resolution date available. 

I have been denied the ability to access critical credit information as a result of this issue. 

My latest case number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed all reported collection accounts from : XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. The accounts have not been removed nor have I been provided with the hard copies of verification documents and methods in case this must be litigated against the credit reporting agency. 

On XX/XX/2020 I received online Dispute Results from XXXX  in which 10 entries in total ( 5 ) XXXX XXXX, ( 3 ) XXXX   XXXX, ( 1 ) XXXX XXXX, and ( 1 ) XXXX XXXX XXXX   have been deleted from XXXX. 

Under FCRA 623 ( b ) ( 1 ) ( D ), if a furnisher determines, after investigation of a referred dispute, that the information either requires correction or deletion, they must report that correction or deletion to each CRA to which they have also reported the information. 

It is not sufficient to simply update/delete with the CRA through which the dispute was made. 

This credit reporting agency is continuing to erroneously report these entries causing me financial harm. 

I am attaching the results of the online dispute with XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved. In XXXX XXXX terms and conditions they agreed not to share my personal nonpublic financial information with non affiliates. Experian, XXXX and XXXX is not an affiliate of XXXX XXXX nor a " bureau '' as they have stated. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports. In reference to the XXXX XXXX Account # XXXX. I wrote XXXX XXXX a letter informing them of their inaccurate reporting of an account on my consumer reports. XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency such as Experian, XXXX, and XXXX if the person knows or has reasonable cause to believe that the information is inaccurate. The IRS Clearly defines a charge off/Canceled debt as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX for the cancelled debt of { {$3400.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information, and as such I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.