23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

On XX/XX/XXXX I have purchased a dark-gray XXXX XXXX XXXX unfortunately my car was illegally repossessed which violated my rights under consumer laws 15 USC 1692f . The consumer law states taking or threatening to take any non-judicial action to effect dispossession or disablement of property. ( A ) There is no present right to possession of the property claimed as collateral through an enforceable security interest. ( B ) There is no present intention to take possession of the property. ( C ) The property is exempt by law from such dispossession of disablement. Also they violated the Consumer Law 15 USC 6802 when they reached out to a non affiliated third-party to repossess my vehicle and Identity theft by giving this third-party my personal information such as my name and address to illegally repossess my XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just pulled my credit report and found items that are not mine on my report. 

There is a XXXX account opened XX/XX/XXXX on my file. I was XXXX from XX/XX/XXXX till XX/XX/XXXX. There is no way I could have opened this account. It is fraud. I have tried to dispute this previously to no avail. 

There is an account with IC Systems that was a XXXX account. The service address is an address that I never lived at on XXXX XXXX in XXXX. I did not reside at this address. Again I have disputed the account with IC Systems and XXXX previously with no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to submit a dispute online at experian.com but it would not allow me to. There are incorrect versions of my name, as well as an incorrect address listed on my credit report. 

My name is XXXX XXXX XXXX. 

REMOVE : XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) XXXX XXXX ( Name ID : XXXX ) Also, my address is XXXX XXXX XXXX XXXX , XXXX, FL XXXX. 

REMOVE : XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX FAMILY The variation of my address and of my name are incorrect. I have attached a copy of my bank statement proving my address and my ID to provide proof of my name.
Product: Credit card

A purchase was attempted using ALLY Credit card. The transaction was shown as " Error '' on the vendor 's end on XX/XX/24 and was cancelled. Subsequent calls made to ALLY Bank ( 11 ) in total to get the charges dropped and taken off " Hold '' from my account were unsuccessful. I was given multiple misinformation such as the charges would be removed off my name in 3-5 business days, another customer service told me on XX/XX/24 that the charges were off and today looking at my account the {$5100.00} was still there. When called the ALLY representative who identified herself as a " Supervisor '' claimed that now it would take up to 112 business days for a non existent charge to be dropped off my account. When I explained to her that it was fraudulent practices she dismissed me and took no notice that I had made 11 calls in total to resolve the matter.
Product: Debt collection

XXXX Reported to XXXX XXXX  by phone agent, that this debt in constantly being reported on my credit report negatively affecting my life. This debt has become an unnecessary hindrance to my ability to estabish credit and enjoy life. The debt reported is a {$620.00} debt for the calendar year of XXXX. 
25 years later i am still being contacted by a debt collector for payment that i do not owe! 
I currently have a very low credit score and am being rejected and this undue adversity only complicates matters for me. 
The debt is not valid and should not even exist or be reported in any action as i went through bankruptcy in XXXX, clearing my debts. Also being, unlawful for any agency to report any debt after 7 years, this has been almost 4 times that length of time, causing 4 times the adversity.
Product: Credit reporting or other personal consumer reports

I'm sending this compliant to inform credit bureaus that the following companies made unauthorized inquiries on my personal credit report. I have listed the names of the companies below, and the dates the inquiries were made. 

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
Product: Mortgage

I have been with Lakeview Loan Servicing/XXXX XXXX XXXX XXXX ( hereafter referred to as " XXXX '' ). Mortgage for three years. I recently made the decision to refinance and thus change mortgage companies and homeowner 's insurance companies. XXXX is responsible for paying my homeowner 's insurance from my escrow account and has done so without issue in the past. Recently, they allowed my insurance policy to lapse for non-payment. The company was notified of the pending cancellation via letter from XXXX XXXX. Prior to this happening, I had called to notify them of the change of insurance companies and provided them with the necessary information to continue making payments. It was only once I received notification from the new insurance company ( XXXX XXXX ) and the refinance company ( XXXX XXXX ) that I was made aware that the policy had not been paid. Not only was this holding up my refinance but the policy was due for cancellation. I immediately contacted the insurance company and was told that the payment needed to be sent overnight. I contacted XXXX and was assured that the payment would be sent via overnight. Days later, I was notified by XXXX XXXX that the policy had still not been paid. I called XXXX again and was told that the payment had in fact not been sent because the representative I had spoken to did not provide " adequate documentation '' when making the requests for payment. Instead of XXXX notifying me that they payment was not paid, they simply ignored it and allowed my policy to lapse ( unbeknownst to me ). 
While this may appear to be simply a careless mistake, I am convinced that since I had made a decision to go with a different mortgage company, XXXX maliciously and intentionally neglected to pay my homeowner 's insurance. I am requesting that this incident be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

trying to link my bank account to buy stock at XXXX Denied - Please fix this problem.
Product: Money transfer, virtual currency, or money service

On XXXX I had put {$1000.00} into my XXXX account and they took my money and gave me a service fee to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following items are inaccurate and/or an error. I am demanding these items be deleted as independently the following credit bureaus say the debt has been verified, but that is not possible since there are still inaccurate/omitted/conflicting items. 
XXXX : o Equifax reports last payment as XX/XX/year> but XXXX reports XX/XX/year> o Reports as charged off, but I have never received a 1099C which is required when its charged off. 
o Equifax and XXXX reports as never late, but XXXX says XXXX 30 days, XXXX 60 days, and then charged off. 
o XXXX reports the closed date at XX/XX/year> but Equifax reports XX/XX/year> XXXX : XXXX Equifax reports last payment as XX/XX/year> but XXXX reports XX/XX/year> o Reports as closed and written off, but I have never received a 1099C which is required when its written off. 
o Equifax and XXXX reports as never late, but XXXX says XXXX 30 days, XXXX 60 days, and then charged off. 
XXXX XXXX Equifax reports last payment as XX/XX/year> but XXXX reports XX/XX/year> o Reports as charged off, but I have never received a 1099C which is required when its charged off. 
o Equifax and XXXX reports as never late, but XXXX says XXXX 30 days, XXXX 60 days, and then charged off. 
o XXXX reports the closed date at XX/XX/year> but Equifax reports XX/XX/year>
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 violates the Consumer Financial Protection Act. 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 and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

In 2013, I XXXX XXXX entered Into a consumer credit transaction XXXX XXXX, bank of America NA which became serving provider a consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 usc 1605 is the sum of all charges in a consumer credit transaction, because I know the finance charge is the sum of all charges I was not expecting a bill, shortly after that I received a bill which is a violation of 15 usc 1692k, 15 usc 1692 b2 also the company failed to provide me with a right to rescind which is a violation of 15 usc 1635, also failed to provide me with option to opt out of all credit reporting 15 usc 6802, ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is By willfully doing this XXXX XXXX has violated many laws according to truth and lending & fdcpa .Also all consumer credit transaction are not supposed be reported without my consent 15 usc 1681b permissible purpose company failed to provide me with opt notice which is a violation of Gramm-Leach-Bliley Act. I attached my invoice and my license.
Product: Credit card

XX/XX/2021 - Settled as discussed but appearing as a negative XX/XX/2021 - Settled as discussed but appearing as a negative
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and other CRA 's fail to provide clear, concise, accurate dispute results through obfuscation. If one has multiple disputes with a CRA, there is no way to tell which dispute they are responding to, or even what correspondence they are replying to ; I'm convinced this is intentional. 

These companies ( CRAs ) hold enormous amounts of power over consumers ; They can and do affect the livelihoods of consumers with the 'flip of a switch '. It's not unreasonable for consumers to expect communications from CRAs to be accurate, unambiguous and timely. In my humble opinion, the law demands it! 

Ambiguity is common practice with the CRA 's and needs to stop. They are, in my opinion, intentionally making it impossible to dispute inaccuracies in a timely, efficient manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an charged off account XXXX XXXX thats reporting to all three bureaus. And they are reporting an past due balance each month thats been charged off and the account status is reporting open. Please remove
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/year> since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged-off account should not include an active payment history this inaccurate information falsely manipulates the stature of limitations you failed to investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights I am demanding a deletion of the following ( XXXX XXXX  XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have tried Numerous of times to dispute 2 XXXX federal accounts thats are closed. They appear on all credit bureaus. Ive settled with with XXXX XXXX months ago. XXXX XXXXl state its company policy that they dont furnish deletion letter for credit removal instead they send a letter stating the transaction has been settled. This closed account have be a very big strain on my family and I. It has prevented me from trying to help my family and I through these inserts in times in the world. This is very unfair Ive work tremendously hard with XXXX XXXX my other creditors to fix the issue. I have had a late payment on any account in 6 years and this is hurting me really bad. Please have these removed from my credit report. What cause my credit issue was a car accident where I lost everything and I couldnt pay for anything at that time and ended being homeless. I have then healed and gotten well and Im just trying to better my situation.
Product: Payday loan, title loan, or personal loan

Note : This is separate from previously filed complaints and only refers to the two most recently made payments of XX/XX/XXXX and XX/XX/XXXX. 

Website login gave scheduled payments as above- XX/XX/17 and XX/XX/17. 

Both payments were submitted as scheduled and were properly receipted and reflected in payment history. 

However, neither affected the interest nor the principal balances shown, which remained unchanged. 

In addition, neither payment was reflected in reporting to consumer credit reporting agencies
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. Here is the following accounts in question : 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

XX/XX/XXXX I checked my credit report because I received a text on XX/XX/XXXX, XX/XX/XXXX and one on XX/XX/XXXX. I originally thought this was a scam because I didn't have credit and am on XXXX. When I called I was advised it was a collection for a medical debt from XX/XX/XXXX. I told the representative that it shouldn't be appearing on my credit report, and she said they do report it and she doesn't know about any law to prevent medical debt from being in my report.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX XXXX XXXX  as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX credit bureau has been reporting the wrong information on my credit report since XXXX I informed them that XXXX XXXX XXXX is reporting an account on there that is not mine that was closed and never reopened have proof when I log into my online account on XXXX XXXX is the right account but on my credit report they're reporting the wrong account I've been telling them for 4 years that it's not the right account and they refuse to believe me they automatically believe XXXX XXXX without any proof it seems like they always take the big guy side XXXX XXXX is a XXXX XXXX company they're reporting the wrong information on my credit report and I complain to all credit bureaus and they just refuse to believe me and they're not asking for any proof from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent you a complaint previously to inform you that I am a victim of identity theft. I have also sent multiple letters to the credit bureaus regarding this and I have not received any response from them. I have recently checked my credit report and I noticed that the item that I have previously disputed is still reporting on my credit report. The negative items listed below do not belong to me. I am in need of your help in removal of these items from reporting on my file. I will include here the copy of my identity theft report together with the letters that I have sent to the credit bureaus and some documents to help in the deletion of these negative items found on my report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

Dear CFPB, I am writing today because US Bank is not processing my payments in a timely fashion or correctly. I have filed complaints in the past and US Bank gave back a little after I filled a complaint with you. I stared my loan modification with them back in XXXX. It ran on and on I complied with all their request. I finally gave up hires a lawyer and filled litigation against US Bank. Case #  XXXX in XXXX XXXX County. All seem good had a demure hearing scheduled XX/XX/XXXX XXXX. My lawyer failed to show we lost the demure hearing and US Bank immediately filed a Notice of Default against me. I was done with loan mods and lawyers, so I sold some of my retirement stock to get the money together to reinstate my US Bank loan. 
At that same time the world was hit with COvid-19 and US Bank sent out they would offer a temporary forbearance on payment because of the pandemic. I applied for the relief. Her on comes the first problem. 
1. First reinstatement figure was {$230.00} expired on XX/XX/XXXX the day I was released from the hospital 2. Second reinstatement figure was {$250000.00} Expired on XXXX XXXX at which time I ordered a demand to see why it was {$250000.00} to reinstate a loan with a balance of {$490000.00}. This is when I applied for the forbearance because of the pandemic. and I felt that would give me enough time to liquidate more assets to pay the extra {$19000.00} it had increased in 45 days. 
3. Got the money together finally and then I get an even higher reinternment figure of {$270000.00} that would be good thru XXXX XXXX After going thru that and watching it increase approximately $ XXXX a month I borrowed and sold everything I could and came up with the {$270000.00}. I went to US Bank and bought a cashiers check per their instructions since they would not accept a wire. I then overnighted I to them and have included proof of the check and their receiving it. 
After 3 weeks of nothing from them and they are still reporting me delinquent to the credit bureaus and they still have the NOD recorded against my property. I have sat on the phone for hours with them get transferred all over XXXX and nothing. No one can tell me what my payment is or when I will receive a statement or when the NOD is going to be lifted. 

Then on XX/XX/XXXX I finally get a statement from USBank which I have enclosed showing I have 17 days to make an additional payment of {$280000.00} and this HELOC does not mature until XXXX. The payment for the next 6 years and 3 months should be a lot less the {$280000.00}. 

1. What I am looking for is a realistic payment based on my actual balance and current rate of 3.25 % for the remaining term 2. Correct the delinquent reporting on my credit so I can refinance and get away from US Bank. 
3. Remove the NOD recording against my home at XXXX XXXX XXXX XXXX XXXX Ca XXXX Feel free to call me if you have any questions XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquiries Appearing On Credit Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized accounts & inquires on my Credit report. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) any unauthorized items on my report must be removed if not 100 % accurate and verifiable. Please Remove this From my report. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed