23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I appreciate all the information and understood. Although there was a false statement about the notice and mail. I never recieved it, they didn't come by to talk to me, or email, or call me. I never got a notice at all, and was unaware that there was that I needed to pay this or was on the way of being vacate. It would of been appreciated if they knocked on the door and personally talk to me not the main person on the lease. If there is evidence of a mail being sent then it must of gotten open or thrown away by the main person on the lease, as well the paper that you guys claim they put was taken down by the main person on the lease and didn't told me. Because I am sure I didn't get no mail about stating I owed money. I would like to dispute since I wasn't notified and they didn't use any other form of way to notify me by this because it's a big deal that I should of known before hand. I want to do something about this because it's not fair, that my mail could of been tampered with and open, then it being thrown away.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 personal credit card account opened at XXXX  XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3900.00} 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 # ( private case number ) 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, credit repair services, or other personal consumer reports

I filed complaint with the company informing them of the unauthorized account being placed on my consumer report, account was never removed and is now in investigation and Im requesting that it be removed by the CRA.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$14000.00}
Product: Debt collection

I have had XXXX insurance since XXXX. I should n't owe anyone anything
Product: Credit reporting

I checked my credit score on XXXX and it says that I have a derogatory mark on my credit from XXXX for XXXX in 2013. This is my XXXX time checking my credit in a while. I have never had a XXXX account nor do I owe anyone XXXX dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth as I have tried to submit information that supports a dispute that I sent to Experian via USPS Certified mail. I am a victim of Identity theft and have contacted a creditors and Experian to dispute the fraudulent account reporting to my credit report, the creditor nor Experian has not responded to my request for investigation and they have failed to comply with FCRA section 609 which requires them to remove erroneously reported accounts and FCRA Section 611 which requires them to let me the consumer know when, how and who compiled the information of their investigation once I made them aware the accounts were fraudulent and disputed their claims and gave validation with law enforcement documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to dispute the following information in my file. I recently received a copy of my credit report, and I notice there is an unauthorized credit inquiry made by the company listed above. To my knowledge, I have not signed any documents authorizing the company in question to view my credit report. The listed inquiry was without authorization, and for no legitimate business purposes. As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act {$600.00} as well as a violation of my rights to privacy. I am requesting your credit bureau to initiate an investigation and to determine responsible parties in this unauthorized credit inquiry. As part of your investigation, please send the names, business addresses, and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. In addition, I respectfully request a copy of any documents authorizing credit inquiry, and signed on my behalf, so that I may verify its validity.

If you find that I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. If you find that I am in error, then please send me proof of this. 
Finally, I am requesting an updated copy of my credit report, which should be sent to the address listed above. 
According to the provisions of 612 ( 15 USC 1681j ), there should be no charge for this report.
Product: Debt collection

On XX/XX/23, Hunter Warfield , Inc. sent me an email to my email account XXXX stating that they were collecting a debt for XXXX XXXX XXXX of {$140.00}. The email stated that I could dispute the debt in part or in full by XX/XX/23. If the debt was disputed, Hunter Warfield, Inc. must stop collection on any amount you dispute until they send information that shows I owe the debt. On XX/XX/23, I sent a letter through certified mail disputing the debt in full and requesting a debt verification letter. A copy of this letter is attached in the documents, as well as my certified mail receipts. As outlined by the Fair Debt Collection Practices Act : " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' ( 4 ) was never completed by Hunter Warfield , Inc. after I disputed the debt and requested a debt verification letter. No additional collection efforts were made by Hunter Warfield , Inc. As of today XX/XX/23, the debt verification letter has yet to be sent to me. This is a violation of the Fair Debt Collection Practices Act. At some point that is unknown to me, Hunter Warfield , Inc. reported a collection to XXXX, XXXX, and XXXX. This collection now appears on all of my credit reports, and is potentially negative to my credit score. This has transpired without any communication from Hunter Warfield , Inc .
Product: Credit reporting, credit repair services, or other personal consumer reports

ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX
Product: Student loan

Hello, I have a loan with ECMC currently and I'm in Chapter XXXX until next month. 
I have attempted to find out what my options are regarding decrease/pause on interest accruals and have only been slapped down by ECMC with any attempts I have to try to reduce my burden after my bankruptcy is complete next month. 

While the rest of the nation enjoys no interest and no student loan payments I'm still throwing money away. I have paid in over XXXX during my bankruptcy but while ( exorbitant ) interest is still accruing no one is willing to assist me in helping me reduce my loan debt.

Obviously I have no issue trying to repay my loan but I'm also at the end of my rope with ECMC who cares little about my mental or financial well being. 

I've contemplated what I might do if I'm unable to resolve this and move on with my life and should anything happen to me it will certainly be because of ECMC and the ridiculous interest rate and unwillingness to assist me in reducing any of this. 

I'm going to reach out to my senators and state legislature members as well because I need help and I need to know help will be there when I come out of bankruptcy next month. 

Thank you, ECMC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX Reported incorrect Information on my credit reports and I called these three major credit Bureaus to clear all their derogatory reports, but they have not complied since 2002 till present. 
XXXX, XXXX XXXX, AND EQUIFAX made my life miserable. 
I can not refinance my house loan. 
I can not cash out since 2002 till present. 
As a XXXX XXXX  I can not do " A '' loans for my clients because of the damage they have done to my credit. Their damages to my credit suggests that I have bad credit, which makes me ineligible to help clients who have good credit. They have defamed my character with false reports. 
Credit card companies will not approve me. 
Banks will not approve me to obtain loans. 
I have to purchase Bond to enable me to do b and c loans.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : Account name XXXX Account # : 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, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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 effectively 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 readdress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.. I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX, XXXX, CA, XXXX, ACIMA DIGITAL FKA SIMP XXXX Open Date XX/XX/2021 Balance : {$1400.00}
Product: Checking or savings account

I am filing a complaint about AXOS Bank. I had made 2 check deposits via a mobile device. I had to photograph 2 checks. I had received emails that confirmed my deposits went through and everything was OK. 3 days later, XXXX of the deposits in the amount of {$88.00} did not go through because of the photograph, and there was a negative in my account because of this. AXOS Bank sent me an email through my account telling me to mail the check to them. I mailed the check to them on XXXX. It was almost 2 weeks and I still never heard the status. I called the bank numerous times for updates and I was told they never received the check back. Somebody dropped the ball because they did receive the check. 
On Monday XXXX, AXOS Bank sent me back the check in the amount of {$88.00}, and a letter telling me the check was negotiated and I will receive the funds in my account in a couple of days. Then I receive a message in my account telling me to mail the check back to AXOS Bank again so they can make the deposit. This is unacceptable. I am out of work and I need this money ASAP. This is poor money management from a bank and poor customer service. I called the company that sent me this check, to reissue it to me again. I am finding a better bank. I also have a dispute for a charge that I never got the service for. 
Axos Bank sent me an email on XX/XX/2024 stating that if I do not bring my account to positive standing, they will be closing my account and will report this to the credit bureau. This is not right. This is Axos Bank responsibility to deposit the customers check into their account. They are playing games with my money. 
I demanded numerous times to speak to a manager or CEO. Every time I called, I was told nobody is available. Unacceptable!! This bank needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter reporting inaccurate things on my credit report. I understand that due to the corona virus, the consumer reporting agencies have 60 days to respond to my letters. It has been over 60 days and they have not responded back. Section 611 ( a ) states that failure to investigate these disputes properly within the 60 day time frame should result in the deletion of these inaccurate items. These items should be deleted as soon as possible. If they are not, I will pursue legal action as my rights as a consumer are being violated. My information was also impacted by the Equifax Data Breach. It is possible that my information has been accessed my someone else.
Product: Debt collection

There are more than XXXX medical bill that I have submitted an individual dispute on just certain credit bureaus, that have been taken off of my credit because they did n't respond within 30 days like they are suppose to. So I want to dispute everything on my credit report.
Product: Credit reporting or other personal consumer reports

I am very upset with this process. On XX/XX/XXXX XX/XX/XXXX I filed a complaint with CFPB. I've done everything that was asked of me and still I have a problem with it. This information is not my information. It is fraudulent information I sent you all the information you needed and still you haven't taken care of it I don't know what the problem is you said that I didn't send in the right information I sent in the FTC report as well as my verified ID in my utility bill and my Social Security card. I called to verify that everything had been received and that you guys were going to remove the information because it was fraudulent and I gave all the information but yet and still you did not remove it. 

I had to call several times talked to several people wait online while they transferred me to different departments I just. Need you to remove this information the law says you have four days to remove it. You did not remove the information that is a violation. 15 us Code 1681c -2 fraud remove in 4 days 15 us Code 1681e - reporting inaccuracy All I want is for this to be fixed. Please remove these items immediately. They are not mine and they are not accurate. You did not explain how the information was verified but given the fact that you're being paid by these companies, I'm sure that you're taking their side without verifying any information.

The information I need to verify is whether or not this is my account or was it fraudulently opened you're not doing that you are not doing what you're supposed to do by the law. Remove these items immediately it's affecting my ability to get Credit to help me with the things I need, including getting a job and you are not following the law. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Mortgage

I want to express that this has been a very distressing situation for me. 
The attachments provide an example of the treatment I received from my Loan Advisor at Cross Country over the past two-three months.

I expressed to my Realtor via text over a month ago that I did not feel I was being listened to/fairly represented by my Loan Advisor, possibly due to being XXXX following conversations I had with her. 

It got to the point where I would reach out to others on her team rather than my assigned Advisor because of the discomfort I felt when having to speak with her. Additionally, due to the aggression and misinformation provided that was recognized when I spoke to her on the phone, I ultimately had no choice but to advise my Loan Advisor that I would prefer to touch base on via email or by text moving forward. 


She was often extremely condescending when I asked her question. She made many targeted, coercing & discriminatory remarks ( e.g., risk of homelessness, being denied by another lender, being denied of a grant, moving into low income areas, etc. ) on the phone. 

At times, she would provide me with inaccurate or misinformationif I pointed it out, she would respond with the same tone/passive aggressiveness as exhibited in the provided appalling email from XX/XX/24. It was incredibly upsetting and intimidating during the home buying process. 

I attempted to reach out to a Supervisor at Cross Country on XX/XX/24 to change Advisors and left a message with a representative that I spoke to directly with on the phone. I explained my reason for calling and asked if a manager could follow up concerning the issues I was having with my Loan Advisor. 
Additionally, I made attempts to reach out to the XXXX and took an online survey sharing my experience with, y advisor, and have not received a response from management. 


As a XXXX woman, I truly feel I was targeted, treated unfairly by my loan advisor and the organization Cross Country Mortgage due to my background, and status.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX  XXXX XX/XX/2024 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

Zelle never had a disclaimer that said once the transaction was submitted that was final and money was technically lost is space if any info was incorrect