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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) [ CFPB Address or Online Submission Portal ] Subject : Second Complaint Regarding Inaccurate Reporting of Disputed Accounts Dear CFPB, This is my second formal complaint regarding the failure of Experian, XXXX, and XXXX to remove two disputed accounts from my credit reports. Despite four previous dispute letters and the submission of evidence, these inaccuracies remain unresolved. Both XXXX XXXX and XXXX XXXX continue to be reported inaccurately, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are the details of the disputed accounts : XXXX XXXX ( Account ending in XXXX ) : Issue : Reported balance of {$8500.00} from an account fraudulently opened in XXXX without my authorization.No signed application or supporting documentation has been provided to verify this account 's legitimacy. The absence of Form 1099-C further invalidates this account as charged-off. 
XXXX XXXX ( Account ending in XXXX ) : Issue : Reported as " charged-off '' following improper legal action initiated in an incorrect jurisdiction. XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ), and their settlement offers further confirm procedural mishandling. 
The absence of Form 1099-C also invalidates this account as charged-off. 
Recent findings by the CFPB highlight significant concerns regarding Experian and XXXX 's failure to conduct proper investigations. According to a CFPB lawsuit, these companies have engaged in sham investigations, violating consumer protection laws by failing to meet their obligations under the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. The continued presence of these disputed accounts on my credit reports constitutes a violation of these federal statutes. 

Requested Resolution : Investigate and hold Experian, XXXX, and XXXX accountable for failing to comply with FCRA requirements. Enforce the removal of the disputed XXXX XXXX and XXXX XXXX accounts from all three credit bureaus. 
Provide a formal response outlining the steps taken to address these violations. 
I am attaching the fourth dispute letter sent to the credit bureaus, which details my efforts to resolve these inaccuracies. I respectfully request your assistance in ensuring compliance with federal law and protecting my consumer rights. 

Thank you for your attention to this matter. Please contact me at XXXX or XXXX should you require further information or documentation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

debt collection company called XXXX XXXX XXXX has called my home many multiple calls since XX/XX/19 claiming some type of arrest warrant was issued at county clerk office in my county and i was to be arrested at my home or at work and to be sure i had a proper government id when they arrived if i don ; t pay them a debt that has been disputed for lots of years with no solution in site .they also called every one in my family multiple times discussing my debt and asking them would they pay up my debt collection also .they call a lot on fridays and say that by monday if i don't send a payment by prepaid debit card that everything will be sent to local county clerk office, but every one knows that no one ever come to my house .its just a scam that they do on people to scare them.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with XXXX, XXXX and Transunion and they are reporting on my report 3 times as if I owe on the same accounts. One account was closed and transferred to another student loan lender and one has a 1099C cancellation of debt filed on it. However the only thing the bureaus have done were update my account. Once again According to FERPA, 20 U.S. Code 1232g - Family educational and privacy rights a federal law, gives parents and eligible students ( 18+ ) control over their records. Common FERPA violations include sharing information without consent, not implementing proper security measures, and not informing parents of their FERPA rights. Penalties for FERPA violations include a ban from federal funding and cease and desist orders. From my understanding the schools will not provide transaction history or the amounts owed to 3rd parties, the law applies to all schools that receive funds under an applicable program of the U.S. department of Education. Therefore, the credit report agencies are in violation of illegally reporting transaction history. I have suffered emotional damage and humiliation I am demanding for each bureau to compensate me {$1000.00} each send to the address listed on file and remove the reporting from my credit report within 5 days from this complaint. If account isnt updates I will be filing a lawsuit against each credit bureau.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I initiated a transfer through Xoom, a XXXX company ; transaction # XXXX. The transfer was from my XXXX Checking Account ending in XXXX to a savings account ( USD ) I have in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for a total of {$570.00}. Per Xom 's email dates XX/XX/XXXX, the funds should be available on XX/XX/2021. Xoom 's fee for this service is {$9.00}. 
As of today, XX/XX/2021 I have not received the funds. After several communications with Zoom, on Friday XX/XX/XXXX I was told they continue to have a technical dificulty, they can not give me an estimated date this issue will be resolved, and I can not cancel my transaction. Note the funds are still in my XXXX account, they were never withdrawn ; however, if I can not cancel I am still under contract to provide the funds. 
I am looking for them to either finalize the transaction or cancel so I can look for another solution.
Product: Money transfer, virtual currency, or money service

Today XX/XX/year>, I was informed by Robinhood that my crypto account is no longer be supported to open new crypto positions or deposit crypto to my account. I can still be able to close and transfer out. However, I have tried to transfer out but it won't let me do, saying my balance is XXXX and there are some restriction placed on my account. There is no warning or head up regarding what operation I did triggered this and what I did is pretty normal, just deposit from bank and buy crypto. This sudden changes really caused a panic on me and Robinhood said it is a final decision, which really doesn't make sense to me, this is my personal belongings and I can not even transfer out?
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 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 I was there for couple months to understand what to do and was not able to make any payments from there due to internet and service problems. The payments were not going thru. I went there in XX/XX/2022 and came back to XXXX at the end of XXXX XXXX contacted XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  and explained my situation, but they were very rude and did not even want to listen what happened. This is discrimination against people who are in danger and war. It was not my fault that my payments did not posted from XXXX and they reported 30 days late remarks on my credit reports ruining my history and scores. 
In accordance with Fair Credit Reporting Act XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX  have violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Prepaid card

I was with cash app. I was using their card for my ssi payments as of XXXX of last year. Then in XXXXXXXX XXXX XXXX cash app sent XXXX XXXX email saying they terminated my account without any probable cause. Now I have tried to open a new cash app account and they denied me. They are not giving me any response or reasons of why or no documents of why they terminated my account. I had to switch to a different bank and had to switch my money to that bank also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX acct ending XXXX had requested to delete this trade line now its time to delete this trade line
Product: Debt collection

I have contacted the company and resolved the owed debt with promise that the item would be removed from my all XXXX credit reports and it is still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the phone all day with these crooked people from XXXX. I have been explaining to them that I have been affected by the data breaches and I need to have the information removed immediately. They tell me that all they can do is file a dispute, then tell me the account numbers are missing from my FTC report. There is no law stating that there has to be a account number on the FTC report. I request a supervisor and the representatives will hang up on me or hold the call and stop talking. I have had this experience with Employee XXXX and XXXX. It is sad that i have to request their employee number just to reference them after the call ends because they will not get a supervisor. I talked to zero supervisors today and I have been on at least 5 calls with XXXX. Previous complaint # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to properly investigate several accounts on my consumer report. They are willfully and carelessly furnishing inaccurate information which damages my credit reputation thereby stopping me from obtaining credit. I have sent in several correspondence directly to them via the USPS certified mail, all of which they have ignored. The document attached below is the most recent letter I sent them. All my previous letter before the one attached below were ignored in direct violation of the Fair Credit Reporting Act 15 USC 1681i. It has been over sixty-five days since they received those letters and took no action. Unless Equifax takes immediate action, I will be taking legal action against them with the help of my State Attorney General and the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have sent numerous letters and have not received any responses from the bureaus. Nothing. it has been XXXX months now and i still have nothing.
Product: Checking or savings account

Entered a XXXX sweepstakes and this scammer got me good took {$2600.00} from me now chime wont even respond to me!!! Every time I call they say for me to email this and email that nobody ever responses. My dispute was also denied!!!! Help me
Product: Credit reporting or other personal consumer reports

XXXX is reporting my account closed on XX/XX/XXXX, where as this account was to fall off the report this XXXX. 

I have another document showing the original close out date on XX/XX/XXXX XXXX did this as well on my accounts. 

Experian, to date is still keeping the original closure date of the account. 

This is complete FRAUD and a SCAM to me. These actions are directly hurting my ability to find a home to live and is constantly creating a breach of my peace. I have been dealing with this issue of False Reporting for years with XXXX Bank. 

I want these three accounts removed off the credit report. They are legally at the timeframe to fall off the report and changing the dates of original closure is against the federal law. 

These actions of removal need to happen immediately, or I will be forced to litigate against each company participating in the FRAUD related to the accounts in question.
Product: Debt collection

National recovery agency keeps sending me emails claiming I owe the XXXX XXXX XXXX XXXX XXXX  money when 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 This debt is false, is frivolous and if there was a debt it would've been resolved in court and it wasn't. It's because they are obstructing justice to get away with XXXX  and attacking me financially.
Product: Checking or savings account

On XX/XX/2022, I called Citizens Bank to ask them to close my account with a balance of {$8.00} and they said that they will proceed to mail me a check. I called again in XXXX to get an update but their customer service call center said their call volume was too high to accept calls. Today, XX/XX/2022, I found out that they were charging me {$5.00} per month and refused to close my account.
Product: Debt collection

I have an attorney and I'm filing for bankruptcy. They have known this for months now. But I have still received calls and letters. I am XXXX XXXX XXXX and I have problems with a family member causing me great stress I do not want this stress too. please help. 
Thank you. 

This is from XXXX debt but the collector is NOT XXXX. XXXX would NEVER act like this! thank you.
Product: Mortgage

I was denied a HAMP modification based on an income of {$2600.00}. I do not see where or how Shellpoint came up with this income when I provided Shellpoint the documentation reflecting my monthly income to be {$4800.00}. I receive {$1500.00} in XXXX for which I 've provided an award letter and a check stub from them. I also provided my pension award letter which I get as a monthly amount of {$1900.00}. My son is a contributor since my husband, his father passed, and he contributes {$1300.00} monthly to my household income. I have also provided Shellpoint his paystubs and contribution letter. Shellpoint has all the information necessary to reflect my income being {$4800.00} yet they came back with a much lower gross income. I can not afford to lose my home because of negligence. Please help me stay in my home. I have never ever been late on a payment up until now. I need my loan to be modified! I need Shellpoint to help me!!! I have every intention necessary to pay off my loan and pay it on time with a new principal and interest mortgage payment. I have the history to reflect that I have done so all these years so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I was notified that my info was breached in the XXXX XXXX XXXX and were eligible for 7 years of credit report and the erroneous and fradulant accounts would be investigated and to delete for they are not mine. As of today none of XXXX credit bureaus have complied and has been going on almost XXXX months without any help. 15 U.S.C 1681 and the FRCA act, everything must accurate and fair. The credit bureaus have violated my rights by still reporting these fraudulant accounts, even though I have sent FTC Identity Theft XXXX  and the XXXX XXXX XXXX forms for proof that it was reported and filed XXXX XXXX XXXX and sent out.. The XXXX bureaus continually still shows XXXX different address, names, dob and erroneous and fraudulant accounts on my report. This is a clear violation of my rights as a consumer and the bureaus have refused to delete these obvious inaccurate and blatant erroneous accounts. I will resort to making a thorough complaint also to the XXXX  if these accounts are not deleted. 
I have enclosed FTC XXXX  to request the erroneous errors be removed. 

XXXX XXXX XXXX XXXX XXXX {$3800.00} XXXX XXXX {$6200.00} XXXX XXXX {$2100.00} XXXX XXXX {$3100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate, driver 's license, and social security card were stolen on XX/XX/XXXX and today XX/XX/XXXX I went to XXXX XXXX to get a credit card, and I discovered that my personal information had been used by someone else. I never authorize anyone to use my name or personal information to obtain money, credit, loans, goods, or services as described in this report. I did not receive any money, goods, services, or another benefit as the result of the events described in this report. I filed a police report with XXXX XXXX Police and its ongoing investigation, no perpetrators have been found. Please delete the following accounts that are a result of identity theft. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX/XXXX XXXX
Product: Debt collection

Capital One mixed my files with another consumer not once but twice. Ive been disputing with the company since XX/XX/XXXX until now. The account they are saying belongs to me ends in XXXX. However the company sent me two letters with my Name & Address on it with another account ending in XXXX on XX/XX/XXXX and XX/XX/XXXX. I have no idea who this account belongs to nor do I want to know. Mistakes like this just should not happen. I have the original letters from Capital one with the account number ending in XXXX with my name on the.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a credit counseling class because I wan na better my future and what better way to start than with my credit. So after checking my credit report again I was shocked to see items that there are items on my credit report that are not mine on my credit report. I have reached out to the FTC and to my local police department, and I am doing this on my own behalf. Again these items listed are not mine and need to be removed from my credit report.XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX. XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My personal information has been compromised, and I am a victim of identity
Product: Mortgage

This man and his colleagues completely ruined my XXXX XXXX as a home owner. I worked six months of overtime after I was pre approved for a XXXX XXXXXXXX XXXX mortgage. This man delayed my closing 3 differnt times and made me resubmit my application 3 differnt times. By the fourth closing attempt with my professional realtor from XXXX Results XXXX Indiana, he completely denied my loan after making me pay for appraisal fees and inspection fees. My realtor tried to get him to reimburse atleast half of my money and they refused. My realtor said it was the worst-case she had ever dealt with in her entire 30 years of realistate experience. I had a conventional loan. After talking with a loan advisor from XXXX XXXX. They informed me that this man most likely gave me bad advise on purpose so he could resubmit my loan information for profit. He also told me that this happens all the time with bad reps as everytime they make you start over they get paid for it. I still have all the confusing emails and emotional outburst of the most humiliating, degrading home buying experience I've ever dealt with. 

This man and his colleagues ruined my new beginning. His manager did not help me or my realtor either, as we both tried to hunt them down after the first rep mysteriously quite in the middle of my loan process. We even had to stoop as low as calling his secretary for answers about my loan information. I deserve justice. I deserve to be in the home that he scammed me out of. The house that was later resold at a higher asking price after my inspectors did all the dirty work. Im giving you his information below. Please vindicate me and my son. We are currently renting an apartment because our new beginning was stolen from us. I was almost homeless because of these people. Please help me. His manager won't help and everything always ended in we are in a meeting and we will call you back. I lost well over XXXXXXXX XXXX and six months of my life with my Son trying to appease this monster. 

XXXX XXXX XXXX Mortgage Consultant XXXX XXXX XXXXXXXX Wells Fargo Home Mortgage | XXXX XXXX XXXX XXXX | XXXX, MN XXXX XXXX XXXX XXXX XXXX Ext. XXXX eFAX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going over my report I found some account and addresses on my file that do not belong to me. I am in the process of filing a police report. I have never lived in XXXX OHIO. The following addresses need to be removed from my credit report. Someone has been applying for account for credit/business in my name. 
My name is XXXX XXXX XXXX My current and only address is XXXX XXXX XXXX XXXX, OH XXXX My phone number is XXXX please DELETE/REMOVE the following addresses they are not mines : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX The inquires are not mines please delete/remove 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, credit repair services, or other personal consumer reports

In XXXX I changed the date of payment with their authorization and they reported I was late. 
In XXXX during the pandemic, they offered me the COVID Relief program and stated that I don't need to worry about payment during this period. They also stated, they will report to the Credit bureau during this time. After the period I made the payment and after a few months paid my loan was completed and paid in full. 
A few months after I paid my loan in full, they reported to the credit bureau that I was late during the pandemic. 
I tried multiples time to talk to them. Also, I disputed this issue with the credit bureaus several times, but still the same result. They still reporting I was late. 
Credit Acceptance - account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022, I no longer have any student loan accounts with XXXX XXXX. The balance should be reporting as XXXX on my credit report. Their information is as follows : XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX The total of all loans was {$140000.00} but should now be reporting -0-. They are reporting my loans incorrectly and this is hurting my credit score. Please investigate and remove from my credit report as soon as possible.