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

I have loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report. I have read enough to understand my rights. The Experian and XXXX Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

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

IN ACCORDANCE WITH THE FAIR REPORTING ACT XXXX ACCOUNT XXXX XXXXXXXX XXXX XXXX. 
15U.S.C. 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681SECTION 604 SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FIRNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Checking or savings account

XX/XX/year>. Reached out to Citibank, they said I needed to mail a form or go into a branch to get my money back. I can not go into a branch because its 6 hours away. 

XX/XX/year> reached out to Citibank, they said they sent the form to my address previously but can not resend even though it was sent to the wrong address. They said my account is inactive.
Product: Checking or savings account

I recently opened a new checking account ( XXXX ) because I was having issues with unauthorized transactions ( funds ) going from my citizens bank account to a company named XXXX XXXX. I filed a complaint concerning this matter cs # XXXX. 
The case was resolved and closed. Now I'm having the exact same issues with my newly opened account. Fund going to XXXX XXXX again. The amount of the transaction is {$150.00}. on XX/XX/2022 I didn't authorize this transaction and am concerned and curious as to how someone is getting the banking information from my new checking account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX called me regarding a debt that was not mine it was an identity theft. it was over XXXX years ago or more. they threatened to put a lien on my current cc. they called my XXXX mom, sister, work and harassing me none stop.. they are rude. they know my minor child name, school she attends.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached numerous times a copy of my utility bill with my disputes through CFPB and Equifax states that they have not received not one document that I have downloaded to prove that this address is not one of mine. Equifax removed information from my report and reinserted the erroneous information again although I sent in proof of my address. XXXX account is not my account I do not have a mortgage loan, I do not live at XXXX XXXX XXXX XXXX, XXXX ohio XXXX. I requested credit applications bearing my signature and XXXX failed to send my what I requested. I am tired of going back and forth this is RIDICULOUS! No one is doing there job! I don't understand why going through CFPB makes a difference because it does not! I have sent in documentation several times and still there is erroneous accounts on my credit report that is damaging! The CEO of Equifax is XXXX XXXX I wonder did he go through this process when there was a breach in Equifax! I have attached for the last time a copy of my utility bill. NEVADA IS MY HOME AND IT HAS BEEN FOR SOME YEARS! REMOVE XXXX, ANY AND ALL ACCOUNTS THAT IS LINKED TO XXXX XXXX XXXX XXXX, XXXX OHIO XXXX AND REMOVE XXXX XXXX XXXX, XXXX OHIO XXXX WHICH I HAVE NO CLUE WHO ADDRESS THAT IS! I WILL BE SEEKING LEGAL REPRESENTATION! DO NO SEND ME A EMAIL STATING THIS XXXX IS VERIFIED WITH NO DOCUMENTATION! DO NOT SEND ME A EMAIL STATING IT IS A DUPLICATE IT WAS NOT RESOLVED THE FIRST TIME!
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation: address not mine
XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX  
FCRA Violation: credit card never late
XXXX XXXX XXXX XXXX  
FCRA Violation: credit card not mine XXXX XXXX

FCRA Violation: student loans never late
XXXX XXXX

FCRA violation: collection not mine
Original creditor XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX came into agreement for good faith payment otherwise known as a pay for delection because of the age of the account they agree to it remove from my Equifax Credit report. Which has not been agree to it is scheduled to drop of XX/XX/year>, XXXX XXXX XXXX XXXX and I agree for pay for delection.
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 ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was under the Electronic Fund transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I saw the following on my XXXX XXXX account, however, I did not authorize any hard credit inquires for the following : XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX from Equifax XXXX, XXXX XXXX NH, XXXX, XXXX
Product: Mortgage

Hello, I was affected by Covid-19 and never missed a payments on my mortgage before Covid. I am currently running 2mths behind & applied for assistance with my mortgage company Caliber Home Loans. I request consideration under the Cares Act. I wanted the 2 missing payment be put at the end of my loan or extend my maturity by the 2 months. They approved a trial plan XX/XX/20 on my loan increasing my payment from $ XXXX w/interest rate 2.875 % to {$2000.00} & appx 3.25 % interest rate. A modification should be in the best interest of the borrower, lowering the payment to help during these uncertain times, not give a borrower unfavorable terms. I called Caliber and spoke with XXXX # XXXX to review this. She was unsure of why the increase as well. I asked to speak w/ a supervisor & they refused to take my call. XXXX relayed a message from the supervisor- My approval is based on the going interest rate. Well I keep up with the rate and the current rate at that time was below 2.98 % for conventional loan and today 's prime rate is 3.01 % ( ( VA rates are lower ) ). So this was a lie and they are giving out false information to borrowers just to get you off the phone. I let the agent know this info was incorrect. XXXX told me I can just reject it & pay then ( ( WOW ) ). I do reject the trial offer increasing my payment & interest rate! Caliber 's SPOC unit is unsatisfactory, especially during these horrible times.
Product: Debt collection

Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 

XXXX XXXX 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 copy of my Identity Theft Report and proof of my identity. 

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that information. I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I have been contacted by Midland Credit Management twice at my place of employment. I have had an active payment plan with auto-pay set up for some time. I had to get a new debit card and had not updated my account, so my XXXX payment declined. I didn't receive any notice via email, phone call to my personal number on file, or in a written letter mailed to me. I received a call to my place of business. At this time I was very sure I have never provided my contact information to them for my workplace so I refused to even confirm I was the person they were looking for. The man continued to ask me to verify my identify which I would not do and asked him to contact my personal number or send me something in the mail. He handed the phone to his supervisor, a woman, who escalated the conversation, insisting I give her my social security number which I refused. She said she would say it and I could verify it, to which I also declined stating again that she can not call me at this number because it is a work number and she ended up hanging up on me. I logged into my account immediately and realized I needed to update my card, which I did and my account has been current since. About two weeks later, on XX/XX/year> I received another call to my workplace regarding my account, which at this point was current. I again, refused to talk to them or give any information. The man on the phone was incredibly rude and insisted I go over a contract plan which he stated would take a few minutes. I told him multiple times I was at work holding up my work 's only phone line and was not going to spend that much time with him. He was attempting to offer me a new payment plan, however I repeatedly told him that I was not interested in doing that and did not want him calling me. I ended up hanging up. I called back after work and spoke to a supervisor who told me that it can " take time '' to have a number removed from their system and that it was possible I would continue to get calls until it was " processed through the system ''. I let him know that I researched the law and that it was illegal to continue to call a workplace after being told not to and it was only at that point that he said my work number was gone and I would not be contacted there again. I asked how they received my work number but he would not disclose that information.
Product: Credit reporting, credit repair services, 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 XXXX  Account # XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ). 

( XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ). 

( XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX ) ( XXXX XXXX  XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX ) ( XXXX XXXX XXXX XXXX XXXX Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX ( Original Creditor : ) XXXX ), has violated my rights 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 


Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent in a dispute to Navy Federal Credit Union and the 3 credit bureaus regarding a credit card that was opened in XXXX. I haven't received a response in the 30 day time frame from when the letter was delivered. My account has 8 inaccuracies. It is well over 94 days and the account still has 8 accuracies and nothing has been updated or removed.
Product: Mortgage

I have a XXXX mortgage on my home. In XX/XX/XXXX Specialized Loan Servicing ( SLS ) became responsible for my loan servicing. I have had numerous errors with Specialized Loan Servicing with regard to the ACCURACY of my payments, escrow, and tax forms. As of the date of this complaint ( XX/XX/XXXX ), SLS has still not provided me with an accurate IRS XXXX form, despite multiple calls and written requests. The intention of this complaint is to formally demand that Specialized Loan Servicing provide me with an accurate XXXX form as well as to provide a root cause as to why there were errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : * ALL Y FINANCIALS  -  XXXX  and  XXXX    XXXX   AUTO FINANCING *  XXXX   XXXX   XXXX   XXXX  and  XXXX    XXXX   AUTO FINANCING *   XXXX   XXXX     -  XXXX  and  XXXX    XXXX   AUTO FINANCIN G *    XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  and  XXXX    XXXX   AUTO FINANCING PAID-OFF/DUPLICATE COLLECTIONS - AGENCY  XXXX    XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    *   XXXX   XXXX   XXXX   XXXX   -   XXXX   XXXX
Product: Payday loan, title loan, or personal loan

I took out a loan with   XXXX   XXXX   XXXX   XXXX   Al my due date was Fri   XXXX   XXXX   I got a letter Saturday saying my lawn was bought by another place I have never been to. I have not heard anything from   XXXX   XXXX   I want to know why or how can someone buy my   XXXX   XXXX   and force me to do business somewhere else
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX , XXXX XXXX XXXX and XXXX  data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.
Product: Vehicle loan or lease

I believe Im getting overcharged unnecessary feed .
Regular Monthly Payment Amount XXXX  Other Additional Charges XXXX  Days Past Due XXXX days.
Product: Credit card

I have filed XXXX complaint with CFPB. The complaint # is XXXX. It is now going on 2 months since my application and XXXX weeks since I filed a complaint with CFPB. To this date the company haven't notified me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : 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: Checking or savings account

I noticed that there were erroneous service charges from the bank to my account as well as unusual interest payments. Along with this, the account balance wasn't calculating correctly to the charges/credits that were listed in online account ledger. For example there was a {$11.00} service fee but the account balance increased instead of decreasing, the interest payments weren't increasing or decreasing the account balance. I called the bank to find out what's going on and the customer service person acknowleged that they were aware of the issue and working on it but that i would not see additional line items in my account ledger fixing it, they were just going to correct the total balance in the back ground. I informed them that i was not ok with them not listing the corrections as line items so i could balance my account correctly. I asked for a formal complaint on this and they informed me that they would file the complaint. I recieve nothing inidcating that they acutally filed the complaint. A month later i saw the total balance correct, but no line items indicating what they did to fix it. I'm not ok with them taking money out or adding it back in to my account without listing the transactions so i can keep it balanced on my end and ensure they're not making further mistakes. Attached is a screenshot of the account ledger.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX  AND XXXX  HAVE ACCOUNTS ON MY CREDIT REPORT THAT ARE NOT MINE : ACCOUNTS : XXXX XXXX XXXX-NOT MINE PLEASE DELETE, XXXX XXXX  XXXX-NOT MINE PLEASE DELETE, XXXX  XXXX  XXXX-NOT MINE PLEASE DELETE,
Product: Debt collection

The credit control company contacted someone else giving them my personal information. Including social security number and that is unexceptionable. A coworker of mine contacted me and told me they did it to him and his girlfriend. They sent me screenshots of the msgs they were getting for me. No telling how many other people they sent my personal information to. 
I have already contacted XXXX numerous times telling them I sent in the equipment they wanted. I shouldnt be charged for it.
Product: Bank account or service

just got off the phone with a representative named, XXXX. I explained that I received a fee and that it was unfair that I got such fee having requested for overdraft protection and that since my account was new if she would be willing to check into it and possibly refund me over the phone without having inconvenience to go in the branch. I ca n't just take off from work when I please for personal business. Nonetheless, she said that she would try and link the account but, turns out she could not since the account was so new. This is really a shock to me and I do not have money to give away. The money was there and I do not have a debit card yet, as it was promised 3-5 business days. I have never experienced such poor customer service for a mistake that was clearly not mine. I am sure policy does not require such treatment be this was as well. EFT was only used because I did not have a temporary card of some sort to use to have come out right away. Lastly the check was written in hopes of overdraft taking affect and now they want to keep my money, where there was no intentional wrong doing on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

I appreciate your assistance in removing a portion of my credit file related to fraudulent activity. However, there are still items that require removal. Under FCRA Section 605, you are obligated to remove any inaccurate records. I have previously submitted this documentation and am resubmitting it for your reference. Please be advised that my attorney is aware of my intentions and is prepared to hold you accountable for any continued non-compliance. 
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 XXXX XXXX