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

I have been contacting Equifax, XXXX, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but Equifax in particular are not cooperating and is insisting that they have not received any of my complaints or documentation.

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 XXXX XXXX XXXX  and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 The collection accounts that are not accurate are 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXXXXXX : {$0.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$470.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXX XXXX Balance : {$47.00} ; XXXX XXXX XXXX XXXX Balance : {$300.00} ; XXXX XXXX XXXX XXXX : {$58.00} ; XXXX XXXX Balance : {$230.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  ( OriginalCreditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XX/XX/2022 ; XXXX ; XXXX XX/XX/2022.
Product: Checking or savings account

The below complaint was submitted to CFPB on XX/XX/XXXX, a reply was provided today on XX/XX/XXXX, unable to view the response from Wells Fargo as the file will not view or download on my end ... .The same issue occurred to a prior complaint, reply unable to view or download.. The complaint is regarding a fraud check cashed in my name, funds not received, the amount of which is {$5100.00}. An affidavit was sent in to fraud as well as copy of check, XXXX in fraud investigations reached out wanting to know details of check such as why it was issued and amount. I requested XXXX XXXX, rep I am working with in mediation, reach out to XXXX which he did and have not received any offer info to date.. XXXX 's last email reply stated investigation was sent back to fraud as of yesterday, XX/XX/XXXX, no other info. I do not know what is going on, however, I did not receive funds from check and needs to be reissued.
Product: Debt collection

XX/XX/XXXX correspondence sent requesting payment. XX/XX/XXXX requested settlement offer with XXXX XXXX XXXX representing LVNV LLC. XX/XX/XXXX offer provided in email to pay reduced amount to be paid by XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX confirmed address to mail payment options. No due dates provided for payment. XX/XX/XXXX received email stating no longer able to collect on account and advised to contact LVNV. Contacted who I thought was LVNV but turned out to be Resurgent and given a higher settlement amount to pay than what XXXX XXXX offered. After verifying info with XXXX XXXX my account was conveniently returned to LVNV same day. Per Resurgent account was returned XX/XX/XXXX. 
Only trying to pay what was agreed upon amount with XXXX XXXX which is {$500.00} less than amount offered by Resurgent. Offer of {$920.00} for pay to delete provided by XXXX XXXX XX/XX/XXXX from XXXX.
Product: Payday loan, title loan, or personal loan

I took applied for and was approved for a payday loan, however, I have had an extremely tough financial hardship and honestly couldn't even afford XXXX dollars monthly to pay off my debts. I don't know if I need to explain the whole story. Basically, I am just wanting it to be known that I am going to and in the process of trying to get the situation resolved. My parents have been harassed, however, and they keep attempting to take it out of my bank account without my approval. Please advise on what I can do to get this issue resolved, thank you!
Product: Credit reporting or other personal consumer reports

The accounts are not mine. I asked the creditors to provide any documents or agreements to which my signature was attached and a copy of my ID or Driver 's License. 
Accounts : XXXX XXXXXXXX XXXX  Account no. XXXX XXXX : {$3100.00} XXXX XXXX Account no. XXXX XXXX : {$0.00} XXXX Account no. XXXX XXXX : {$3100.00}
Product: Credit reporting or other personal consumer reports

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

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




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

After paying on my loans for 12 years, with a couple forbearances, I summited an Application for Public Service Loan Forgiveness. I was employed with the XXXX XXXX XXXX on XX/XX/XXXX. My loans were then transferred from XXXX XXXX to Fed Loan.

Apparently my employer put XXXX as my start date rather than XXXX and sent my signature page as a separate scan. Fed Loan then stated the form wasn't signed and the top was cut off when faxed. I had another form sent and faxed my copy as well.

Fed Loan then stated they wouldn't count most of my payments because of the date discrepancy. They wouldn't even count all payments since XXXX. This was soon corrected by having my employer send yet another form to Fed Loan.

Fed Loan then stated they couldn't count the payments since XXXX because there was a prior discrepancy two forms ago and they needed to speak with my employer. They stated a call was placed but the payroll office ( during COVID ) didn't answer.

After I checked my account I again contacted Fed Loan and they stated the employer needed to call with my account number. I asked if they could call because my employer may not wait on hold for my student loans. I was told a call could be placed some time in the next two weeks. I asked for a date/time so I could tell payroll when to expect a call and was then told my employer would need to call.

I called out the obvious. How would Fed Loan know it was my employer? Anyone could call and give my account number and state they are the payroll person who signed the form. I was then told it was

" an honor system ''. Of course, if it was an honor system ( which it shouldn't be ) they would accept the second or third CORRECTED forms. Anyone can make a clerical mistake. It seems with all these hours of communication and repeatedly asking of my employer ( a government entity ) to repeatedly try to help with my loan forgiveness, Fed Loan is trying hard to not approve my loan forgiveness. This process is ridiculous and I don't understand why Fed Loan can not communicate ALL needs in the beginning. If Fed Loan wasn't going to accept the first form and needed to receive verbal confirmation from my employer, why not state that 5 calls and 4 months ago? Now I continue to wait and hope my employer has enough time to wait on hold to call Fed Loan.
Product: Mortgage

I am having trouble trying to explain to the mortgage company that the real estate taxes are incorrect. The company is insisting that my mortgage payment should increase to cover my property taxes, but the property taxes they have are incorrect. The past three years the county has reduce the amount owed on my taxes. I have a XXXX XXXX a XXXX survivor. If theyre sending the incorrect amount XXXX XXXX XXXX refund the difference to them. Which is my understanding that they should refund it back to me I have not received a notice of my homeowners insurance increasing so I dont understand what is the need of increasing my mortgage payment as a sidenote, I am under new Rez, which is a a company of XXXX
Product: Mortgage

I am the Seller of a home in XXXX Florida that closed on XX/XX/XXXX. Per the terms of the contract I offered to provide the buyers with a new A/C system. The cost of the new A/C system was {$5500.00} of which {$540.00} was pre-paid. The Lender required an escrow hold-back of 150 % which equaled {$7500.00}. The A/C system was installed XX/XX/XXXX and a Escrow Release Agreement was signed XX/XX/XXXX. To date ( XX/XX/XXXX ) the A/C company has not been paid nor have I have received the {$2500.00} held back over the {$5000.00} remaining balance of the A/C system. Homebridge Wholesale refuses to address the title company 's multiple request for an explanation of when the escrow hold-back will be released nor do they respond to numerous phone calls from me.
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 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( 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 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres. for these violations.

I want the CFPB to publish this
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$280.00} XXXX XXXXXXXX Balance : {$20000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit card or prepaid card

On XX/XX/XXXX, I filed a dispute for an ATM Withdrawal where funds requested were not dispensed which occured on XX/XX/2018 for {$320.00}. After initially filing the dispute with NetSpend Customer Service, my prepaid card accounts held with NetSpend were closed on XX/XX/XXXX and I am not allowed to open anymore accounts with them, despite having been a customer in good standing for years and never having filed a dispute in the past. 

This decision was made immediately preceding the filing of my ATM Dispute. I feel that NetSpend has purposefully closed my accounts and want to ensure that my dispute is handled appropriately. I am asking this dispute to be further investigated to ensirr. Compliance with FCRA Regulations, including Regulation E for which I have also submitted then attached ATM Dispute Notification Form in Writing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX XXXX on or around XX/XX/2020, regarding a previous lease account that was showing as derogatory on all three ( 3 ) of my Credit Reports. The lease in question was returned XX/XX/2020, as having been satisfied and paid as agreed. However, my ( 3 ) three credit reports are now reflecting circumstances that are not accurate at all. The report reflects some of but not limited to the following, XXXX - ( XXXX off ), TransUnion- ( XXXX off as bad debt ) and XXXX - ( Account now redeemed/was a repossession ). 

The representative I spoke was unable to find the account ; would subsequently request a supervisor to facilitate the matter further. The supervisor concurred with everything that I stated, however said that XXXX XXXX could not facilitate any removal of items from my credit report, but a letter would be generated and mailed to me so that you may contact the credit reporting agencies myself. I have yet to receive said letter. 

XXXX. XXXX in case of disputed accuracy [ XXXX XXXX. XXXX ] ( a ) Reinvestigations of XXXX XXXX ( XXXX ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers 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. 

Please see the attached files where you will find all underlined or highlighted discrepancies.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB XX/XX/year> regarding a dispute I have with Transunion, Equifax and Experian regarding a item on my credit report from National Recovery. I have written them several times with no response. Now they have responded with, they have verified the debt, but how? I have asked for the names of the persons or person and address also I have asked them to produce a contract the original contract that I signed with XXXX XXXX in regards to this item and they seem to ignore my request. But they say they have verified. 

In accordance with the Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business address alone with the original contract that has my signature and XXXX XXXX letterhead . If not I ask that you delete this item off of my credit report.
Product: Checking or savings account

There were transactions that were disputed due to the merchant not issuing a refund and the bank will not issue the refund back to my debit card after they said that they would issue a credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I am being profiled and discriminated against by all three credit bureaus, namely XXXX, XXXX and Equifax. I already have two open complaints about XXXX and XXXX bad reporting and violations of the FCRA. 

I received an email on XX/XX/XXXX from Equifax stating here are your results from your XX/XX/XXXX dispute. Coincidently the documents that I submitted in my complaint to CFB does reference a copy of my Equifax XX/XX/XXXX credit report. I used my Equifax XX/XX/XXXX credit report to validate incorrect reporting on behalf of XXXX and XXXX. 

Equifax changed closed accounts to open accounts. One closed account that is now open is called XXXX XXXX XXXX, which has been closed since XX/XX/XXXX ( see attachment ). The other closed account which is now open is called XXXX XXXX ( see attachment ). Also please make note of the attachments showing no collections on my credit report sinceXX/XX/XXXX. I made a dispute on XX/XX/XXXX about one account, which was the only collection that appeared on my credit in XX/XX/XXXX. This collection was called XXXX XXXX XXXX, which was removed from my credit report ( please see attachment ). Also see attachments of all dispute request. 

Also this XXXX made an inquiry on my credit in XX/XX/XXXX ( please see attachment ) This profiling and discrimination is causing undo harm to me and my reputation. I am also going to purse legally for such discrimination and violations of the FCRA on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft and I provided everything the ask of more than once. The only thing they did was close the accounts that they still have opened. I have provided my statement, My police report, my report from the FTC and my Identity theft affidavit. I also submitted proof of my identity twice. I feel like im being victimize all over again this has been a nightmare for me. this started in XXXX  when someone use my bank information to purchase some phones in a store in Arizona while I was in XXXX and my debit card was still in my purse a week before my sons birthday. All I want is these fraudulent accounts and address off my credit report. I was turned down for jobs all kind of stuff because of this nightmare. Its not ok for them to treat people like this. I will attach the copies of the letters I sent to them along with all my reports and proof of Identity. 
also here are my tracking numbers from the letters I have sent XXXX : XXXX and XXXX transunion : XXXX and XXXX XXXX  : XXXX and XXXX Please help me get this resolved. this is ruining my life and I requested a fraud alert and freeze because of this and XXXX asked for my Identity information again after I already sent it twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 

XXXX  XXXX Bankruptcy XXXX XXXX  XXXX Bankruptcy 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  Bankruptcy XXXX
Product: Debt collection

I have told them about the excessive text messages multiple times a day and multiple days back to back. They finally said they would stop text communication and literally a day later I'm getting another text basically threatening if payment not paid will report late for XXXX it's not even 30 days late and yall shouldn't be texting me anymore. Its gotten to a point it feels like harassment and I expressed that to them.
Product: Credit reporting or other personal consumer reports

Old collectors on my credit report.

Old accounts have not been deleted or removed.

DATA BREACH! 
My data was breached so I need a whole new clean credit report under my name XXXX personal information, because this is stopping me from having a better future with my family because this also affects my whole family as well. 
I was told I would have 30 days to resolve theses issues on my credit XXXX on my personal information, and am holding the government to their word on this.
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. 

Account Name 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 has violated my rights. Or list of inquiries XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX regarding account number XXXX XXXX in the amount {$260.00}, 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 also states that a consumer reporting agency can not furnish an account without my written consent.
Product: Checking or savings account

I received checks with my name and ( former ) address on them from FNBO via Deluxe. I have never used this bank nor did I request any checks. I also received a letter from the bank stating that they placed my account on hold due to suspected fraud. I called and they said that an account was opened with my personal information on XX/XX/2023 but that since hearing from me they would be sure to close the account.