23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In XXXX I found out that I had a property lien which I wasn't aware of. The attorney handling the closing could only tell me the it was for XXXX Bank. To which I responded, we have a payment agreement so I didn't understand why they would have a property lien. Midland Credit is the collection agency that purchased that debt so I called their " legal '' department. During this conversation, I asked about the property lien, why there was one since I had a payment arrangement and had been making my payments faithfully. They led me to believe that they had in place the property lien and need to cancel my payment plan. I protested the canceling of the payment plan, but they said it was necessary in order to resolve the property lien ( paraphasing ). My response was what if it doesn't go through I needed to go back on my payment plan. I spoke with a manager regarding this. Well it wasn't true at all. They were very deceptive. They did not and does not have a property lien. It was a different entity. I feel very lied to and manipulated with the goal of getting my payment plan canceled by any means necessary. I've placed XXXX phone calls today, the first as I was about the explain what had happened she cut me off asking me if I were XXXX XXXX in a very curt manner. I asked for a manager at that point. Told no manager was in the office. Made to other attempts to discuss what happened and to reinstate my payment plan which the woman manager I spoke with said wouldn't be an issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft so I reached out to the 3 main credit bureaus Equifax, XXXX, and XXXX to have them to delete the fraudulent accounts and they have refused to due so. I have even provided them with a identity theft report in support. The account is listed below : XXXX XXXX XXXX in the amount of {$5800.00} on the date of XX/XX/2018 it was opened. 

I ask that you remove this account from my credit report. Thank you!
Product: Mortgage

Days prior to closing I received an email from broker stating " prior deals fell thru '' and my application " looked shaky '' and then a prompt request for me to " lend the agent {$3500.00} ''. I now have financial losses due to an apparent shakedown and other bad advice thru the process. Also, the worksheet was estimated at about XXXX and GFE days prior to settlement was {$36000.00}.
Product: Credit reporting or other personal consumer reports

My account has been closed since XX/XX/XXXX. The last payment made was XX/XX/XXXX. The company has reported recent missed payments for the month of XXXX and XXXX of this year ( XXXX ). After months of disputing and sending fax and mail and all the requested documents, the problem is still there. Ive spoken to over XXXX different supervisors and not XXXX of them are able to help me. They keep saying that the " back office '' is who handles credit reporting and the only way to contact them is through fax. Every month since XX/XX/XXXX, the " back office '' or XXXX XXXX correspondence team has promised that id have to wait until the XXXX for this account to be removed from my credit profile.They are aware that there is no way that there can be no recent activity on an account that has been closed for XXXX. Its been 5 months that I've been waiting for the XXXX, and every time the XXXX passes I call and the supervisors have no idea what I'm talking about. They then proceed to " escalate '' the matter to the back office to which then they respond by saying I have to wait until the XXXX once again. The latest update has my credit report reflecting XXXX missed payments for XXXX and XX/XX/XXXX. So instead of erasing this account for inaccurate and incorrect reporting, they have made the late payments as recent as possible, causing my credit score to drop over XXXX points through no fault of my own. I am seeing XXXX XXXX and I need them to delete this account because what they are doing is ILLEGAL.
Product: Credit reporting or other personal consumer reports

I don't know where this incorrect information gets on my business report I tired to dispute with XX/XX/XXXXbut I didn't get any answers
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Balance Owed : {$3700.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern : My XXXX, Middle and Last Name is and ONLY is : XXXX XXXX XXXX My Address Street Number , Street Name, City State and Zip Code is and ONLY is : XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX My Date of Birth is and ONLY is : XXXX The Last XXXX of MY Legally Acquired Social Security Number Is : XXXX *** Above listed is my Factually True, Verifiably and Correct Current requisite reporting PERSONAL IDENTIFIERS. 
I demand you REMOVE ANY AND ALL OTHER PERSONAL IDENTIFIERS as they do not belong to me. This INCLUDES ANY AND ALL NAMES, ADDRESSES, SOCIAL SECURITY NUMBERS, DATES OF BIRTH AND TELEPHONE NUMBERS you may be reporting.

If you fail to remove any other identifiers from my consumer credit report you may be liable under the Fair Credit Reporting Act for statutory damages. 
Any information not pertaining to me should be removed immediately so that there is no confusing on whose consumer report this is. Please provide me with proof of updating my consumer report to reflect the changes by mailing me an updated copy. 

This document was sent certified through XXXX mail with tracking number : Specifically, I have identified inaccuracies in the reporting of my personal information. 
I refer to the FCRA, specifically Section 1681i ( a ), which outlines the responsibilities of consumer reporting agencies to conduct reasonable investigations of disputed information and correct inaccuracies. 

Please be aware that this will be my last amicable attempt to dispute these inaccuracies. I will file litigation in this matter if these changes are not reflected on my consumer credit report within XXXX  days which is the allowed time under the FCRA for reinvestigation. 

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

I just check my credit and I notice that there are some accounts on my credit that I did not authorize bringing me to file this report because I'm a victim of identity theft these accounts should not be on my credit report cause potential harm to my credit score or jeopardizing future financial obligations I wish to seek for myself in the near future.
Product: Checking or savings account

We were a customer of peoples bank with an account ending in XXXX established in the year 2000. 

Recently M & T bank took over. We have a checking account that monthly receives XXXX rent payments from tenants. In XXXX and XXXX M & T started rejecting our tenants rent payments but did not make us aware of the rejections. The tenants then had to notify me that their XXXX payments were being rejected. These are the exact same XXXX payments that come in with regularity each and every month from these tenants. 

I called M & T and inquired about this issue and they found no issues or fraud warnings assigned to our account that would cause this and subsequently lifted the block on our account so that the tenants could pay their rents. 

Then in XXXX XXXX M & T XXXX XXXX complete access to their online banking. No one could tell me why. I spoke with Customer service, the fraud department and they made me speak to the local Branch ( Branch inside XXXX XXXX XXXX in XXXX CT ) where I originally opened the bank account in 2000. The bank kept passing me around with out any resolutions. In total approx XXXX hours was spent on the phone with the bank including having to wait in the long queue for this fraud department. 

No one was able to help me but the local bank also has no active XXXX on site. A young woman did try and help me but stated the only way I could have access to my online banking was to come into a branch and physically hand my identification to a bank employee. They are fully aware of our residence because our mailing address on our account and which I confirmed with them is a South Carolina address 23 years we have had this bank account and have had XXXX incidents. We recently moved to SC from CT and I am not able to physically go XXXX of their bank Branches. I offered to answer any questions they might have as well as to provide a copy of my ID or do a phone/video call. None of this was acceptable and they refuse to allow access to my online banking. I have since closed my account but now have no access to any of the historical data and statements and will not have them available for tax season.
Product: Credit reporting or other personal consumer reports

I have provided all documentation that show I am a victim of identity theft. the items listed on the FTC report are not my accounts
Product: Student loan

I have made payments from XX/XX/XXXX to XX/XX/XXXX under the Public Loan Forgiveness Program and my employment certification was accepted by XXXX from XX/XX/XXXX to XX/XX/XXXX. The qualifying payments should reflect 34, instead i was given credit for Qualifying payments of 13. When I requested for these payments to be reviewed in XX/XX/XXXX with XXXX 's PLSF team, i was told it will take 60-120 days to receive a result. However till today ( XX/XX/XXXX ) I have not received any resolution. I filed a complaint with Student Aid and they just forwarded the request to XXXX who are still giving me no relevant information. I have requested a letter that itemizes all the payments that were considered qualifying towards the PLSF program and the ones that were not categorized as satisfactory and why. In addition, i requested information as to what I can do to dispute these unsatisfactory payments as i was never informed that i was paying " ahead of schedule '' by having it debited from my checking account which was set up by XXXX itself. I was told that i can only file a complaint and because the payments are under review ( since XX/XX/XXXX ), there us not much they can do as XXXX PLSF team is backlogged. 

The Qualifying payments thus far from XX/XX/XXXX to XX/XX/XXXX has been for 13 payments only. The following monthly payments are under review and I would like help in getting the following months to be considered eligible/qualifying payments towards the 120 payments required to complete the PLSF program. 

Payments i would like resolution on were made on the following dates : payments made to XXXX XXXX and XXXX  XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Product: Mortgage

My Bank used a loan servicer ( XXXX ) to do their work of loan servicing. I paid my XX/XX/2016 payment of {$1000.00}, and the money was debited from my account, yet never showed up as payed to my mortgage, nor was it relayed or forwarded to my new loan servicer ( XXXX ). So my current principle is too high, my interest deduction XXXX form is incorrect, and to date Ive spent about 30 hours on the phone and researching what happened. 

What do I need to do to have an investigation of where my money went, and who is responsible for finding it and applying it to my loan and issuing corrected XXXX for taxes which are due in one week? 
Additionally, I 've attached the closing documents, which indicate the amount financed is {$190000.00}, which does n't make sense, because the loan that was transferred to the XXXX servicer, is shown at {$190000.00} which is greater than the total amount financed in the closing documents. How is that possible???? 


Please Help! 

Best regards, XXXX
Product: Debt collection

This is not my debt, I did not sign or co-sign for anyone to use my information. My identity was stolen in 2020 in which I was aware until it hit my credit and I had to prove who I was and where I lived during that period of that account was obtained. I asked company to sent me a fraud packet to fill out and never received it. I do no have an account number to reference this debt. 

I have enclosed the cover page of an identity theft affidavit that was sent from an energy company where my information was falsely used.
Product: Money transfer, virtual currency, or money service

The XXXX tax refund check {$4000.00} from IRS I never received. 
I found someone cashed that check. IRS asked me claim against bank That accepts the check. 
I have contacted CHASE bank since XX/XX/XXXX, Bank have different person Handled my case, After 6 weeks on XX/XX/XXXX Someone from CHASE told me That my case has closed, He gave me the other department number.when I call that department today XX/XX/XXXX, The answer is CHASE response if money From my CHASE account only, I need go back to IRS. 
I felt very helpless and powerless, I do really need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried contacting XXXX, Equfax, and XXXX about a closed account that was settled by me and the creditor. I paid it in full and it is still showing up on my credit report and is negatively impacting my credit score. The account in question is with XXXX XXXX XXXX XXXX. It was a secured card that had a balance of {$29.00} and was paid in full on XX/XX/23. Being that I have paid this account in full and have settled it I am asking that it be removed from my report because it is adversely effecting my credit report.
Product: Debt collection

I noticed this on my credit report from XX/XX/year>. I have never heard of this company or established any business with them. I don't know if this is a loan or credit card because it doesn't belong to me.
Product: Credit reporting or other personal consumer reports

The fraudulent entries on my consumer report remain unresolved despite my documented identity theft claims. Your continued reporting of these unauthorized items violates the Fair Credit Reporting Act and identity theft protection laws. 

I demand immediate deletion and blocking of these fraudulent entries within XXXX business days.
Product: Debt collection

I have repeatedly contacted collections agency Portfolio Recovery to make them aware that i do not know of any accounts, nor do I own any collections account in the amount of {$5300.00}. I have sent letters and I have also disputed this account with XXXX, XXXX and XXXX. 
Currently on my credit report for all three bureaus it states Dispute resolvedcustomer agreed. I have NEVER agreed that that account belongs to me. This account was removed from all credit bureaus almost two years ago and now its back again. I requesting your help with the removal of this negative impact on my credit report.
Product: Credit reporting or other personal consumer reports

Recent reports from the Consumer Financial Protection Bureau ( CFPB ) indicate that Equifax has failed to properly investigate consumer disputes. A lawsuit has even been filed against Equifax for violating consumer protection laws by not complying with the Fair Credit Reporting Act ( FCRA ).

Under federal law ( 15 U.S.C. 1681i ), Equifax is required to thoroughly reinvestigate disputed items within 30 days and remove any information that is inaccurate, incomplete, or unverifiable. Ignoring this obligation is a direct violation of my rights.

I am disputing the following negative items, which I strongly believe may be linked to a data breach : XXXX XXXX XXXX  L - XX/XX/year> I have already provided supporting documentation multiple times, yet these errors persist. The lack of corrective action has caused me financial harm and unnecessary distress. 

I have a legal right to an accurate credit report, and I expect these items to be properly investigated and removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My leased XXXX XXXX XXXX was totaled on XX/XX/XXXX. XXXX was notified and paid in full on XX/XX/XXXX. XXXX applied the lease payoff in XX/XX/XXXX ( they took a month to record the payoff ). XXXX kept reporting the loan was not paid through XX/XX/XXXX showing arrears. I called XXXX twice in 2 months to correct it. Finally they corrected it with XXXX, but XXXX still proceeded to drop my excellent credit from approximately XXXX to XXXX. THEY NEVER CORRECTED MY CREDIT SCORE. Now the other XXXX agencies are following suit ( Experian and XXXX ). I have worked HARD for my score to be in the XXXX. THIS HAS TO BE CORRECTED.
Product: Credit reporting or other personal consumer reports

I filled out a report with XXXX XXXX  for some fraudulent activities, mailed the report off and still havent heard a status or deletion from this CRA! This was mailed off to the CRA on XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not XXXX percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all. 
Are you familiar with something called XXXX XXXX. Sec. XXXX ( a )? I heard that if you cant provide proof, these accounts must be deleted. Well I want these accounts deleted if they are not XXXX percent right and correct. So, could you please check on these and get back with me? I saw on a XXXX XXXX and XXXX where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a member of Credit Centrals office in South Carolina that once I paid the account in full this account would be DELETED from my credit report. I have paid this in full and have disputed this item several times with this company but yet they continue to report this account. This is fraudulent and the company blatantly lied to me about payment. Now that I have followed through and paid everything owed they have not removed this account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When making the purchase XX/XX/17 XXXX the dealer was suppose to fix the a/c. I went XXXX to have the a/c fixed. Stayed at the facility XXXX plus hours and they didn't have the part to fix nor was the part ever ordered because they claimed they couldn't find the part. This was a part of the deal. Weeks went by and still no call to bring my truck in for service. Although I made several calls to arrange for the a/c to be fixed. The dealer didn't hold up their end of the bargain was not held. They have now placed this on my credit report.
Product: Debt collection

This company collects on XXXX XXXX loans such as Auto and Credit cards and XXXX XXXX mortgage loans mainly. The Collectors use abusive language to collect from there customers. The collectors and company do not follow the FDCPA guidelines on there calls and letter campaigns. They do not have proper training and rules. 

They have a lot of quality and compliance issues and keep those employees that are known violators employed and unpunished. They need to get it together.
Product: Credit card

On XX/XX/year> I visited XXXX to have blood drawn. The tests were covered under my health insurance. The woman at the front desk told me that she would need to take a credit card for anything that the insurance did not cover. ( The insurance covers it all ) She then accidentally charged my card XXXX rather than keeping it for their records. She then told me that she was refunding my card. I noticed this charge had not been refunded as stated on XXXX. I contacted XXXX who wanted my credit card statements. I told them I was uncomfortable with that. I instead contacted Barclays who holds the Jet Blue card improperly charged. There was a communication barrier but I explained that the charge was in error, and that my insurance had paid... I even uploaded them the insurance companies statment. Now i find out with nobody contacting me or anything that they closed my dispute. This should be a simple issue. I did not authorize a charge, and the woman at XXXX did not properly refund the card. Instead, I am many hours into this now awaiting a callback from a manager at Barclays that could come sometime in the next days
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block , Inc ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cashapp 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 Requirement E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, who is submitting this CFPB complaint. Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022, but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These account must be investigated/updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible XXXX XXXX XXXX XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$550.00} XXXX XXXX Balance : {$170000.00} XXXX XXXX XXXX Balance : {$24000.00} XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX Balance : {$34000.00} XXXX XXXX XXXX Balance : {$0.00}.