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

I do not owe any debt to XXXX XXXX XXXX I dont know this company and have never did any business with this company they have not provided any original contract documentation showing i had any agreement with them, I'm requesting payment history documentation as well from XXXX XXXX XXXX XXXX If I ever pay them as well, which I have never did any business with this company or accumulated any debt with this company no payment documentation dont exist showing the business I have paid XXXX XXXX XXXX. Which XXXX XXXX XXXX is surpass the 30 Day expiration to provide this documentation. Which they have insisted to tell the credit bureaus this is accuracy, but how this so? when no original contract agreement hasnt been provided showing If I even had an agreement with XXXX XXXX XXXX so how is XXXX or Equifax insuring this investigation is accurate. Which XXXX has neglected accuracy in the pass such as in cases # XXXX XXXX XXXX XXXX, XXXX which resort them to be sued by not verifying account correctly and insuring the information is XXXX percent accurate, which in my cases XXXX XXXX XXXX has not provide anything but stating its mine. So how is this accurate? This is a violation and XXXX & equifax hasnt provide me with any accurate information showing me its a XXXX percent accurate that I have a contract or any type of agreement with this company XXXX XXXX XXXX ( this is a fraudulent account ) and Im requesting XXXX XXXX XXXX to provide original contract agreement documentation to the credit bureaus with my written signature showing I owe XXXX XXXX XXXX. Which they havent provide this documentation still!! if this original contract agreement cant be provide with my written signature on the documentation showing I owe XXXX funding a debt or showing I made any payments to XXXX funding by showing payment history documentation to XXXX and Equifax I demand for this account to be removed from my credit report. Immediately!!! 

XXXX XXXX Equifax has clearly allowed several violation permitted by XXXX XXXX XXXX This account his been reported several times as a fraudulent account and his been request immediately to be remove from my public records under 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy, remove immediately from my pubic record XXXX is in violation of 15 U.S.C. 1681c-2 ( not later than 4 business days of this notice ) to block those un identified account XXXX XXXX XXXX is in violation of 15 U.S.C. 1692 c section ( b ) Valid police report has been provided on the account. No metro 2 compliance data is no report with this account, which I have documentation and valid proof that this account has no metro 2 compliance report data associated me with them
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I am a short sale negotiator for this loan, which is in bankruptcy and they are required to only have that department speak with me. And so the problem is that vendor is not answering their phones or calling to give updates on the file. An appraisal was completed over 3 weeks ago and there has still has not been a response. I have also requested in writing for the name of the investor and they have not responded or provided me with that information as well. There could be foreclosure sale and we would have no idea.
Product: Mortgage

I have called about getting several tax bills. They should be in my monthly payment. There was a mix up with the parcel number and I have called several times about getting it resolved. Now I am delinquent on the back taxes that should have been paid already. 
I have recently tried to apply for a loan and I got denied due to the fact that my taxes have not been takin care of. 
I was told that it has been under investigation. But it had been over a year of investigating. 
I need this resolved immediately please and I would like a call about this being resolved. 
Thank you XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to you in regards to fraudulent accounts that have been unlawfully reported on my consumer credit report, which have arisen from identity theft. It has come to my attention that these accounts were reported without proper verification, as required by law. Under the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, I demand immediate action to rectify this situation and ensure the accuracy of my credit report. 

I hereby request the deletion of all personally identifiable information from my consumer credit report, with the exception of the following : Full Legal Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, Indiana XXXX I request the removal of all other addresses as I neither receive mail nor have access to any of them. Please update my address to the one provided above for all future correspondence. 

Furthermore, I request the deletion of any phone numbers associated with my credit report, except for ( XXXX ) XXXX, which is my sole contact number. 

For privacy reasons, I demand the removal of my Social Security number and date of birth from being displayed on my credit file. 

Additionally, I request the deletion of all information in the employer section. 

As a federally protected consumer, I am entitled to privacy under the Fair Credit Reporting Act 15 USC 1681 and its subsections. Failure to grant me my rights constitutes a direct violation of this law. 

Please acknowledge receipt of this request promptly and provide confirmation once the requested actions have been taken. I expect a timely resolution to this matter within [ insert time frame according to relevant laws or regulations ]. 

Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, i am a first hand witness to this transaction. this communication is in regard to an account that is currently in dispute. A letter was sent out to the creditors and i made it clear that this account is in dispute and verification has been requested pursuant to 15 usc 1692g ( b ). this letter was mailed on XX/XX/2022 and verification has not been received. this complaint is being made to XXXX so there is a proper investigation made regarding this account. in the meantime, this account must be removed from my consumer report due to not receiving the proper disclosures to opt out of having my personal and private information shared with any nonaffiliated third parties which includes XXXX XXXX or Equifax. 

I declare under the penalty of perjury under the laws of the United States of America that the foregoing is true and correct.
Product: Mortgage

the processor who screwed up my file, XXXX was fired two days after his mistake. 

The underwriter admitted they messed up as well as lender. 

Should of advised me Bc I reached out to to 2 other lenders who were able to access the file in less that 2 hours and notify me that the loan could not be done Bc of the foreclosure.

I had a 21 financial contingency and because of their gross negligence the day before closing I was notified that i was not going to be able to close the next day. I lost my $ XXXX in earnest money and could be sued for more Bc of the sellers time wasted with property off market.
Product: Debt collection

This account was paid in full after being placed in collections with no knowledge to me. I contacted XXXX and they told me that this was an account that belonged to an address that is not my address. As per the Fair Debt Collection Practices Act ( FDCPA ), under 15 U.S.C. 1692g, I have the right to request verification of debts and challenge any inaccurate information reported to your bureau. Additionally, under 15 U.S.C. 1692c, I am entitled to request that this debt collector cease reporting this inaccurate information if it does not comply with the standards set forth by the Act.
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 XXXX 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 corrected for erroneous reporting in my file and are listed on my credit report 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
Product: Debt collection

I am receiving between 5-10 calls a day at all times of day and night, during work hours, at night during dinner time, weekends, on XXXX during church service. When trying to communicate with callers, I am shamed or blamed for preexisting & new medical issues and confitions that prevent me from working and having a steady income.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies.

1. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

2. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine.

3. Identity Theft XXXX  Account Number : XXXX This is not mine.

4. Identity Theft XXXX/XXXX  Date of inquiry : XX/XX/XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.

6. Identity Theft XXXX XXXX/XXXX  Account Number : XXXX This is not mine.

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.
Product: Mortgage

company predatory lending complaint. Broker lied about pricing and presented false good faith estimates. Further the broker illegally added .53 points on the loan when drawing up final docs that were never presented at any other time, on multiple estimates. Docs were set to close on XX/XX/2020 but I found the extra fees and quickly complained and asked for an explanation. A valid explanation was never offered, and the pricing I was previously given and relied on was refused to be honored by XXXX XXXX which he has an obligation to do. 

I wanted the pricing I was given when rate was locked but since they are refusing - which i challenge their ability to legal do that- I want a refund of appraisal cost that was ordered under false pretenses. Additionally, the lender suggested refunding costs for his errors outside of escrow which seems unlawful as it would still inflate the borrowing costs and add amortization onto these costs that I am in essence being refunded. 

I want this firm investigating for fraudulent and predatory lending practices as I am now a victim of their lies.
Product: Credit reporting or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as it was opened without my knowledge, consent or authority. I contacted the company and they said to file the FTC affidavit from the site identitytheft.gov. Please dispute the accounts. It was opened without my knowledge, authority or consent. 
XXXX XXXX XXXXXXXX and XXXX XXXX  XXXX.
Product: Credit reporting

I recently sumbited an indirect-credit bureau dispute to XXXX XXXX XXXX ( AKA XXXX XXXX XXXX XXXX disputing the 30 day late payment history reported to XXXX Experian for XXXX 2015, XXXX 2015 and XXXX 2015. In discussion with XXXX XXXX, Loan Operations/ Risk Manager and XXXX XXXX XXXX Loan Operations Manager, I was advised that while I had executed on time payments for XXXX 2015, XXXX 2015 and XXXX 2015, XXXX had intended to report past due for XXXX 2015 and XXXX 2015. However per the credit reporting agency reports XXXX did not report XXXX 2015 or XXXX 2015 as past due, XXXX instead inaccurately reports XXXX 2015, XXXX 2015 and XXXX 2015 as past due. XXXX XXXX admitted that XXXX has a practice of reporting late payments when consumers pay on time. I have enclosed a letter from XXXX confirming their errors. In the enclosed letter, XXXX confirmed I had only XXXX 30 day late payments during the disputed time of 2015 as of XXXX/XXXX/2015 ; XXXX 2015 and XXXX 2015. Even though XXXX is regulated by FCRA and has been put on notice of the errors, XXXX XXXX refuses to correrct the inaccurate late payment hisotry. XXXX XXXX is aware that XXXX XXXX has a systemic problem of reporting late payments inaccurately and knowingly refuses to make corrections. XXXX XXXX even went as far as to threaten me if I filed a regulator complaint or an XXXX stating, she would go back and change the reporting for the months XXXX did not report as past due. Sadly my wife and I are far too educted in FCRA to take her threat seriously. We know that XXXX must not supply information to a CRA that it knows ( and should know ) is inaccurate. This includes reporting late payments when I have paid timely for the reported month. The willfulness of XXXX XXXX and XXXX XXXX to refuse to udpate inaccurate information when notified and aware of errors is not only harmful to the consumer but the industry as well. I expect the FTC, CFPB and FDIC to fully investigate this systemic control problem XXXX. Perhaps had XXXX had appropriate controls in place to ensure accuracy of reporting I would not be in a position to spend hours writing to their regulators. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX  still has not provided the items required and requested by myself and an attorney. Attached is a letter sent to them. They provided limited information. The information they did provide showed that there were no calls or activity on any phone line after XX/XX/2021. I have provided them and all three of my credit bureaus including the copb proof that I had all three phone numbers on another cell phone carrier. How can I have two cell phone carriers? That's impossible per the FTC. The collection company has failed to realize that XXXX continued to charge me for one of the phone numbers on the account for several months. This has been made very clear to the cfpb all three credit bureaus and this collection company in black and white with bills. They have failed to provide me all the information on the validation letter which I will also attach to this. The cfpb and the credit bureaus need to do their job and read the documentation that I have sent certified mail to everyone. The only amount owed is {$68.00} for a phone. That is it. There is also an issue with XXXX not even having the right information on the credit report. They were also sent letters that showed the item has to be very clear and listed in dispute on my credit report. They were all sent certified letters. XXXX for example doesn't even have an amount listed. I have provided information for that as well. The cfpb needs to read these complaints and documentation
Product: Credit reporting or other personal consumer reports

I submitted documentation of federal protections for severe human trafficking victims. I was told I needed more supporting documentation. As a US citizen, I am entitled to protections.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of Identity theft. I have fraudulent inquiries on my credit report : XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please see my identity theft report and documents in the attachments.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Checking or savings account

XX/XX/year> - I instigated a transfer of {$84000.00} from my XXXX account I had already linked to my new Barclay US 's high interest savings account and verified that I was the owner. 

XX/XX/year> - I receive a notification that my transfer was rejected for suspected fraud and my account was locked. I contacted Barclay 's and got my account unlocked. They had first said it would take up to 10 business days to unlock the account and I had to email documents to them. Instead, the representative called both of my other banks and validated I was the owner on the account. During this process, I looked at my XXXX account and saw that Barclay 's had taken the {$84000.00} out of my account, even though they rejected the transfer as suspected fraud. They did not say when I would be getting my money back. They will not give interest on the money, even though they took it. 

XX/XX/year> - I am filing a complaint with the CFPB about this action. It feels like theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and am being harassed by collection agencies constantly calling me. The following information is what i have found on my credit report that is not mine! 

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

Equifax was suppose to remove a address that I never reside at but its still showing on my credit report. I have never reside here and already disputed this address numerous times. How was the address verified? How can I be living in XXXX and XXXX XXXX at the same time?
Product: Credit card

I received a new credit card from Capital One ( a {$49.00} security deposit was made to obtain the card. ) My mother assisted me in applying for the card ( to establish a credit history ) as I am XXXX and I am unable to XXXX on certain banking information, my state ID and social security card. I used the card one time, and unfortunately, misplaced the card. I attempted to obtain a new card, but Capital One misspelled my email address and I could not access my account online nor could I receive any communication from Capital One. I attempted to remedy this and called several times and they refused to make the corrections. Meanwhile, I had a payment due on XX/XX/2017 ( I think as they would not tell me ), for the {$20.00} something charge on my account. On XX/XX/2017, I sent all of the identification information they now required ( for some reason. ) Also, on XX/XX/2017, I called Capital One and attempted to pay the balance on my account and they stated the balance was {$40.00} something dollars and refused to tell me what the additional charges were for. During the same call, after several frustrating minutes in which they refused to provide information regarding my account, my mother authorized payment in full using her checking account ( she provided the routing number and account number. ) Capital One refused to take the payment. I opened this account to establish a credit history and due to Capital One my credit will be ruined.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed with Transunion and they have refused to remove incorrect information from my credit report.
Product: Debt collection

XXXX XXXX established an account in my name without authorization and subsequently sent this account to collections. 

I did not agree to become indebted to XXXX XXXX. I did not authorize XXXX XXXX to create a debt in my name.
Product: Money transfer, virtual currency, or money service

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 a 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 for these violations