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

Hi there, I filed a dispute on Equifax due to missing and incorrect information. Equifax did not do its due diligence to follow up with issues I brought forth in a legal and complete manner. I was recently notified that CFPB has filed a lawsuit against Equifax for failing to conduct adequate investigations of disputed information in credit reports. This aligns completely with my current situation. Equifax has not made an attempts to remove, nor correct any information. I am now being hounded with daily calls by debt collectors. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting a new place to live as I am currently displaced due to the XXXX wildfire evacuations. Equifax violates my rights as a consumer, as well as federal laws.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I created a CashApp account to pay {$50.00} to a friend for a shirt I had purchased. - As this was my first time using CashApp ever, when sending the money, the funds were accidentally sent to the wrong recipient, and not my friend/intended recipient. - I immediately requested a refund, which was declined. I then contacted CashApp and they told me that there was nothing they could do to assist me and that I needed to be more careful next time.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am trying to request the removal of PRO COLLECT ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX  ) with the account number XXXX due to it's inaccuracy. This account is already paid and must be removed from my file. Also, the date or the year of the last activity does not match the payment history. Moreover, the payment history is incomplete and blank. This must be addressed ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, balance owed is inaccurate, term length is not accurate, closed date is inaccurate. This ground for removal they also violated my rights under 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account multiple times as it is a collection agency collecting on a debt and I do not owe the debt to them as there are no contracts or agreements stating such with me and the actual collection agency ; The debt was sold but I never agreed to such. Please remove from my credit file immediately as this is affecting my livelihood.
Product: Student loan

In XX/XX/XXXX I received a letter from XXXX XXXX indicating that my projected date for Public Service Loan Forgiveness ( PSLF ) would be XXXX of XXXX ( this document is attached below ). Within a few weeks, I called them regarding my recertification and they indicated to me a different date that was two months after the date on the document that they gave me. I told them that this was incorrect and that the date they gave me over the phone was in conflict with the letter I received. At that time they told me that there were 2-3 payments that needed to be reviewed to determine " officially '' what my date for PSLF would be. They stated this would take a couple of months. After two months, they said it would take four months, then six months, and so on and so forth. I called countless times to find out what the determination of the review was and it was not until XX/XX/XXXX ( a year and a half later ) that I received correspondence from them giving me what their new projected date for PSLF would be ( this document is also attached ). I told them that the new calculation was also inaccurate because it should be XXXX of XXXX, not XXXX of XXXX. At this time I spoke with a representative ( XX/XX/XXXX ) who told me that there was still a payment that was in dispute ( XXXX of XXXX ) because they said that the payment that I made was outside of my employment dates. This is false, they have all of my documentation which states my dates of employment and all of my payments have been directly taken from my account since the beginning of me repaying my loans. They told me that they would have to put this payment under " further '' review. This should have been calculated when they took a year and a half to do the first review! I called today ( XX/XX/XXXX ) and the representative told me that the payment in question ( XX/XX/XXXX ) has not even been put under review even after the lady told me it would be last month. Given the amount of time that it took them to review the first 2-3 payment discrepancy, I am not confident that they will figure this out prior to the end of my repayment process. The representative told me that if I overpay or end up paying too long because they haven't resolved the payment review, that they will give me my money back. This is laughable to me that they expect me to trust that they will return money to me when they can not even keep track of the payments that I have given them up to this point. I have been waiting far too long to have this issue resolved and every time I call their customer service, I am given an excuse as to how long the process will take or that the process has not even been initiated at this time. I truly hope to receive a swift resolution to this issue. Thank you!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 
XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 
PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. 
XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I sent a letter out to Transunion, XXXX and XXXX on XXXX XXXX However its been more than 30 days and they havent sent me the investgation According to the law 15 usc 1681 they should conduct a investgation to see if its accurate or inaccurate withun 30 days or the account should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accordance with the fair credit reporting everything has to be 100 % accurate on my credit report. 
The credit bureaus has stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is very inaccurate, also the date last reported is not accurate. This ground for removal they have also violated my rights under 15 U.S.C 1681 section 602 A : States I have the rights 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 Also the credit bureaus took more than 30 days to complete my investigation below I have attached my certified mail tracking numbers
Product: Debt collection

Some time ago I had gone to the hospital for emergency XXXX XXXX. I went to an in network ER and paid all out of pocket expenses that I my insurance did not cover, such as deductables and co-pays. I paid over {$8000.00} but after all was paid I received an alert on my credit report for a medical debt that I was NEVER BILLED FOR. It was in the amount o {$250.00} with a collection agency call AR XXXX XXXX. I contacted them and paid this in full as soon as I was made aware of the debt. This should not be on my credit report. How can I pay for something that I was never notified about?? I want XXXX and XXXX to delete this.
Product: Credit reporting or other personal consumer reports

They are allowing people to easily access my Equifax and Transunion credit reports. My credit reports and identity is cloned and its very weird how easily they're continuing to give away access to strangers and allow my information to be changed or deleted. Freeze ans fraud alerts removed without my consent by strangers. Phone number changed by someone who gained access ans purchased membership to my credit reports without my consent!
Product: Credit reporting, credit repair services, or other personal consumer reports

The company IC Systems at XXXX keeps reporting a debt that i am not aware of but have currently found it came from XXXX. I currently have a current account with XXXX in great standing. Not sure where this comes from.
Product: Checking or savings account

On the morning of XX/XX/XXXX I received an email from Wells Fargo stating that overdraft protection had been activated for my checking account. I logged into my Wells Fargo account to see why this was and discovered that 2 fraudulent payments had been made on my account. The first charge was posted on XXXX for {$2500.00} for XXXX XXXX to " XXXX XXXX XXXX XXXX'. The second charge was showing on the XXXX but according to the Wells Fargo website didn't actually post until XXXX for {$4500.00} for XXXX XXXX to " XXXX XXXX  XXXX ''. I do not have credit or debit accounts with either bank in the posted transactions. I do not share my online banking information with anyone and only ever log in from my personal computer or phone on private networks. After discovering these charges I changed my account password and then immediately called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX. When I was connected to a representative I informed them of the fraudulent charges. The representative attempted to cancel the charges but was unable to do so. For security reasons the representative put a temporary freeze on my online banking, changed my username, password, and account number, as well as started a fraud case for me. On XX/XX/XXXX Wells Fargo mailed an Online Fraud Affidavit for me to fill out and I received it on XX/XX/XXXX. I filled out the affidavit and returned it to a Wells Fargo in XXXX, North Carolina on XX/XX/XXXX where a banker was able to assist me finishing filling it out and faxed it in to Wells Fargo 's fraud department. On XX/XX/XXXX I received a letter from Wells Fargo saying that they had completed their investigation and denied my claim due to the fact that the transactions were requested during a secure online banking session using my username and password. I called Wells Fargo at the number XXXX at XXXX XXXX on XX/XX/XXXX after receiving the letter to find out why my claim had been denied. The representative on the phone was unable to give me specific details about why my claim was denied. She was able to put in a request for the documentation used in the investigation to be sent to me and let me know it may take up to 30 days to receive it. As of XX/XX/XXXX I have very little information about why my claim was denied and will continue to appeal it.
Product: Debt collection

This complaint is specifically regarding XXXX XXXX contacting me well after a cease and desist notice was received and signed for by their company which violated the request. I also never received any paperwork for XXXX or XXXX and they have never provided me with any document with my wet signature on any of it to prove the debts validity ( a side fact ). 

My complaint is that they violated a cease and desist order and I have the proof, I would love for them to speak on how they sent me a piece of mail 12 days after they received and signed for the letter and why the letter was dated for XX/XX/XXXX, a letter I already had in my possession?? Yet I received the letter in mid XX/XX/XXXX. I want only the violation of the cease and desist letter to be entertained in this complaint, no information or smoke screening with the accounts to gloss over and distract from what they blatantly did. 

My letter dated XX/XX/XXXX at XXXX Received by them and signed for XX/XX/XXXX To : Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX : CEASE & DESIST CONTACT After multiple attempts and requests to have this company eliminate debts which they have been told are not mine and are outside the statutory collection limits with no resolution, this is my official request in writing to have your company cease and desist all forms of contact with me to include by phone, email, in writing, by fax or any other form of communication from this moment going forward with no ending date and time up to the time of my being deceased. I have referenced the accounts below. 

XXXX XXXX XXXX LVNV Funding Capital XXXX XXXX LVNV Funding XXXX XXXX XXXX  Acct : Not given Ref : not given XXXX XXXX XXXX XXXX XXXX XXXX ( just found out about this on XX/XX/XXXX from the year XXXX ) This letter covers all debts you have. Consider this my official notice, if I continue to be contacted, I will take legal action for harassment!!! 


*** MAILED XXXX RETURN RECEIPT ON XX/XX/XXXX
Product: Prepaid card

I purchased 2 {$200.00} Mastercard gift cards from XXXX on XX/XX/2016. When I attempted to use the cards a few weeks later, I found one had {$45.00} left and the other {$35.00}. So on one card there is a fraudulent charge of {$150.00} and on the other, {$160.00}. 

I called US Bank 's fraud hotline in XX/XX/2016 and they sent me new cards with the current balances on it and told me I would get the fraudulent amount credited back with in 4 weeks. Since then, I still have not gotten the fraudulent amounts refunded back to me and US Bank refuses to help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX  XX/XX/2022
Product: Credit reporting or other personal consumer reports

According to a letter I received from the clerk of court, they do not report information to or remove information from credit bureaus. This contradicts the information currently listed on my report. 

Since the court does not verify or provide this data, I request that you investigate the source of this information and provide documentation verifying its accuracy. If you can not verify the bankruptcy with an original source, I ask that you promptly remove it from my credit file. 

I have attached a copy of the letter from the clerk of court for your review. Please update my records accordingly and provide written confirmation of your findings. 

Thank you for your prompt attention to this matter. I look forward to your response.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type - XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX Resident type XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Resident type XXXX XXXX ( XXXX XXXX XXXX Cellular ( XXXX ) XXXX Cellular ( XXXX ) XXXX Cellular Social security numbers XXXX
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. 


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 XXXX XXXX XXXX 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: Mortgage

I would like the following information to be provided by my loan servicer, which is Bank of America : A copy of my Notice of Right of Cancel A copy of my Truth in Lending documents A copy of my Note My investor 's information as well as my investor 's modification criteria ( for example, how many modifications does my investor allow for the life of the loan ) If any of these documents are unable to be obtained, I request a full rescission of the loan. 
I applied for modification assistance, and have gotten nothing but notices over the last few months saying that I am being reviewed and I will receive a response within one or two weeks, ( the last was XXXX/XXXX/16 and stated next response will by XXXX/XXXX/16 ), but that final decision is never received. 
I demand to have a Customer Relations Manager who is able to review my loan for all options and have a decision with 30 days, which is a guideline that I know the bank already has in place, but for whatever reason they have failed to abide by. 

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

I sent a letter on XX/XX/2022 to XXXX, XXXX, and transunion. 
However the credit bureaus said they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction. 
The term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 
How did they complete this investigation?
Product: Mortgage

Application was made on or before XXXX ( online through Quicken Loans aka Rocket Mortgage ) ( with disclosure about Child-Support income from my fianc ( XXXX XXXX ) Pre-Qualification was received on or before XX/XX/20 On or after XX/XX/20 Email was sent to XXXX XXXX ( MLO ) requesting clarification on the approved loan amount vs the max FHA allowable limit for XXXX XXXX , County. 
MLO ( XXXX XXXX ) responded stating that due to Debt-to-Income ratio we would not be approved for the higher loan amount. 
We submitted the following : 1. Original and current Court-Ordered Child Support reflecting a monthly award amount of $ XXXX/Mo. ( Only receives $ XXXX monthly ) 2. Bank Statements reflecting the consistent weekly deposit and proof of receipt for the last 3 years. 
3. Proof that the Child Support would continue for the next 3 years for the remaining children under 18 ( One child is XXXX and the other is XXXX ) 4. XXXX FHA Guidelines reflecting the allowable use of Child Support as a viable source of income as long as the above requirements were met. 
XXXX XXXX and processing staff communicated that the Child Support income was disallowable due to Quicken Loans/Rocket Mortgage Guidelines regardless of the fact that this is an FHA Insured loan. They stated that as the Lender they have the discretion to allow or disallow the use of an income source as per their internal policies and procedures. 
As a result of the disallowance of this income we had to purchase a home in a less desirable neighborhood and school district for XXXX XXXX children. 
As a result of the disallowance of this income we were told that the DTI ratio and credit score did not allow us to qualify for the lower par market rates. 
We incurred over $ XXXX in origination and discount points in order to close this transaction which represents over 4 % of the total loan amount. 
We believe that we were discriminated against due to this income type not being preferable to the Lender and also the fact that we are an interracial couple to boot. 
We have combined income of over $ XXXX and should have qualified for the higher loan amount thus allowing us to purchase our originally desired home in the better school zone district. 
We are alleging that Fair Lending Guidelines have been violated including overt discrimination and as a result disparaging impact. In addition, we intend to file a complaint with the OCC, FRB and the CFPB for UDAAP violations as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

It seems this account is from XXXX. I have never opened nor applied for anything thing with this company. I've tried to dispute with this company on several occasional letting them know I don't owe them for an account that don't belongs to me. I have even called this company several times but never able to get a hold to anyone, the phone disconnect after it ask to enter your phone. I have never applied nor received anything from this company. For years this company has been reporting {$310.00} to Equifax, {$170.00} to XXXX, and possible unknown amount to XXXX.
Product: Debt collection

I received communication in the mail involving a debt sold to the company XXXX XXXX XXXX in early XXXX. On XX/XX/XXXX, I submitted a request via certified mail for a validation of this debt. The company did not respond then in early XXXX, around the XXXX, reported this debt to XXXX and XXXX on my credit though I requested the verification of this debt. I attempted to call them numerous time from XXXX to XXXX and have not received any contact or communication back.