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

A Chapter XXXX Bankruptcy Dismissal is being reported on my credit file. Ref # XXXX I 've reached out to the bureaus to ask them to remove this reporting because it 's affecting me severely. I 've even express to them that because of the reporting It 's preventing me from receiving a promotion that was offered and I really need. The bankruptcy was filed in XXXX but was withdrawn shortly after. I did not go through with the procedure. I instead borrowed money from friends and family to pay off my outstanding debts. 
I 've send numerous rounds of letters asking for it to be removed. XXXX not only refuses to remove it but refuse to send me their method of verification and documents from the courts they claim they got the information from. I 've informed them that I spoke to some one within the court/ and department of records who notified me that XXXX did not verified with them and will not because they do not give out or report any such information. each time they claim to have verified, I asked them for proof and they refuse to send it. I 've asked them to please delete the negative Item if they will not honor my request and they still refuse to. The last letter that was sent out to them was dated on XXXX XXXX. That letter came back verified and they still did not honor my request.
Product: Debt collection

Greetings, Hurricanes Zeta and Ida severely damaged my home. To date, approximately {$95000.00} is being held by my mortgage company. Over the last couple of years the mortgage company has used multiple obstacles to create administrative reasons for withholding the funds paid by the insurance underwriter. For example, a small amount of the funds were issued to both me and to my former spouse, but after providing the needed documentation to the insurance underwriter, new checks were issued without my former spouse included. Those checks still had to be endorsed by the mortgage company which refused to release the funds Next, the mortgage company arbitrarily made a requirement that an inspection needed to be performed before any funds would be released. Please note that some of the funds were for ALE - Additional Living Expenses- incurred by me while I was without utilities for XXXX. The inspection was finally performed in XXXX, 2022, and the results came back at 100 % completed. 
Additionally, I was without a roof on my home, so rain just poured into my home and destroyed the interior and a lot of my personal property. I was forced to sell my business to obtain the funds to replace my roof and survive since the burden was terrible and XXXX basically cut off my earning ability. That work was paid out of the proceeds of the sale of my business. 
Subsequent to the XXXXXXXX XXXX  inspection, which again resulted in 100 % complete, three checks totaling approximately {$96000.00} were sent to me with a congratulatory letter from my mortgage company ( Ocwen or PHH or XXXX XXXX- they use three different names interchangeably ). XXXX days after the fully endorsed checks were inspected for endorsements and deposited by my bank, the XXXX XXXX in conjunction with THE MORTGAGE COMPANY 's bank - XXXX XXXXXXXX XXXX XXXX who sponsors a website for the mortgage company - denied payment to me. That was in XX/XX/2022. 
XXXX XXXX, this matter has gone on and on without XXXX single XXXX being released to me, however, the mortgage company and insurance underwriter 's Loss Claims website shows XXXX releases of funds to me, the last of them allegedly XXXX to me XX/XX/2022. Unfortunately, those funds were sent to a New Jersey address, not to me. 
In an effort to condense this horrible fiasco, I have spared you of at least 20 phone conversations wherein the mortgage company promised release of funds was only five days away. The last and final phone conversations were yesterday, Saturday, XX/XX/2022 ; the first of two calls was disconnected by the mortgage comapny after roughly XXXX minutes of hold time, while the immediate second call resulted in the representative informing me that another obstacle had been created- a proof of income requirement needs to be met and they would XXXX the application to me within five days. The conversations are recorded by both myself, as well as, the mortgage company. 
Won't you please help me? 
Thank you very much for your kind attention to my complaint. 
Please contact me with any questions you may have. 
With best regards, I am... 
Respectfully, XXXX XXXX XXXX
Product: Debt collection

XXXX  management calls me over  XXXX  times a day. They call early and late. They have now changed their number to unknown. I am trying to dispute this debt but they still call.
Product: Debt collection

I was sent a letter by Phoenix Financial Services, LLC in XXXX, XXXX, which was recently discovered AFTER this collection group reported a debt from XXXX XXXX, XXXX to all three reporting agencies in XXXX, XXXX. The debt lists the creditor as XXXX XXXX XXXX, in the amount of {$820.00}. When I contacted Phoenix Financial, they had no other information other than the unnamed physician was on staff at XXXX XXXX XXXX XXXX, but did not know where. They were not the original creditor as I was told, nor did they have any other information about this presumed debt. I was told they could get this information and for me to allow three weeks to receive it. Under the Fair Credit Reporting Act, they are to have the original file in their possession prior to any reporting to the three major bureaus, which they did report on XXXX XXXX, XXXX. 
I want this item removed as they failed to follow proper protocol - I knew nothing of the debt as my insurance would have paid the entire claim. I was not notified, yet XXXX XXXX XXXX turned me over to XXXX XXXX, and XXXX, causing my credit score to drop XXXX points.
Product: Debt collection

This company which I have no contract with nor can they provide my signature for this debt is reporting a collection on my credit and I want it deleted from my credit reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX  XXXX and XXXX XXXX XXXXXXXX. Please delete.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the name of the company below, and the dates the inquiry was made. 
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 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: Debt collection

I was contacted by Credit Control on a date that I cant remember at worked and asked them not to contact me at work and gave them an alternate number and time to call back at. I went on vacation at work and they continued to call my office and others at my office and talked to them about my debt when they could not get a hold of me. Then the contacted me when I returned to work on XX/XX/2020 at XXXX and I spoke with a XXXX who again called someone else at my office first before being transferred to me. They do should not have a main office, as if they have a line it should only be my direct desk line. I asked her to please stop calling my office. I tried to not have a conversation with her as i work in a cubicle and all of my coworkers can hear the conversation, but she pushed me to speak her. I am humiliated because now because of this company my direct co workers and co workers outside of my department now know about my debt. Then today XX/XX/2020 at XXXX XXXX from Credit Control calls again after i asked to have this number removed again! He states that there were notes placed on the account from the call yesterday. Again I am utterly embarrassed. I have to go through the same process today as i went through yesterday, but I am even more upset because fair debt collection laws are being broken!!!!
Product: Checking or savings account

I have repeatedly requested overdraft protection for my account, only to be told that the service was added when in fact it had not with numerous transactions denied. The fact that my account does not have overdraft protection is confirmed by Wells Fargo themselves on page 1 of my XX/XX/2021 statement. 

Then the bank subsequently charges my account a {$35.00} overdraft fee on XX/XX/2021 as also confirmed on the same statement, contrary to their own written statement, so Wells seems to have discretionary overdraft service on my account denying transactions when beneficial to the bank, charging fees when beneficial to the bank alll the while making direct false statements to the account holder.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This false, fraudulent, and inaccurate information is an auto loan with XXXX XXXX opened XXXX XXXX, XXXX under account number XXXX, a collection account with XXXX under account number XXXX, a collections account with XXXX XXXX under account number XXXX. Because of these fraudulent and inaccurate accounts, my consumer credit report has been negatively impacted by late payments and collections being reported. These accounts and collections reported and maintained by you I do not recognize and are inaccurate and fraudulent and were not approved, initiated, or opened by me. All of the accounts and collections I listed are the result of identity theft and fraud. Attached is a copy of my FTC Identity Theft Criminal Complaint # XXXX  as proof from the US Federal Trade Commission that the accounts and collections I listed are the results of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In trying to finance a new mortgage, I was asked about an item appearing on my Equifax credit report from XXXX for solar panels on a home I had previously owned. I was unaware of this item and was shocked as I check my reports frequently. 

I obtained my credit report from XXXX and it was not showing. I reached out to Equifax and they said that I was not seeing it because I was not using an Equifax product. However, when I did use that product, this item was still not on my report. 

I understood that the bureau could not provide to lenders any data that was not provided to the consumer. The agent at Equifax could see it, my lender could see it, but I could not. And, according to this agent, it was only reported by XXXX AFTER I sold the home ; we closed on XX/XX/2019 and it was first reported XX/XX/2019. 

I understand credit and was confused and angry when this popped up at the minute ; had I known about it, I could have dealt with it before starting my loan process. I can not imagine how someone buying their first home would feel. Should Equifax be able to continue this practice?
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION 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 Account number : XXXX - IDENTITY THEFT XXXX XXXXXXXX XXXX Account number : XXXX - IDENTITY THEFT 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: Credit card

I used this credit card with no problem before. I had a dispute still no resolved with them. Then it went into collection. Then A law firm is NOW involved with it, Please help me resolve this issue.
Product: Debt collection

I have XXXX collection notices from Grant Merch. The submission dates were XXXX, XXXX. Grant refiled the accounts to XXXX to represent that they were new starting XX/XX/XXXX. This was purposely done to ruin my score, allowing the entries to remain on my accounts an additional three years in a violation of the Consumer Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already disputed this XXXX account with account number XXXX and filed a complaint thru FTC last XX/XX/2021 with Ref # XXXX and it was deleted under XXXX & TransUnion from my credit reports. However, on my monthly updated credit reports dated XX/XX/2021, a newly added account appeared in my reports as XXXX XXXX with the same account number XXXX and is reporting negative still under XXXX & TransUnion. I've attached a copy of my credit report summary showing that it has been deleted and was added back again. I want this to be removed as it is very illegal to add on removed fraudulent accounts. I have contacted them before to demand validation of the said account and have it closed but I have never received any validation. This willful neglect has not only caused much financial hardship, but is also a direct violation of my rights under the Fair Credit Reporting Act. This is a scam and I want this to be thoroughly investigated promptly. This inaccurate account is being reported negative in my credit records again and is hurting my financial stability. I have disputed this and was deleted but it has been added back again.
Product: Debt collection

I have received numerous calls from creedence resort agency. They refuse to identify them selves as a debt collector or advise of where they are calling from until i verify my identity. I have asked numerouse times for them to comply with the fair debt collection practices act and they state we can not advise this information until i verify my identity. I have asked them to stop calling everytime they refuse to comply with the law. They still call. The time of call today XXXX was XXXXXXXX XXXX cst. The call was recorded i asked the representative XXXX XXXX to identify the agency an nature of call, then specifically if they were a debt collector. Representative refused to answer unless i answered and then transferred me to a supervisor XXXX XXXX who again refused to identify them selves. I specifically advised according to the fdcpa he must identify agency and if they were a debt collector prior to me confirming my identity. They refused and i disconnected call.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding your practices in validating debts that are not associated with my credit report. It has come to my attention that several collections accounts have been added to my credit report without proper validation, despite my repeated attempts to rectify this issue. 

I have made numerous requests to have these debts reviewed and validated, providing supporting documentation that clearly demonstrates that these accounts are not mine. However, I have consistently faced refusal from your organization to conduct a thorough investigation into these discrepancies. 

Furthermore, I am deeply troubled by the fact that the same unverified information continues to be included in my credit report, negatively impacting my creditworthiness and reputation. This not only violates my rights as a consumer but also undermines the integrity of the credit reporting system. 

I demand that you immediately cease reporting these unverified debts on my credit report and take immediate action to rectify this situation. It is crucial that you conduct a comprehensive review of the information provided and remove any inaccuracies without delay. 

I also insist that you provide me with a detailed explanation of the steps you will be taking to address this issue and prevent similar incidents from occurring in the future. Additionally, I request a written confirmation of the actions taken to correct my credit report. 

Please be aware that I am prepared to pursue all available legal remedies, including filing a complaint with the appropriate regulatory authorities if necessary, to ensure that my rights as a consumer are protected and that my credit report reflects accurate and verified information. 

I expect a prompt response to this complaint, including a timeline for resolving this matter satisfactorily. Failure to address this issue adequately will leave me with no choice but to escalate my concerns further. 

Thank you for your immediate attention to this matter.
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 to vulnerable and unprotected. Furthermore, their dispute 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to IGNORE a Police Report, ID theft report and XXXXworn Affidavit. Equifax is acting on its own to wreck the Credit and standing in the community of XXXX XXXX XXXX. Equifax has been given Multiple opportunities to cure the fault, but refuses to even Address the issue. Equifax representative told me via phone call, that the CFPB is a joke and they can do NOTHING to Equifax. SO far ... .evidence shows they are correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$160.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft due to someone stealing my identity. In addition, they hacked into my network and stole my personal information, which someone opened up fraudulent account and inserted fraudulent inquiries on my Equifax credit report. I disputed the fraudulent information with them already, which I provided a police report and affidavit to proactively remove those items. Therefore, Equifax did not remove those fraudulent items, which they are violating The Fair Credit Reporting Act, 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Therefore, they violated this act. Also, I have disputed the same items with XXXX and XXXX and they complied and removed those fraudulent items from my credit reports. So, what is the issue with Equifax? I am asking you all to get onto Equifax to make them comply. If they do not comply, I will take this matter further and report them to the state of Georgia 's Attorney General ; and furthermore, take Equifax to court.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  will not STOP ruing my TRANSUNION CREDIT REPORT they keep reporting INACCURATE FRAUDULENT UPDATES to TRANSUNION and they wont STOP I mean STOP NOW something has to be DONE NOW they started back up ruing my CREDIT every since I opened this new DISPUTE for them to DELETE this fraudulent XXXX  XXXX  account when the dispute resulted completed on XX/XX/XXXXXXXX  they FRAUDULENT VERIFIED and LIED to TRANSUNION that this account was OPEN and it Was a LIE because it was CHARGED OFF and CLOSED on XX/XX/XXXXXXXX  I have the PROOF see all the INFORMATION attached and then they came back and updated on XX/XX/XXXXXXXX  with TRANSUNION and reported the account CLOSED again and XXXX XXXX just verified to TRANSUNION that it was not CLOSED to REOPEN it back up on XX/XX/XXXX. THIS has to STOP please help me CFPB XXXX XXXX has to be STOPPED. I have reported this to the FTC because my IDENTITY has and was FRAUDULENTLY USED this called IDENTITY REPORTING FRAUD. this is a FCRA Violation also with reopening aged CHARGED OFF accounts and CLOSING it 5 days later with the dates of closing changing from XX/XX/XXXXXXXX  to the NEW FRAUDULENT CLOSED DATE XX/XX/XXXX XXXX..XXXX XXXX is DEFINITELY going to PAY for the INACCURATE FRAUD reopening and closing of this account data and deleting the closing date and reporting a FRAUDULENT closing date 5 days later to ruined my CREDIT and making it look like I have a RECENT CHARGE OFF after they CLOSED the account again from REOPENING the account 5 days prior. THEY have to be STOPPED NOW and TRANSUNION is the CREDIT BUREAU that is LETTING them update and report the INACCURATE VERIFICATION of FRAUDULENT INFORMATION and they wont do anything NOR will they FIX my CREDIT REPORT and DELETE this account. I have sent in so many documents of proof and made so many COMPLAINTS and NOTHING is being DONE attached again will be included my IDENTITY THEFT complaint report in reference to XXXX XXXX  and TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened years ago and settled in XX/XX/2020. The account is still listed on my credit and when I dispute for removal they add more incorrect balance, date and payment information to the remarks. This same company removed the other account I paid off. This one is effecting me getting a home for incorrect information. Please help