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

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXXXXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a rate locked in with Caliber Home Loans for a refinance. This was done in mid XX/XX/2020. 

The rate lock expired XX/XX/2020, the terms were changed by Caliber after the rate lock expired and they have since provided 3 different loan disclosures with different terms. 
- {$11000.00} in closing costs, vs. the original {$97.00} - {$8000.00} in closing costs, vs. the original {$97.00} - in an email, then reduced to {$5000.00} vs original {$97.00} Leading up to the rate lock expiration date, I have followed up several times by email, that the rate lock was expiring and how much longer it was taking to close the loan. I had provided all documents on time always. 

They changed their terms after the fact.
Product: Credit card or prepaid card

Have had this credit card for over 1 year, made all payments on time and usually above minimum due. Recently made XXXX dollar payment well above what was due just to catch up on balance. At this point had 600 plus dollars available credit on this account. Went to use card and was denied at gas station. Called TJ MAXX CREDIT CARD and was told that over night they decreased my credit limit and had no reason that they could come up with as to why this happened. Was completely blind sided by company I thought I was in good standing with.
Product: Credit reporting or other personal consumer reports

My account with SELF FINANCIAL/LEAD BANK was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Comenity Capital Bank is showing that I'm more than 30 days late on my XXXX and XX/XX/2022 payments. This is showing up on my credit report. It has caused my credit score to spiral as a result. Because of this my other credit cards have reduced my available credit by thousands. This is keeping me from purchasing a reliable vehicle. I have bank statements showing that I made payments on time in both XXXX and XXXX of XXXX. I have filed multiple disputes with all 3 credit agencies and Comenity Capital Bank still refuses to correct this error on my credit report. I've tried speaking to them in person as well and just get the runaround. I need this fixed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove the following erroneous information on the following accounts : 1. ) XXXX XXXX XXXX XXXX - not 30 days late on XXXX and XX/XX/XXXX 2. ) XXXX  XXXX - not 30, or 60 or even 90 days late on XXXX, XXXX, XXXX consecutively. this is not true 3. ) XXXX XXXX XXXX - I am not late on the month it shows on the report 4. ) XXXX  XXXX - not late 30 days on XX/XX/XXXX, this is incorrect These accounts were not delinquent on the specific months mentioned on my credit report.. Reverse the late payments, fix the accounts they were not delinquent
Product: Debt collection

This Auto Account Been On My Account Since 2015, I tried my best to fix this After all that time of reporting wrong amount I owe and wrong this account report to Experidan and XXXX, Not XXXX Which Is Not Accurate And therefore I want it deleted off my account, I understand the law and need help this is hurting me and my family because Im the back done they depend on I cant get the right access to keep my family in good health and strength. Please delete improper use of information off my credit report. 

XXXX XXXX Is A Depth collector and not the original company of the auto loan, Apart from that all the information showing on my credit report from this collector is incorrect, please help me in getting this taking care of, if you take the time to look back I wrote you guys before I do not need a update of my account I need it deleted because of how long this have hurt me, if u can kindly help me get this collection of my report, I need a fair shot at credit like everyone else. Thank you
Product: Mortgage

I applied for a HELOC around or about XX/XX/2021, before applying for the refi, I requested a hardship waiver from XXXX XXXX on a grant I received when I purchased my property. The request to XXXX XXXX was asking XXXX XXXX to subordinate their loan position to Wells Fargo. INVEST XXXX would not do a HELOC, but if I was willing to do a Regular Refi with a Cash-Out they would consider my request. XXXX XXXXXXXX subordinate position would not require me to make monthly payment but would only secure their position in the event of a sale of the property. So, I decided to move forward with the loan. Wells Fargo originally agreed to allow XXXX XXXX to go into the secondary position. However, after a lengthy loan application process, a prejudice appraisal from a Wells Fargo authorized appraiser ( which it took me another 30 days to appeal the appraisal, yes, I had it overturned and raised ), because of the length of time this consumed my initial interest rate of 3.25 % had went up to over 4 %. Wells Fargo days before closing refuse to honor their decision to allow XXXX XXXX to subordinate to a second positions causing me to have to pay {$52000.00} of my Cash-Out, if I decide to move forward with the refi and also take a new interest rate of over 4 %. At that time my credit score was 746 and the LTV for the refi would have been less than 33 %. I can provide all correspondence between myself, XXXX XXXXXXXX and Wells Fargo, including the complete appeal process of the appraisal. I am a XXXX XXXX XXXX XXXX  Veteran and a XXXX XXXX XXXX and XXXX XXXXXXXX for over 35 years. 

What am I looking to accomplish, I would like to be compensated the {$52000.00} of equity lost, I only had 3 years before my matured date of the grant where I would not have been obligated to pay any of the grant back. I would like an additional {$10000.00} for the higher interest rate I had to take because of Wells Fargo XXXX XXXX, the deception of allowing me to believe that they would allow XXXX XXXX to go into a second position days before my closing date. Knowing I had invested time, energy and emotion into this process. 

If CPFB can not assist me with this can you assist in helping me find an attorney that can.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to correct this numerous times with trans union as well as XXXX XXXX XXXX  to no avail. I was looking closer at the paperwork XXXX XXXX XXXX sent me per my request, and on top of it not being my account, it has being grossly re-aged to suite them. according to them I was in XXXX XXXX until XX/XX/XXXX, and I had an account with Nevada power which I didn't, now they reaged the account to the time when they got ahold of it in XX/XX/XXXX which is highly illegal. they feel like they can do what they wish with consumers and get away with it because they have the credit bureaus in their pocket. this is the last time I complain about this on here and seek an attorney if I have to. I need trans union to look into this correctly instead of just asking XXXX XXXX XXXX if it is correct.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, Social Security Number : XXXX SSN ), Consumer Date of Birth : ( XXXX  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 XXXX credit reporting agency , block 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 XXXXXXXX XXXX  OPENED ON XX/XX/year> IN THE AMOUNT OF XXXX, AND XXXX XXXX ACCOUNT, IN THE AMOUNT OF {$3600.00} fraudulent, inaccurate, and false information. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has continued to use unfair debt collection practices. I have proof that you purchased my personal and private information from XXXX  XXXX. You have assumed responsibility for this alleged debt. I am requesting documentary evidence pursuant to 15 usc 44. I need my XXXX a document crucial for the Cancellation of Debt for this charged-off/collection account. It is imperative to recognize that under the law, creditors are legally obliged to provide IRS XXXX XXXX when canceling a debt. This form plays an essential role in tax reporting, enabling individuals to accurately report and comprehend the tax implications of debt cancellation. The absence of this form in my case constitutes a severe violation of federal tax regulations. 

One of the most troubling violations pertains to the deceptive nature of the letters I have received from MIDLAND CREDIT MANAGEMENT. These letters were sent with logos prominently displayed on the outside of the envelopes, a practice that clearly contravenes established debt collection regulations 15 usc 1692b ( 5 ). Furthermore, the content of these letters contained threatening and obscene language, which is both unlawful and wholly unacceptable. Your company has continued to threaten me with legal action on an alleged debt. I I have meticulously documented these violations and am fully prepared to provide evidence in arbitration proceedings. 

Failure to comply with these demands within the specified timeframe of 14 days will leave me with no choice but to take official action by filing IRS Form XXXX : Information Referral and IRS Form XXXX : Application for Award for Original Information Overview with the Internal Revenue Service against all individuals and corporations involved in this matter. This letter serves as my final attempt at resolution before initiating arbitration proceedings.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested information from this company on who they are. I was told on the phone there was no file with my name on it and the gentleman on the phone said that it probably was an accident. On XX/XX/XXXX I filed a report for unauthorized activity on my credit report. I asked it be removed due to the 15 USC CODE 1681 I was required to get a fair check on this and wasnt this dispute has been pending for over 60 days with no response from the company as an open dispute. I will be seeking litigation and correct compensation from whoever this company if this doesnt get deleted asap.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX is reporting status on my account as open, charged off/written off and closed. All at the same time. How?
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX XXXXXXXX XXXX XXXX # XXXX has violated my rights.

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

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

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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report ACCOUNT NAME : XXXX XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 
I contacted " XXXX '' and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 
This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Debt collection

XX/XX/2020 My spouse reached out on my behalf to gather more information about a debt that had appeared on my credit reports. She asked for a debt validation letter to be emailed to me and also for a reduced amount on the original balance being owed. The letter received was not a debt validation letter. Only a pre-filled letter that stated that Midwest Recovery was collecting on the debt and the amount. 
XX/XX/2020 A letter was issued on my behalf requesting a proper debt validation letter for the medical bill Midwest Recovery was collecting on. Asking for more detailed  information to support their claim I owed the debt. I also reported the information on the credit report asking the credit reporting agencies to prove the information was accurate. 

XX/XX/2020 Another call was placed asking about the debt. A conversation with Mrs. XXXX took place notifying me how it was past the 30 days on the information being requested and that she'd reach out to Mrs. XXXX, the supervisor and the one the request for reduced payment was made with. 

Original Debt Validation Letter was issued the XX/XX/2020 and has gone unanswered and unable to provide proof the debt is valid. Requesting the collection to be closed and removed from my credit reports. 

Attached is the letters exchanged between the parties.
Product: Debt collection

Unauthorized dispute IC system, kindacare, and all inquiries are unauthorized on my credit report and should be removed Immediately for. XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to your response of XX/XX/2022 Student loans can not appear on my credit report when it is in violation of federal law. 
In your contract not only is there an error in the name which is grounds for deletion but section C, Item 13D, in the contract states it must be Permitted by law and federal does allow you to violate my privacy as a consumer which is a violation ( 15 U.S.C 1681a ). You are infringing on my privacy. 
You also did not loan me anything, it was a consumer credit extension, You do not have the authority to create or loan out credit. This means there was not a meeting of the minds through lack of FULL DISCLOSURE.