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

On XX/XX/2024 I disputed a Federal ruling about the use of consumer reports for the collection of an account, with all three credit buraus ( XXXX, XXXX, Equifax ). I requested written confirmation of the removal, and It seems only Equifax has responded with this information as being " Updated '' and the other two have yet to respond. 

Yet the derogatory mark still remains and is being shown as a closed late pay, collection, account across all three credit buraus. 

They are now in violation of this ruling and the FCRA as this reporting does not derive from a credit transaction. And is not a loan from a lending institution. 

By not following through on my dispute to delete this information from my credit report immediately based on this Federal mandate. 

See attached notice found on XXXX website stating : " Credit Reports for collection of delinquent child support, judgments, fines and liens may no longer be permitted '' The above notice was attached and sent with a legal notice to all three credit reporting buraus CEO 's informing him/her to remove this reporting and they have failed to do so.
Product: Student loan

The company is Great Lakes. I did not see an XXXX payment post, and just now noticed while doing budgeting. I logged in to my Great Lakes account and they put my loans in forbearance without my knowledge or consent! This is not the first time they have done things like this. Great Lakes needs to be thoroughly investigated and shut down.
Product: Credit reporting or other personal consumer reports

This account was closed XX/XX/year>, but is constantly updating as if it is still active and open. This is not fair and it is impacting my approval odds for a house, i feel it is only fair to remove this account from my report there since nothing else is seeming to work in my favor.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of a fraudulent inquiry from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach that has led to unauthorized activity on my credit report. 
The fraudulent inquiry that needs to be removed is as follows : XXXX  - Date : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I was XXXX XXXX XXXX XXXX  when my last month of interest free occurred. By the time I made it back XXXX XXXX I realized the issue and paid the interest for some time while trying to work with XXXX to resolve this issue. Last year XX/XX/year>, when they reached out to obtain information for my military service to receive Servicemember civil relief act, I sent in my orders and the final contact is when they sent me a letter about closing my account. Once the closed account hit my credit, I called them to figure out how to remove the negative balance and they said I had to reach out to Credit Bureaus.
Product: Credit card

On XX/XX/XXXX, I requested a replacement credit card from Bank of America as I could not locate my original card. Around the expected arrival time of the new card, I noticed multiple unauthorized charges totaling {$500.00} on my account. These charges occurred during a period when I was at home and did not make any transactions. I did not receive the replacement card in my mailbox. I immediately contacted Bank of America to report these unauthorized charges. I suspect someone stole my replacement card from my mailbox and used it. A claim was filed on XX/XX/XXXX, but the bank subsequently rejected my dispute without providing any explanation or justification. According to the Truth in Lending Act ( TILA ) and Regulation Z, consumers are protected from liability for unauthorized charges, particularly when they have reported them promptly. Additionally, under the Fair Credit Billing Act ( FCBA ), creditors are required to investigate disputes and provide clear reasons for rejecting a claim. Bank of Americas decision to reject my claim without explanation, despite evidence suggesting potential fraud, appears to violate these obligations. Following the rejection, I attempted to contact the fraud claim department to request a reinvestigation. I waited on hold for over two hours, only to encounter repeated unhelpful processes and a complete lack of responsiveness from the department. This lack of access to timely and effective support has added undue stress and frustration to an already difficult situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

For some time I have attempted to correct issues with XXXX XXXX XXXX. This was after I submitted a fraud report. Incorrect information is still appearing on my report. They have claimed not to receive the disputes after they were submitted. The disputes are for identity theft/fraud. The individual listed on the accounts is deceased and has been for decades. I sign my legal documents a certain way and no proof has been given that this was debts.
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 an 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting

XXXX has an Inquiry on my Credit Report from XX/XX/2015 (last month).  XXXX sent me the paperwork that it sent that paperwork to Equifax to remove the Fraudulent Inquiry (XXXX inquiry on my Equifax Report).  XXXX told me that the Ball is in Equifax's court now.

Also I am a Victim of identity theft.  XXXX identity theft solutions has been assisting me through the process.  They contacted XXXX to put an EXTENDED 7 year FRAUD ALERT on my file.  XXXX sent me the documentation that I have an EXTENDED FRAUD ALERT on my XXXX fileXXXX sent me the same paper work as well.  However, it has been XXXX full days (at the end of today XX/XX/2015) and I have yet to get any paperwork from Equifax about putting an Extended Fraud Alert on my Credit file.  XXXX and XXXX sent me the paperwork on XX/XX/XXXX and XXXX.  Equifax has yet to send me any paperwork about putting an EXTENDED FRAUD ALERT on my file with them.

Also these Credit Agencies do not seem to want to really help you.  I say this because I called XXXX today because I had a few questions about my identity theft, and when the 7 year alert expires I will need another 7 year Fraud Alert on my Credit, since I have ID THEFT, and I had to wait literally 20 minutes to talk to someone in their Fraud Department.  I mean when I call my cable company I have to wait a minute or XXXX.... not 20 minutes, like I had to wait today when I called XXXX.  It is quite frustrating!!
Product: Credit reporting or other personal consumer reports

Please erase these inquiries. I'm unaware of them, and the company proceeded without my permission.
Product: Credit card or prepaid card

This just proves your lack of proper record keeping. Now, this item is reporting to be late, yet it is closed and the balance is XXXX. You are required to verify for yourself but I will go ahead and remind you that this account was paid, closed, and no longer active and should have reflected the status of PAID.
Product: Checking or savings account

on XX/XX/XXXX, citibank locked down my checking account ( XXXX ) with no explanation. my case i.d . is XXXX XXXX. 

XX/XX/XXXX, i was referred to citibank employee, XXXX XXXX, who said they needed my employment information from 30 years ago (!? ). that was sent. then she referred me to XXXX XXXX at XXXX XXXX  never responded to repeated calls. 

XX/XX/XXXX, my citibank credit bank 's auto payment from my checking account was cancelled. this credit card pays my father 's recurring XXXX premium. at this moment, two physicians are trying to prevent the XXXX XXXX XXXX XXXX XXXX XXXX. my father 's credit card also pays for his prescription drugs which average {$1500.00} a month and are necessary to keep him living. 

XX/XX/XXXX, i contacted XXXX XXXX again and told her i lived off my social security and IRA with some gifted money from my father at XXXX  she told me i was suspected of money laundering because i transferred several XXXX XXXX  over several months to my checking account from XXXX  XXXX. i make similar transfers to XXXX XXXX XXXX and they have never locked down my account. a loyal customer for 30+ years without a blemish and i am accused of being a criminal. 

last year, i received a {$100000.00} home equity loan from citibank after filling out mountains of information. i repaid the loan after one year. my XXXX old father lives in his own house and requires a 24/7 salaried caregiver. his annual expenses approximate {$100000.00}, a third of which is medical. 

my father has over {$1.00} XXXX managed by citibank in their equity fund which he began 20+ years ago. the checking account amount is currently 1 % of his citibank stock holdings. would citibank like us to move this equity fund money elsewhere? 

it has become obvious that citibank divisions do not communicate with each other. i told XXXX XXXX about my home equity loan but her checking account division can not contact them!? they can look at my online citibank accounts and see that i have a {$100000.00} line of credit for future use. citibank locks down my five-figure checking account but keeps open my six-figure line of credit? 

if whoever looked at our credit card charges, they would see ordinary purchases plus a huge pharmacy bill. 

does any of the above fit the pattern of a money launderer? or does this fit the pattern of a XXXX old social security recipient caring for his XXXX XXXX XXXX father? 

citibank should get on its knees every night and thank god for XXXX XXXX XXXXXXXX. or citibank would be the worst bank in the world.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed two accounts that was not reporting accurately. I had one late payment on two of my accounts that I was in fact paid on time. The consumer reporting agencies have and need to report all information with complete accuracy.these account has not been late on payments.Ive attached a copy of my credit report to this complaint on the following dates XX/XX/2023 and XXXX XXXX now requesting you to investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified. I demand these payments to be updated as paid on time immediately. Thank you for your understanding and prompt action
Product: Debt collection

" CCS '' XXXX XXXX XXXX comes up in my credit report for a fee owed of {$130.00} for XXXX XXXX XXXX XXXX when I left at the end of my policy ( paid up ) and went with another insurance company. I wrote to CCS in a letter dated XX/XX/2018 advising to provide validation of said debt but never received anything back. This is still on my credit report and I would like it resolved/removed as soon as possible.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), as I am a victim of identity theft. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

At the end of XXXX, I made a payment arrangement to bring my car note current. Not only did I pay a day earlier than promised, I asked the agent I made the arrangement with to only contact me by mail and to take me out of the dialer. He acknowledged my request and they're still calling me because my payment for XXXX is approximately XXXX days past due.
Product: Debt collection

I have received notices that I owe money to a company called XXXX which hired a company called ZenResolve to collect {$1600.00}. They don't have my birthdate but somehow they have my social security. I am unfamiliar with this company. They don't have any contracts or statements to accurately reflect that any monies were taken. Again, I don't recognize this company and they reference a bank account with XXXX XXXX that I don't have. In fact, I don't have a XXXX XXXX account. 

I am trying to get this debt discharged and make sure it doesnt affect my credit.
Product: Mortgage

I have a judgement recorded in  XXXX  County Florida due to a foreclosure on my primary residence in 2009. At that time I was trying to facilitate a short sale of this house and Chase Bank was no help at all with this. As I was submitting offers from buyer they tracked the foreclosure concurrently. They kept rejecting the offers until the foreclosure date came and the property was sold at auction to Chase Bank. The judgement amount is {$220000.00}. After they received the certificate of title the property was sold for {$120000.00} which was less than the short sale offers I submitted.
I would like to have this judgement cleared from the records in  XXXX  County.
Product: Payday loan, title loan, or personal loan

I had a home equity line of credit with Wells Fargo my loan number has changed several times and I have requested a copy of the letters that state when and why my loan number was changed. Wells Fargo keeps sending me bank statements and not the letters. I do not want the bank statements I want just the letters for each time my account number was changed and why it was changed. The loan has an expiration year of XXXX and Wells Fargo has insisted since XXXX that all information pertaining to this loan has been destroyed due to their merger with XXXX. Due to the documentation being destroyed Wells Fargo has caused me to file bankruptcy in order to save my home. I believed this loan was paid in full in XXXX and in XXXX I was contacted by Wells Fargo when I arrived home to find a sheriff 's sale notice on my door. Since XXXX I have repeatedly asked for any and all documentation pertaining to this loan only to be told it was destroyed. I have hired attorneys and even went to the Attorney Generals office for assistance where I was told to contact the institution. I have repeatedly requested the information that is why I turned to the Attorney General for help, only to be told contact the institution. A loan number on a home equity line of credit should not just change without the borrowers signature. All I am asking is for a copy of each letter every time my loan changed and when and why. Can someone please help me to get the information I need and also find out why all the records to my loan which they are making pay have been destroyed since the loan expires in XXXX
Product: Debt collection

RENT RECOVER LLC AND XXXX HAVE AN UNSPOKEN AGREEMNET TO COMMIT COLLECTION FRAUD, BY ALLOWING THEM TO REPORT DUPLICATED COLLECTION ACCOUNT.
Product: Mortgage

I applied for a mortgage refinance with Capital One Home Loans on XXXX XXXX, 2016. The agent I worked with is XXXX XXXX ( XXXX XXXX ) and XXXX XXXX. I provided the documents they initially requested and sent my details and they ran my credit. We agreed that if I cancel my application after I accept their offer my Capital One credit card will be charged {$450.00} but if they decide to cancel it will be at no cost to me. While performing their title search they requested additional information regarding the mortgage of previous owners of the property ( the XXXX owner before me ). For this information I had to reach out to the lawyer who had helped me when the property was transferred to me. They also requested a copy of the lease agreement which I explained to XXXX XXXX I would have to reach out to the person managing the property on my behalf and there would be a delay before I can provide the information required for the title and lease agreement. 

I received a voicemail from XXXX XXXX on XXXX XXXX requesting that I send the lease agreement to XXXX within 24 hours, as well as, provide an update on the title, otherwise they would cancel my loan. I sent documentation I had received from my lawyer regarding the title on the same day ( XXXX XXXX ) and forwarded the lease agreement as soon as I received it on XXXX XXXX ( within 24 hours ). 

I called their appraiser to schedule an appraisal for the property as planned but found out from the appraiser that my loan had been cancelled. I checked my account and found that I had been charged {$450.00}. Neither XXXX or XXXX sent an email or called to let me know the loan had been cancelled and I would be charged {$450.00}. Subsequently I sent emails to XXXX and XXXX to get an explanation but did not get a response. I also sent emails to XXXX 's manager, XXXX XXXX but did not get a response. I called and left voicemails but still did not get any response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent certified letters to dispute charge-offs on Equifax, XXXX, and XXXX credit bureaus and as of today XX/XX/2022 I have yet to receive an update of my disputes. I have had identity theft done on me several years ago. It is to the extent that the IRS sends me a pin every year to file my taxes. I have disputed XXXX XXXX XXXX XXXX for 2 charge-offs for the amounts of {$12000.00} and {$4000.00}. The credit bureaus are still reporting inaccurate information without supplying me the correct documentation of accuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint on XXXX XXXX, 2017 that XXXX is reporting erroneous information on my credit report from XXXX XXXX XXXX XXXX and they closed the complaint and responded that the account is in litigation which is not true. I have filed an identity fraud complaint with the Federal Trade Commission several months ago because erroneous information keep appearing on my credit reports. I would like to have this matter resolved before taking the next step of filing a complaint in court because the credit reporting agencies were aware that I am a victim of identity heft, yet they continue to report erroneous information in my reports, which is a violation of the FCRA.
Product: Mortgage

When they first offered mortgage assistance on their website in XXXX of this year, there was no explanation as to terms or ramifications just straight delay payments up to 3 months, but then, it suddenly went to 6 months. 

For over a month I had no information on what would happen at the end of the delay period nothing for almost 2 months, then all of a sudden, I am getting a payment assistance application in the mail, along with letters stating I have no payments due until XX/XX/2020 AND then I am notified you put a derogatory comment on MY CREDIT REPORT! 
At first, I thought the missed payments would be added to the end of the loan and I thought, this is a sweet deal I can use my mortgage payments to knock down other debt and make it up on the back end of the loan LIKE SO MANY OTHER COMPANIES offered. 

Then I had a phone conversation with someone who said that isnt how it works well they COULD HAVE led with that in XXXX. made it very clear upfront So then I thought, ok I will just bank my payments and earn a bit of interest, THEN they put a derogatory comment on my credit report AFFECTED BY DISASTER IMPLIES A LOT OF DIFFERENT THINGS AND IT IS AN UNFAIR AND LEADING STATEMENT. 

I received a letter in XXXX indicating my escrow went up and my payment would go from XXXX to XXXX in XXXX. 

I sent my XXXX XXXX and XXXX payments all at once, including the extra money for XXXX and they didn't even apply it correctly! 

Now they say my payments have gone to XXXX - again for escrow. 

XXXX? I don't think they actually know what they are doing
Product: Debt collection

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. I was the victim & I'm not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. 

According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. 

XXXX XXXX XXXX FRAUD, PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXX XXXX XXXX, PLEASE DELETE!!!!!! 
XXXX XXXX XXXX FRAUD, PPLEASE DELETE!!!!! 

I am willing to grant you one final opportunity to process my request concerning my identity theft. Failure to do so will compel me to seek legal recourse through the judicial system. In such a scenario, you will be held accountable for the damage caused to my reputation, credit, and the emotional distress I have endured throughout this ordeal. It is highly likely that what constitutes a material fact will become abundantly clear during legal proceedings, and you may be required to compensate me for your negligence. 

I implore you to take immediate action to resolve this matter within the five-day timeframe mandated by law. 

Please manage your responsibilities accordingly.