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

XXXX XXXX XXXX XXXX was tasked with validating the records associated with this account but failed to do so. The requested information included : A copy of the agreement granting authority to collect on this alleged debt. 
A signed agreement where I explicitly agreed to pay the creditor. 
Details of any insurance claims filed by the creditor regarding this account. 
Documentation of any judgments obtained by the creditor related to this account. 
The name and address of the alleged creditor. 
The name associated with the alleged debtor. 
The alleged account number. 
The address on file for the alleged debtor. 
The total amount of the alleged debt. 
The date the alleged debt became payable. 
The date of the original charge-off or delinquency. 
Verification that the debt was assigned or sold to the collector. 
A complete accounting of the alleged debt. 
Details of the commission the debt collector would earn if collection efforts succeeded. 
The method used to verify and validate this information. 
None of this information was provided. Additionally, XXXX XXXX XXXX XXXX manipulated data originally present in my file. The attached documents show that the initial account was linked to " XXXX XXXX XXXX XXXX XXXX, XXXX, Illinois. '' After this information was confirmed to be fraudulent, XXXX XXXX XXXX XXXX altered the document file to " XXXX XXXX XXXX XXXX XXXX XXXX, Illinois. '' This missing information, combined with the deliberate manipulation of my consumer data for corporate benefit, constitutes violations of the Fair Credit Reporting Act ( FCRA ) and consumer rights laws, specifically 611 ( 15 U.S.C. 1681i ), which pertains to the treatment of inaccurate or unverifiable information. 
Because the information required for account accuracy validation has been manipulated and is, therefore, invalid, XXXX XXXX XXXX XXXX is obligated to delete the account and any related connections to my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX  XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX  XX/XX/2020 SENT DISPUTE LETTERS TO TRANSUNION, XXXX, XXXX XX/XX/2020 RECEIVED RESPONSE FROM TRANSUNION LLC XX/XX/2020 RECEIVED RESPONSE FROM XXXX XX/XX/2020 RECEIVED RESPONSE FROM XXXX I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX, XXXX, and Experian credit reporting agencies regarding inaccurate information on my report. After trying to correct this inaccurate information these companies refuse to remove the information once they were told they were in violation of law. 15 usc 1681 ( a ) definitions ; rules of construction ( 2 ) ( a ) clearly states report containing information soley as to transactions or experiences between the consumer and the person making the report is excluded. According to the Fair Credit Reporting Act ( CFRA ) violation and penalties ; I can be compensated for these agencies my willfully violating my rights. These companies have caused harm. The inaccurate information lowered my credit score by not allowing me to have a fair representation and accurate information when applying for loans.
Product: Debt collection

Appears to be the debt sold from XXXX whereby original dept had been disputed. Did not belong to me. Incorrect middle initial.
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 violates 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 and other information vulnerable and unprotected. In addition, I was cut off access to my original account as well as the one I made after I was involuntarily kick out of my own accounts. Furthermore, their dispute resolution process was unfair and deceptive, as they did NOT comply with error resolution requirements under the Electronic Fund Transfer Act ( EFT ) and Regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

Upon reviewing of my records, the following accounts are erroneous. I did not incur any late payments. Ive made every payment on time. Please remove it from my credit report. 




XXXX  / XXXX / {$9300.00} XXXX  XXXX XXXX / {$0.00}
Product: Credit reporting or other personal consumer reports

RE Account Numbers XXXX CarMax, This letter is a formal complaint that you are reporting my nonpublic and personal information without my written consent. Please show me the proof you sent me giving me options on how I could opt out of sharing my nonpublic information and proof showing you gave me the option to not disclose my transaction history each month with a third party.

The law states a consumer must give written consent to opt out of sharing their nonpublic information to the financial institution. I did this and you stated I did not have that right to opt out. It is a violation to report my transactions or experiences between you and I with a third party or consumer reporting agency without my written consent. It is the policy stated by Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers to insure the security and confidentiality of their customer records and information. This includes protecting against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

I the consumer should have been given the opportunity, before such information was to be reported which gives me the option to direct you that such information should not be reported. I also should have been explained how I could exercise that nondisclosure option, which I was never advised. I have written multiple times, and you have continued to ignore my written request.

Your failure to comply with the law and my written request has hurt my ability to obtain credit. Again, I am requesting to opt out of sharing my nonpublic information and for you to remove all my transaction history from all nonaffiliated
third parties such as XXXX, XXXX, and XXXX XXXX immediately. Otherwise, I will pursue legal actions for every month my nonpublic information has been reported which could be a fine of {$1000.00} per violation.

Thank you for your immediate attention to this matter. 

XXXX XXXX XXXX, BENEFICIARY Without Recourse, All Rights Reserved
Product: Mortgage

Freedom Mortgage has not sent me my paperwork for my modification since XX/XX/XXXX was when I first applied for it. It is now XX/XX/XXXX and its still not here. I need the paperwork NOW. Also Freedom Mortgage practices deception when I refinance my loan they put in it I could not get rid of my FHA PMI for the life of my loan. I thought Freedom Mortgage had change they didn't they just got worse.
Product: Credit reporting or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 2682. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I was trying to buy a house and I looked at my XXXX credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 U.S.C 1681 ( e ) ( b ). 


And according to 15 U.S.C 1681 5 they are supposed to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to the 15 U.S.C 1681s-2 they are supposed to 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 account is inaccurate. Please remove t
Product: Credit reporting or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! CHILD SUPPORT ENFORCEM Account # XXXX  Inquiries XXXX XXXX XXXX XXXX XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I am wanting to know why my credit score dropped for a purchase that I made in the range of {$2900.00} on XX/XX/year>. My credit line is {$15000.00}. I paid the complete charge on XX/XX/year>. 

My credit score came down by 6 points.

I dont see why my credit score should have dropped at all. 

Its like I am being penalized for using my own credit / credit line. I was well below the 30 % usage that professional credit experts suggest to use. 

Please help me understand. 

Thank you.
Product: Student loan

XXXX was transferred to Mohela. I contacted mohela XX/XX/XXXXXXXX  to request a refund of loan payments made from XX/XX/XXXXXXXX  through XX/XX/XXXX. I received the payments made through mohela on XX/XX/XXXX. I was told because my other payments were made through XXXX XXXX, it could take 4 months to get my past payments. I continued to call and check in as my refund never came. I was told in XX/XX/XXXXXXXX  that my refund would be issued no later than XX/XX/XXXX. When this date lapsed and I still did not have my refund of {$38000.00}, I called mohela and they could not give me an expected date and told me to just call back in a few weeks. In the interim, despite not receiving my refund, mohela re-added the XXXX to my loan total. I believe they did not submit the refund requests on time as originally requested. As of XX/XX/XXXX I have not received my loan payment refund.
Product: Mortgage

I applied for 2 different mortgages from Cross Country Mortgage in XXXX of 2020. One for my primary residence and the other for my vacation home. The process was slow and arduous for both, but finally I closed on XX/XX/2020 on my primary home. As of XX/XX/2020 I still had not received a close date for my vacation home. Since I'd received no communication from my loan originator, XXXX XXXX, for weeks, I started looking for alternatives and found another loan at a much lower interest rate and fees. I reached out to XXXX with this information and asked for the status on my loan and if he would meet the other mortgage brokers 's commercial terms. 3 weeks went by with no feedback. At that time, I reached back out and told XXXX that I wanted a refund of the upfront fees that I paid. {$1100.00} for an appraisal and an HOA doc fee. These fees were never indicated as requiring to be paid upfront in my original loan disclosure or discussions. This came weeks after my loan was in process. I paid these fees in good faith that the loan would close, but never did. I was told by XXXX that he would refund only {$170.00} of the total since they actually overcharged be for a {$750.00} appraisal that only cost them {$570.00}. I have closed many, many mortgages over the past 30 years. This is the first time I was requested to pay any upfront fees. In addition, this was the absolutely worst mortgage experience of my life. Cross Country Mortgage and XXXX XXXX specifically mismanaged this process from day 1. There were constant delays, hand offs to new people, confusion about the status. I view their practices as fraudulent and am requesting assistance in getting my upfront fees reimbursed. By the way, the new loan I applied for on XXXX XXXX will be cleared to close by tomorrow.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX I filed a Chapter XXXX bankruptcy and in XXXX of XXXX I had to file a chapter XXXX bankruptcy due to being left with debt from a bad relationship. I contacted each of the credit bureaus and asked them to remove these 2 negative items early off my credit report since both are almost at the maximum amount of time that it can remain on my credit report. I also asked all 3 credit bureaus to remove all the late payments that related to me having to file the chapter XXXX bankruptcy since all of them are approaching the 7 year mark. Im asking for their removal because all are scheduled to be removed throughout this current year and I would like my full credit back and I have paid the price for these mistakes for long enough. I would like to buy a house this year and these marks will cause me to pay more interest than necessary. Im also still getting declined for unsecured credit cards because of all these negative marks. I feel that my credit history over the last few years has shown that I have overcome my previous issues and its unnecessary to keep punishing me for things that happened so long ago. I dont feel that its fair to continue to punish me and hold part of my credit hostage for such old items.
Product: Vehicle loan or lease

XX/XX/XXXX call them to mk a loan pymt at XXXX mil time, pymt was to be made from cking acct on file pymt didnt go though not my problem, want i want that late fee ref, also info them if i can get a lower rate as ins wasnt going to pay, car was in junk yard since XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously contacted Equifax on XX/XX/21 and XX/XX/21 about removing/Blocking/Deleting 3 accounts from my consumer report. 

Pursuant to the FCRA 15 USC 1681a ( 2 ) under the Exclusions section it states : The term consumer report does not included ( A ) ( i ) any report containing information solely as to transactions or experiences between the consumer and the person making the report. Also under the exclusions section in the FCRA, 15 USC 1681a ( B ) it states : any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Pursuant to TILA 15 USC 1602 ( k ) " The term Credit card means any card, plate, coupon book, or other credit device existing for the purpose of obtaining property, labor, or services on credit. Equifax has failed me as a consumer and violated my consumer right by allowing this information to continue to be furnished on my consumer reports, which has caused me great financial harm Also in response to my previous communications with Equifax, an investigation was allegedly administered. Pursuant to the FCRA 15 USC 1681a ( e ) it states : " The term investigative 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 with or who may have knowledge concerning any such information. However, such information should not contain specific factual information on a consumer 's 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 ''. To this date Equifax has never interviewed any of my neighbors, friends, relatives, or associates in relation to furnishing a consumer report in my name. Equifax has only received information relating to those accounts from the creditors and the creditors only which is another Violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I cosigned a consumer loan with another person. The remaining balance on the loan was {$3100.00}. The principal on the loan filed for XXXX XXXX  Bankruptcy in 2019 and listed the holder of the loan as a creditor in the bankruptcy plan. I was not informed about the bankruptcy and I later learned that I was not listed as a co-debtor in the bankruptcy. The XXXX  XXXX Bankruptcy plan was approved and the holder of the loan agreed to receive payments under the plan. 
I learned about the bankruptcy when I tried to get a loan a year ago. My loan application was rejected because of the bankruptcy. I requested a copy of my credit report. I was surprised to see an adverse entry on my XXXX credit report for that loan. I contacted XXXX by telephone and mail to protest the entry and to ask for an investigation. Subsequent to my request XXXX informed me that there was nothing they could do and that I needed to contact the lender. They have kept the adverse entry on my report. I contacted the lender by telephone and email but it will not take my calls or respond to my messages. 
I did not file bankruptcy nor was I listed as a co-debtor in the principal 's bankruptcy claim. The lender never contacted me to demand payment. Can a creditor adversely report a debt on a cosigner 's credit report without first demanding payment? Does a creditor lose its rights to demand payment from a cosigner when it agrees to accept payment on an owed debt under a bankruptcy plan? Should a cosigner on a debt, that is part of a bankruptcy plan, for which he is not a party, be subject to the same adverse credit report as the debt 's principal?
Product: Checking or savings account

Every pay period ( XXXX per year ), Security Service Federal Credit Union ( SSFCU ) holds the direct deposit from my employer, until the official payday, every other Friday, even if the money has already been deposited by my employer a day or two prior. 

SSFCU will allow debits against my account from XXXX  process on Wednesday or Thursday of the pay period, and charge me an overdraft fee of {$32.00} for each deficient transaction. 

I know that my employer has released the direct deposit on Wednesday or Thursday of the pay period. And can prove it! 

I believe SSFCU is intentionally holding my direct deposit so they can charge me as many fees for insufficient funds instead of releasing my direct payroll deposit when they receive it from my employer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with experian about an account that is not reporting accurate, I sent documents to them showing that its reporting incorrect they continue to report this information wrong
Product: Debt collection

3rd party debt collections company XXXX XXXX XXXX claim I owe debt that has aged off 15 years ago and are calling me while at work. I told them not to call me, and have added my cellphone number to the do not call registry.
Product: Credit reporting or other personal consumer reports

I submitted a dispute to have the hard inquires removed from my credit report to all three credit bureaus Equifax is refusing to remove this from my report, I have also filed a ( FTC ) federal trade commission identity theft report sent this along with the dispute. I contacted Equifax via phone about this matter on two separate occasions, once I was told the information on the FTC report was inaccurate, on the other occasion I was told the FTC report number ( XXXX ) was incorrect. According to 15 USC1681c-2 Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX  ) ( XXXX  ) ( AFTERPAY ) ( XXXX  ) ( XXXX  ) ( XXXX  ) ( XXXX  ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I received notification on my credit and a letter from XXXX XXXX XXXX XXXX that I have a XXXX medical debt from 2016. This debt is not true because I have had medical insurance for over 10 years. I requested a validation of the debt twice-once in XXXX and once in XXXX-to this date, they have not sent me anything regarding this debt. They use to call me to try to collect the debt, but after they received both of my request for validation and cease and desist letter they did stop. There are serious issues with this debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unauthorized hard inquiry on XX/XX/XXXX from Citibank Na., Best Buy. I did not authorize this inquiry. and i have had a credit card from Best Buy since XX/XX/XXXX. I attempted to call back and dispute it but i received a letter saying they could not find the inquiry. The inquiry is appearing on XXXX, XXXX  and XXXX from what I saw.