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

Letter was sent to Equifax dated XXXX in regards to permissible purposes Title 15 US Code 1681n. Equifax then sent a verification of identity letter, which I did answer ( I also put a freeze on my credit report ) after verifying my information and applying the freeze on my report, Equifax Never answered 15 USC 1681n. I then sent a certified letter to Equifax regarding method of verification XX/XX/XXXX received XX/XX/XXXX XXXX. Again Equifax could not locate a credit file. Equifax has violated several rights protected by the FTC. Equifax did remove some items on my credit report that were discharged in a  chapter XXXX bankruptcy BUT nothing further was done. My well being has been affected by this several times seen and unseen damages. I have tried several times to correct this. I have uploaded violations to be addressed, reason being is I have been ignored several times and willful non compliance has been committed against I the consumer. I ask that Equifax pay for violations, I ask that Equifax execute every condition that I the consumer have requested under the pursuant to Title 15 US Code Trade and Commerce within the laws of the United States of America and that Transparency ( Executive Order 13892 October 9, 2019 ) be enforced.
Product: Credit reporting or other personal consumer reports

In light of XXXX and XXXX response to my complaint through CFPB, 60 days is not an option. Theyve been receiving challenges and notices since XXXX or XXXX of this year and also had disputes they disregarded last year. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, credit reporting agencies are required to investigate disputes WITHIN 30 days of receiving a consumer 's dispute notice. They must complete the investigation, inform the consumer of the results, and provide a summary of their findings. If the information is found to be inaccurate or incomplete, they must correct it or delete it from the consumer 's credit report. THEY DID NOT DO THIS. I would like my requests to have said items removed to be honored and honored within the next 30 days according to the law by which the agencies are to abide and I know that they will.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning issue regarding the reporting of a debt collection to the Consumer Financial Protection Bureau ( CFPB ) by XXXX. As we discussed previously, the debt in question was incurred when I was a minor, and pursuing collections on such a debt raises legal concerns. 

Despite the legal implications, I recently discovered that XXXX has reported this debt to the CFPB, which has potential ramifications on my credit report and financial standing. I am deeply troubled by this discovery, as it suggests a violation of consumer protection laws and regulations. 

I want to emphasize the seriousness of this matter and the impact it could have on my financial well-being. It is imperative that immediate action is taken to rectify this situation and ensure that any erroneous reporting to the CFPB is corrected. 

I kindly request your assistance in addressing this issue promptly and advocating on my behalf with XXXX to remove any inaccurate reporting related to this debt from my credit file. 

Thank you for your attention to this matter, and I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not fair and doesnt do any investigation, they believe the big company without any evidence, XXXX XXXX XXXX  is trying to collect a debt and doesnt belongs to me they dont have any personal information about me, no social security number, no date of birth and no signature and the big deal here is that I disputed the wrong information with experian and experian damage my credit leaving this wrong information in my credit report, experian is wrongly giving the right to the big companies and is pushing down hard working people I think experian is doing fraudulent activity because they dont do any investigation and leave information that already was disputed and deleted, this account was already disputed before with a different collection agency many times I will upload last dispute and results ( XXXX and XXXX is the same ) please fix
Product: Money transfer, virtual currency, or money service

I am filling 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 vulnerable and unprotected. Furthermore, their dispute resolution proved 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

I have sent norms letter and file more then one complaint both XXXX and XXXX have removed this incorrect information from my credit but Experian has yet to answer. 

XXXX XXXX XXXX is not company that belongs to me and this should been removed from my credit report months if not over a year ago. 


Also this Hard Inquire still remains on my report XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XXXX to XXXX, Transunion, XXXX, XXXX XXXX  here are my tracking number XXXX however its been more than 30 days and the credit bureaus failed to send my investigation back this is not making since.According to the law 15 U.S code section 1681i- procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ) before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Credit reporting or other personal consumer reports

I want CFPB and TransUnion to Provide the Method of verification of the Debt
Product: Debt collection

I HAVE BEEN INVOLVED IN A CHAPTER XXXX BANKRUPTCY SINCE XX/XX/XXXX. IT WAS SUPPOSED TO BE A FIVE YEAR PAY OFF. WHICH WOULD HAVE ENDED IN XX/XX/XXXX. XX/XX/XXXX NATIONSTAR MORTGAGE LLC / DBA MR. COOPER SUBMITTED A SUPPLEMENTAL PROOF OF CLAIM TO THE BANKRUPTCY COURT. ( DOCUMENTS INCLUDED. ) MY ATTORNEY FORWARDED THIS TO ME. I IMMEDIATELY RECOGNIZED THAT MOST, IF NOT ALL OF THESE ITEMS HAD BEEN PAID. I HAVE REQUESTED MANY TIMES ( AT LEAST 10 TIMES ) DOCUMENTS FROM XXXX XXXX, NATIONSTAR AND MR. COOPER. THE DOCUMENTS THAT I REQUESTED ARE AS FOLLOWS : 1 ) COMPLETE HISTORY OF THE TAX AND INSURANCE ESCROW ACCOUNT.

2 ) COMPLETE HISTORY OF THE RESTRICTED ESCROW ACCOUNT ( INTEREST BEARING ) THAT HELD THE PROCEEDS FROM MY XXXX XXXX XXXX PAYOUT.

3 ) PAYMENT RECORD FROM THE BANKRUPTCY CT. CREDITED TO MY ACCOUNT.

4 ) YEAR END STATEMENTS AS REQUIRED BY LAW OY MY ACCOUNTS.

AS OF THIS DATE THEY HAVE NOT FURNISHED THESE DOCUMENTS TO ME. AND I NEED THEM TO COMPLETE MY BANKRUPTCY CORRECTLY.

ALSO, I HAVE NEVER MI9SSED A PAYMENT TO THE BANKRUPTCY COURT IN THE 7 ( YES I SAID SEVEN ) YEARS THAT I HAVE BEEN DEALING WITH THIS. THIS CAN BE CONFIRMED WITH THE COURT AND I CAN SEND YOU A PRINT OUT OF THEM.

THE SUPPLEMENTAL CLAIM WAS LATER WITHDRAWN ( SEE DOCUMENTS ) ON XX/XX/XXXX BUT THIS HAS CAUSED MUCH CONFUSION, EXTRA ATTORNEY FEES, AND A LOT OF EXTRA TOME ON MY PART TO STRAIGHTEN THIS MESS OUT.

THE MORTGAGE COMPANIES CAUSED ME MAJOR TIME AND EXPENSE. I COULD NOT DO MY TAX RETURNS, WHICH ARE REQUIRED BY THE COURT, BECAUSE THE DID NOT SEND ANY YEAR END STATEMENTS UNTIL THIS SUMMER. I FINALLY HAD TO GET APPROXIMATE FIGURES FROM OTHER SOURCES TO DO THE RETURNS FOR THE COURT. THIS COULD HAVE CAUSED A " DISMISSAL ''. WHICH WOULD HAVE MADE THE LAST SEVEN YEARS OF MY PAYMENTS AND EXPENSES FOR NOTHING!

THEY HAVE ALSO ILLEGALLY TAKEN THE MONEY FROM MY RESTRICTED ESCROW ACCOUNT APPROXIMATELY {$23000.00}, WITHOUT MY CONSENT.

MORTGAGE COMPANIES ARE REQUIRED BY LAW TO KEEP ACCURATE RECORDS AND FURNISH COPIES OF DOCUMENTS TO THE MORTGAGE HOLDER. ALL THREE OF THEM HAVE TOTALLY DISREGARDED THIS FACT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly ( 30 ) plus days late on the XXXX XXXX partial account numbers XXXX. ( Please see pages 3, 4, 5, 6, and 7 of the attached credit report. ) These accounts are reporting the ownership status as joint. These accounts do not belong to me. I have attached documents of the relevant paragraphs from our divorce decree pertaining to the ownership of the mortgages which clearly show ownership of the properties as the responsibility of my ex-husband. Please see Paragraph 18 ( a ) and 18 ( b ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX stating 100 % ownership of these properties is allocated to my ex-husband wherein he is solely responsible for the mortgages and other debts and liabilities associated with these properties and he shall indemnify myself ( XXXX ) with regard to same. This incorrect reporting of these accounts is harming my credit score and these line items need to be removed from my credit report.
Product: Debt collection

XXXX XXXX XXXX IS ATTEMPTING TO COLLECT A DEBT BY USING AN INTIMIDATION tactic by placing the UN-VALIDATED collection on my report. Under the law, they are NOT suppose to do that! That is considered collection activity! This Debt needs to be deleted immediately. I have NO signed contracts with them OR THEIR CLIENT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notice there was an unauthorized account reported on my consumer report. I have reach out to XXXX and also reached out to XXXX about my concerns about the following account which is XXXX XXXX Your agency has furnished this account that is Identity theft after I have contacted your agency about this matter according to FCRA I am entitled to monetary compensation 15 U.S. Code 1681c-2 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 over 30 days and you are in VIOLATION of this law because I am a victim of identity theft Please delete these items IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not authorized these inquries listed on this report. This is fraud
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I was current and XXXX XXXX XXXX XXXX until COVID 19 hit, XXXX XXXX  was closed and I had a great reduction in income I have been in the forbearance but it ended and I was approved for a deferment then I was service transferred. My understanding was I would be current but I was told yesterday I am behind due to the time lag it took for Fay servicing to get my loan updated and in the mean time Fay servicing would NOT accept payments I can afford to make normal mortgage payments but cant reinstate the loan or afford a higher payment, please put the payments in the loan so I can be current and keep my home I AM NOT receiving unemployment My other property that has the exact same situation located at XXXX XXXX XXXX XXXXXXXX GA serviced by Fay Servicing with loan number XXXX was approved for a repayment plan I have the exact same financials used for both but the normal payment for XXXX XXXX XXXX is {$390.00} and the normal payment for XXXX XXXX  is {$560.00}. Please re review my loan for the repayment plan as it should be qualified more than XXXX XXXX  was with a higher mortgage payment and same delinquency as both were current when COVID 19 started I and my wife are XXXX XXXX XXXX XXXX who served in combat in XXXX and we want to avoid foreclosure and keep the home.
Product: Debt collection

Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX for Erroneous Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Phone : XXXX XXXX, XXXX Consumer Financial Protection Bureau To Whom It May Concern, I am writing to lodge a formal complaint against XXXX, a student loan servicing company, for an error in reporting my payment history to credit bureaus, which has unjustly damaged my credit score and financial standing. This complaint details an issue that occurred around XXXX and has continued to adversely affect my credit history to this date. 

In XXXX, I was in communication with XXXX to arrange for a deferment or an alternative payment plan for my student loans, as my existing deferment period was nearing its end. After diligently ensuring that all necessary steps were taken to secure the deferment, I was dismayed to discover approximately a month later that my credit score had plummeted by over XXXX points. Upon investigating the cause, I learned that XXXX had reported a missed payment to the credit bureaus. This was not just a single report ; because my debt was fragmented into over XXXX separate accounts, it appeared as though I had missed XXXX payments concurrently. 

I immediately contacted XXXX to address this discrepancy, as I had not missed any payments and had taken all the appropriate steps to ensure my account was in deferment. Despite acknowledging their error, XXXX refused to rectify the misinformation reported to the credit bureaus. This erroneous reporting has persisted in affecting my credit score negatively, despite my efforts to resolve this issue and maintain a punctual payment record post-consolidation of my loans. 

The impact of this error on my credit history is profound and unjust, considering that the fault lies entirely with XXXX 's mishandling of my account information. It is crucial for my financial wellbeing that this error be corrected, and the erroneous late payment reports be removed from my credit history. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and investigate this matter. I seek the removal of the incorrect late payment entries from my credit report and any other necessary corrections to ensure that my credit history accurately reflects my payment record. 

I am prepared to provide any further information or documentation as needed to assist in the resolution of this complaint. Thank you for your attention to this matter and for your assistance in rectifying this significant issue. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting

I 'm very disheartened as my SS # was used to obtain credit by an unknown party. This occurred over 14 years ago. I spent a year clearing my name and the accounts were removed from my file however, the names that the individuals used ( not mine ) are still attached to my report. This is such an injustice to me and my family as it appears that I have several alias names. After trying for years to have the names removed, it seems that I can not. I do not have the key information attached to the accounts ... some accounts were used to purchase cars and obtain loans, using my SS # and a variation of names, all of which were obtained using my good credit. I discovered the theft with the assistance of my banker as she came across the names during a banking transaction ... further research showed that there were unpaid parking tickets in a different state. The car was traced back to me ... for which I did n't own. The car loan was obtained using my SS #, someone else 's name and a XXXX XXXX in another state. The car loan had been paid in full but the car was listed using my SS #. The police determined that the suspect was most likely a car dealer for which my husband and I had purchased a car from. The dealers last name was used in addition to variations of my first name ... the list of jobs associated with those illegally obtained credit reports are extremely old and were places that I had worked as a teenager ... I 'm XXXX and am a professional with a successful career and yet, some low life car dealer destroyed my credit, caused me to live a year of XXXX and yet, his name is attached to me forever? Why will no one remove the names? I just feel like I 've been violated all over again when ever I see those names on my reports ... having to explain to bankers, employers and showing the police reports after all these years just to prove I 'm the victim just seems cruel to me. Why can no one remove the names from my report? It 's not like there are accounts still pending ... that 's all been cleared ... it 's the names that are with me that I ca n't seem to shake. Please advise ... I 've tried everything but I do n't have any information left to even dispute ... there are no accounts, just some crazy names stuck to me like a disease. Am so frustrated ... even after all these years ... What 's really maddening, I do n't even need to apply for credit but the fact that a thief is tied to my good name infuriates me. 
Any help or advice regarding the removal of fictitious names would be a blessing. 
Thank you!
Product: Credit reporting or other personal consumer reports

I had an issue in late XXXX with someone using my personal information to open a Citizens Bank debit card and then trying to withdraw {$10000.00} from it after attempting to transfer from another account from a different bank. I reported this incident to all agencies. 
In XXXX, I received a Citizens Bank Mastercard in the mail that I did not apply for. I called them up to let them know I didn't apply and asked how this could have happened since I had placed a freeze after the last incident. They mailed me a letter stating that I needed to provide documents containing personal information ( Valid government photo ID, proof of residency, emails/written notifications I received ).
Product: Credit reporting or other personal consumer reports

I am deeply disappointed by the presence of inaccurate and undocumented information on my credit report. Claims lacking proof of validity, such as delinquency allegations, are unsubstantiated and challenge their reportability. It is imperative, in compliance with federal and state laws, to accurately and completely report allegations without violating regulations. I urge you to ensure factual and correct reporting, as required by the XXXX XXXX reporting standard. Please provide verifiable physical evidence to support the account 's existence and permissible usage. If unable to do so, I insist on its removal from the report. I grant authorization for you to send physical documentation of your actions and an updated credit report. 

Your agency is in violation of the law! According to 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) specifies that no consumer reporting agency may include any adverse information in a consumer report, other than records of convictions of crimes, that is older than XXXX  years.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ), it is stated that a person shall not furnish any information related to a consumer to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Delete this information immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acct : XXXX, XXXX XXXX  XXXX have 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 an account without my written instructions
Product: Debt collection

In accordance with Section 392.101 of the Finance Code, a third party debt collector or credit bureau may not engage in debt collection unless the entity has filed a {$10000.00} surety bond with the state. The bond must be issued by a surety company authorized to do business in Texas.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions my credit was ran with companies without my consent and knowledge.
Product: Debt collection

I receive a phone call from this number at least once a day, while I am at work. They do not leave a voicemail stating what they are calling for, they just continuously call every single day.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX XXXX acct # XXXX XXXX : acct # XXXX XXXX XXXX  : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXX  : acct # XXXX XXXX XXXXXXXX XXXXF : acct # XXXX XXXX XXXX  XXXX : acct # XXXX XXXX XXXX : acct # XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX XXXX XXXX XXXX XXXXXXXX : acct # XXXX 15 USC 1681 a ( 2 ) - consumer reporting agency may furnish a consumer report under circumstances in accordance with written instructions of the consumer to whom it relates.

15 USC 1681 section 602 A- states I have the right to privacy.

15 USC 1681I- Reinvestigation is required