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

EWS failed to provide a 100 % accurate and verifiable investigation, I requested that they DO NOT USE a XXXX system and provide the necessary documentation in compliance with the law. EWS instead sent letters stating they couldn't retrieve the necessary documentation, but continued to verify the fraudulent accounts anyways as 100 % accurate and 100 % verifiable which is false and a major violation for each occurrence. I am requesting for EWS to fully 100 % comply to the law not comply 50 % of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Dear Equifax I have previously disputed this item with you US BANKRUPTCY COURT- Case or ID # XXXX and in response you verified the item as accurate, stating that you have verified the information. Please I am requesting another investigation to be done due to I have a new information that this is not reporting 100 % accurately and complete. 

Public Record : US BANKRUPTCY COURT- Case or ID # XXXX Reason : This account belongs to someone with a similar name. 

Please send me an updated copy of my credit report after this item has been removed and deleted as required by FCRA law. 

Either way, the reporting requirements do not comply with the FCRA 611 ( 15 U.S.C. 1681i ) and the information must be deleted immediately. 

Thank you, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

During our entire time with XXXX we had automatic payment deduction. Each month the monthly amount due was deducted from my checking account. At the conception in XX/XX/XXXX we paid {$200.00} and {$400.00}, which we were told was the first month due and the fees. So we started out current and then every subsequent month we had our amount due automatically deducted. We cancelled service in XX/XX/XXXX, due to our move to a different town. We chose not to stay with with XXXX. Our regularly scheduled payment came out in XX/XX/XXXX. 
I received a call in XXXX XXXX advising I had an amount due, to which I explained I should not. I walked through the payment history with her. She insisted it was correct. Rather than argue I paid the amount she claimed was due. Again believing this would settle my account. 
Then I received a notice from a collection agency stating we had an amount due which was what I paid in XX/XX/XXXX. I called and explained it is not due, ran through the payment history. Mentioning the extra payment I made in XXXX, showing there is absolutely no way monies could be due. They said they would research. I did not hear back so concluded the matter was settled. Now I see the charge of {$130.00} from collection agency IC System is outstanding. I disputed the charge and received no resolution.
Product: Credit card or prepaid card

I sent letters to all three major bureaus the date of the last letter to XXXX  was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means 3 Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical bill was incorrectly submitted by a medical provider. In return, the medical insurance company twice processed the medical bill incorrectly. This resulted in the medical bill not being paid. I contacted the medical provider and the insurance company from XX/XX/XXXX to XX/XX/XXXX regarding this medical bill. On XX/XX/XXXX I was told by the Medical company that they notified the credit bureau to have the account removed. I talked with the insurance company who agreed to process the claim, however, indicated that it would take another 3 weeks before being resolved. On XX/XX/XXXX, the debt still had not been removed from my credit report. I contacted XXXX numerous times. On XX/XX/XXXX I disputed the debt verbally. Because the representative could not understand or refused to understand English, I attempted to dispute the debt online. The website was not functioning properly and I could not dispute the debt. I tried to fax proof that the insurance paid the debt and to send a letter from the creditor showing that the debt was to be removed. I found out later that XXXX fax machines had issues. I contacted the credit agency and later found out that they did not notify XXXX until XX/XX/XXXX as opposed to XX/XX/XXXX. Finally, I was able to fax successfully to XXXX. As of XX/XX/XXXX, the debt remains on my credit report. My credit line from XXXX was reduced as a result of this debt.
Product: Debt collection

XXXX, XX/XX/2016, amount XXXX . 

I went Into the XXXX store before they sent the debt to collections. I wanted To make a payment and reconnect service. They said i couldnt And wouldnt let me get a new phone because of the history i had With them. They said they would soon send it to collections where i can Work out payment plan with collection company and possibly get a new phone when i pay Off debt.
Product: Mortgage

In XX/XX/2019, we had closed on a new mortgage for our property in XXXX XXXX, MA. The closing went fine and the initial mortgage was set up properly with the broker that we had used - XXXX XXXX in XXXX, MA. 

XXXX sold the mortgage to NewRez LLC shortly after the mortgage closed. The mortgage was transferred over and we got all of the new account information. And we continued to make our monthly payments on-time. 

On XX/XX/XXXX, I got a call from the Town of XXXX informing me that my property tax had not been paid and was past due on XX/XX/XXXX. 

Upon doing some research, I discovered that NewRez had the property address incorrect on the mortgage account. Instead of correctly noting - XXXX XXXX XXXX, XXXX XXXX, MA they had my primary residence listed - XXXX XXXX XXXX, XXXX, MA. This error in the NewRez system created a number of problems for me : 1. NewRez did not pay the property taxes out of the funded escrow account 2. NewRez had sent out 1098 tax forms with the incorrect property address listed 3. NewRez had contacted XXXX XXXX insurance to change my homeowners insurance with the incorrect mortgage accounts. 

I have called NewRez a number of times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) to make them aware of their error and work to get everything corrected. To date the only change they have made is to list the correct property address on the account. 
I am still waiting for them to : 1. Pay my property taxes ( now 22 days late ) 2. Send me corrected 1098 forms so I can file my taxes 3. Have a supervisor call me to inform me why this problem occurred in the first place. I have asked for a callback now 3 times and each time am promised that I will get a call within 24-48 hours with no response Throughout the process of trying to get them to correct their system errors, I have spent hours of my own time, I have been routed to the wrong agent multiple times, I have been been given incorrect information, and I still have not received a call from a supervisor. 

Please help to get NewRez to do their job and service my loan correctly.
Product: Money transfer, virtual currency, or money service

I opened CFPB case # XXXX. It was assigned to XXXX XXXX ( sp? ) at XXXX XXXX with the office of the CEO with USAA. XXXX was very rude to me and stated that she had the authto close my claim when I asked to speak to her supervisor, and askedfor another personbe assigned to my claim ( I felt that she was behavingin a biased way toward me ). She ( XXXX ) said that she had no supervisor and that she was the sole authority in reviewing my claim. The Depository Agreement and Disclosures provided by USAA ( attached ) did not disclose that they had the right to hold EFT funds due to overdraft on a debit card. Tje doc provided by USAA stated on page 28 that " EFT funds are posted on the day they are received. '' Please note : These terms and conditions are dated effective XX/XX/2024 - after the XX/XX/2024 incident yhat I'm reporting. I forwarded the control numbers from the originating bank ( XXXX XXXX XXXX ), showing that USAA had the funds as of XX/XX/2024 but USAA would not accept this information or override their automated hold of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit file with transunion I noticed they had marked one of my accounts as a derogatory when it is not. 

The account had been paid on time with no late payments and reflects that. 

XXXX and XXXX are showing account as Paid which is correct. 

The name of the account is XXXX XXXX XXXX Please have Transunion update their records. This is hurting my chances when applying for credit. 

Thanks you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam, It is with great spirits for a prosperous 2023 that I hope this email finds you. For me it is very exciting to be a Citibank customer. Aside from a checking and savings account, I also opened a XXXX XXXXXXXX card. 

The Citi app provides, as a courtesy, an update report on ones XXXX score. As I closed a XXXX XXXX XXXX card recently, my score experienced an enormous drop last month. 

On a greater level, I opened these accounts to develop a stronger relationship with Citibank. The app identifies XXXX as being the source for the score. However, when reviewing my consumer file, with this agency, my Citibank credit card is not reporting. 

Credit reports sometimes contain information that is inaccurate. However, a scenario in which missing positive information has now presented itself. And it is to this agency that subsequent scoring models are used by Citi in considering future offers. 

After reaching out to XXXX and spending quite some time on hold, and escalating this to a supervisor, they delegated this back to the lender ; in this case Citibank. 


The mission of Citibank has been to engage in good business practices that protect consumers, and their access to credit. Can you kindly look into this and please see to it that the account is properly reported, along with prior months, along with future ones as well, and provide an update? 

Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my consumer report, and I was astonished to find an unauthorized inquiry made by XXXX XXXX on XX/XX/2022 listed on my Experian consumer report.As a consumer, I would like to bring to your attention the following federal law:15 USC 1681b - permissible purpose of consumer reports, which clearly states : ( b ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.The law is clear that a consumer reporting agency may furnish a consumer report with written instructions from the consumer. I would like to reiterate that I have not given you any written instructions to allow this inquiry on my consumer report.Therefore, I kindly demand the deletion of this unauthorized inquiry made by XXXX XXXX on XX/XX/2022 from my Experian consumer report. Failure to comply with this request will result in legal action taken against Experian for willful noncompliance under the Fair Credit Reporting Act.Sincerely, XXXX XXXX XXXX
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. 

Under Section 611 of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation of disputed information and correct or delete information that can not be verified. It is evident that Experian has not complied with this requirement.
Product: Debt collection

15 U.S.C 1681 section 602 A. : States that 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 permission in written instruction.

15 U.S.C 1692 C : Without the prior consent of the consumer given directly to the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was disputed with the credit reporting agencies. They verified it and it's wrong. I'm uploading proof of this information. Also I have wrong addresses on all three of my credit reports that are still showing. I've called Experian and XXXX  and haven't received nothing in the mail. Only XXXX. I would like for this is be updated and for this account to come off of my report as It's not 100 percent accurate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically CashApp 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, 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 or other personal consumer reports

Dear Acima Credit Team, Re : Dispute of Late Fees on Loan Account ( XXXX ) I hope this message finds you well. I am writing to formally dispute the late fees that have been charged to my loan account, which I obtained through XXXX XXXX. It has come to my attention that these late fees were applied incorrectly and should be credited back to my account. 

The impact of these late fees has significantly affected my financial situation and has created undue stress, which I believe could have been avoided had the fees been assessed properly. As I have always strived to keep my payments in good standing, I kindly request that the late fees be either fully credited back to my account or, as an alternative, that you consider covering the full amount of the loan. 

I would appreciate it if you could review my account and the corresponding charges and respond to me at your earliest convenience with a resolution. I look forward to your prompt action on this matter and hope to resolve this issue amicably. 

Please contact me at [ ( XXXX ) XXXX ] or [ XXXX ] for any further details or clarification. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNT and INQUIRIE that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNT and INQUIRIE from my credit report. 
ACCOUNT : XXXX XXXX XXXX XXXX
Product: Debt collection

Sun Loan of XXXX XXXX, NV off XXXX XXXX has been repeatedly calling me all 7 days a week, sometimes twice a day and calls from their personal phones. But here is my issue in dire specific : They chose to call my parents, who are not on the references list. With this being my second loan from them, references staying exactly the same with updated addresses, they chose to violate my privacy by calling family members who are not on my references list, nor, according to both my parents, never received a call from them from my first loan when that loan was past due like this one. Interestingly, because I've actually answered them and gave my explanation, to implore negligent debt calling tactics to where not one of my references received a call, let alone an actual voice-mail like they did today on my mother 's phone and my uncles phone but not my phone, nor any of the references i have listed, not once, is gross negligence for any company to do. Considering, again, this being my SECOND loan from Sun Loan XXXX XXXX XXXX XXXX off XXXX XXXX, this debt collecting tactic is unacceptable and I will pursue legal action. 

( Some would ask : How do you know its their personal numbers? Well, when it's XXXX and ALL phones now come with scammer warnings and personal cell phones do not have that for people you don't know but can only be for landlines in that case and so this leads to an accidental phone answering, who is it on the other line? Of course it's them because they knew you would pick up a call by a phone number that's a personal number that resembles a number close to yours or the store number. So yes, what Sun Loan is doing for debt collecting is illegal. And again, especially since this is my SECOND loan. So whatever tactics these are, they are DEFINITELY illegal. )
Product: Credit reporting or other personal consumer reports

I want the immediate cessation of the reporting of all my XXXX XXXX credit card accounts on all my credit reports. I make this request based on the law 15usc6802. This law clearly states that for any financial institution to disclose my information to any third party, they must get permission to do so and that I have the right to opt out of such disclosures and that I must be provided with information of how I can opt out of such reporting. I never got a disclosure of how I can opt out of such reporting, and I never gave XXXX XXXX permission to disclose my information to any third party, including credit bureaus. I therefore seek the immediate cessation of reporting XXXX XXXX on my credit report. I have attached a copy of the law below : 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

End of quote. 
Kindly cease the reporting of XXXX XXXX on my credit report. I am exercising my rights to opt out of such reporting. I have also attached a copy of the law in the file attached.
Product: Credit card or prepaid card

Bank of America is the bank that manages my California Unemployment Benefits Card. BofA blocked my card onXX/XX/XXXXbecause I returned a home appliance originally purchased with the card - the credit registered with them as fraud XXXX it is not ). My card is now closed and I can not access the {$10000.00} on my card. I have been on hold at Bank of America for 5.5 hours so far today trying to clear the issue. Their system has hung up on me over 8 times. I am put on hold for over an hour at a time, and then the BofA system ends the call - I have to call back in and start at the beginning of the process all over again. I asked to speak to a supervisor in the fraud department to try to get help and I was told the supervisors were all going into a meeting but someone would be back with me. That was over an hour ago. Bank of America is making it impossible for me to access my funds. This is honestly boarding on criminal and abusive treatment by the bank.
Product: Credit card or prepaid card

Card was obtained by someone against my will online and I am just now aware of it when I checked my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute is now at 55 days and still open. 
Confirmation number : XXXX See photo taken today XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$510.00}
Product: Credit reporting or other personal consumer reports

The XXXX XXXXXXXX credit card was paid off and I requested to close the account. I spoke with XXXX XXXX and they cant even find the old account. Please remove it so my profile will reflect the correct information.