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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX , OH XXXX Dear agency I am writing to formally dispute a late payment reported on my credit file associated with my account number XXXX I have identified several inaccuracies related to this account that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i ( 5 ). According to these provisions, all information on my credit report must be accurate across all three credit reporting agencies. Since the reported information does not meet this standard, I request that the account be updated to reflect accurate information or, alternatively, that it be removed from my credit report. Moreover, you have violated 15 U.S. Code 1666b - Timing of Payments, as you never sent me a letter 21 days prior to reporting a late payment. By law, I am entitled to update or remove late payments or delete this account from my credit report. Despite my previous attempts to resolve this matter, your agency has continued to verify and update the account without correcting the inaccuracies. Therefore, I must inform you that if my request is not fulfilled within 30-45 days, I will pursue legal action to seek damages of {$1000.00} for each inaccuracy reported on my credit file. Please treat this matter with urgency. I expect a prompt response confirming the deletion of this account from my credit report. Thank you for your immediate attention to this important matter. XXXX XXXX XXXX.
Product: Mortgage

I got this home in 2019 and moved in and my payments were affordable but after my children didnt go back to school i had to buy more food more house hold items plus computers for there work and get the internet which it is higher in our area due to us being at the location that we live in. well the mortgage company went up XXXX XXXX extra dollars on my note. That was a bit to much so i fell farther and farther behind, now they are trying to take my house. I have XXXX children and its been hard on me. There father got XXXX in a XXXX XXXX  and its been very hard on me because im all they have and Im trying my best but being a XXXX XXXX  and trying to maintain the well being of my children is hard. I really need the help to get back on my feet. i havent been in a bad situation like this before but what i do know is that if i could get the help it will be greatly appreciated. Thank you for your time a patients to read this.
Product: Mortgage

My mortgage company 's Attorney failed to send crucial and extremely important documents to my husband and myself. This despicable tactic took place both in XXXX and XXXX of this year. While in the middle of a judicial court battle, this attorney certified that on XX/XX/2019, a true and correct copy of the Memorandum of Opposition was served by U.S. Mail, first-class postage prepaid, to my husband and myself at our address. These documents NEVER arrived in the mail. When we inquired of this attorney, she claimed she was not required to send these documents as certified mail, which would have the ability to be tracked. She stated in an email, the following, " The package gets prepared and then sent to our clerk to mail out. It goes out via regular mail. It is not anything I can track. I do have the pkg I scanned in and sent for mailing, along with my signed certification that it was mailed out. There wouldnt be anything else I can provide youas it is not certified mail, nor is it required to be. '' This despicable tactic again took place on XX/XX/2019, as this attorney certified that a true and correct copy of the Motion for Summary Judgment was served by U.S. Mail, first-class postage prepaid to both my husband and myself. Once again, these documents NEVER arrived in the mail. When we again contacted this attorney as to why she never sent these documents to my husband and myself, she stated in an email, the following, " Here is a copy of the Motion for Summary Judgment we filed, mailing certificate on page 78. Certified mail is not required, only regular mail is. I dont have tracking I can provide you, all that is required is the certificate of mailing. '' Ironically, these documents arrived to our local court with no issue. It would be literally impossible for all 4 of these mailings to have been lost in the mail which were SUPPOSEDLY sent separately to my husband and myself. The XXXX mailings were 79 pages. The type of packaging these 79 pages would have required should have a bar code and should be very easy to track through the postal service if they had in fact been mailed.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 
Depending solely on your flawed XXXXr system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditorXXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 measure to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution proceed 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 card or prepaid card

Someone had possession of my card during the very end of XXXX and beginning of XXXX without my permission and used it to make purchases until it reached it's card limit. I did not receive an alert from Capital One regarding the charges, so as soon as I found out on my own I called them immediately. This was about two months ago ... They credited my account for all the fraudulent transactions that had taken place but then turned around and rebilled me for them. I was and am still infuriated ... 

I just received a letter in the mail today dated XX/XX/XXXX from Capital One, stating that after researching my case, they quote un-quote found " insufficient evidence of fraud '', because " information they discovered led them to believe that me or another account user benefited from the transactions. '' Lol. First of all, there is no other account user. There is no authorized user on the account, nor have I given anyone permission to use the account. Second, information they discovered?? What is this quote un-quote " information they discovered ''?? Of course they failed to mention that. But based on what they said following that statement, " led us to believe '', this apparent information they discovered did not prove that I used the card, nor that someone else had my permission to use it. 

Another thing they stated which proves they have no validation I used the card -- " you or another account user '' ... Sounds like they don't even know who used the card!! If they choose to investigate fraud, finding out specifically who used the card is supposed to be part of their investigation!! The fact there's even an 'or ' in their statement when referring to who used the card, proves they improperly investigated, or didn't even investigate at all!! 

Clearly Capital One has insufficient evidence of their argument that there was no fraud, and I am NOT responsible for the charges they rebilled me for. 
Therefore I refuse to pay for them. So they need to re-credit my account again or I will inform the credit bureaus of what's going on and also the debt collection agency that will be one day be calling me on behalf of Capital One regarding the charges ... 

Again -- I am not paying for these charges because I am not responsible for them as I did not make the purchases, and I consider this matter closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting XXXX XXXX acct # XXXXXXXX XXXX XXXX  acct # XXXX, XXXX XXXX acct # XXXX, XXXXXXXX XXXXacct #, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX 's acct # 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: Credit reporting

Hello! 
My SSN is : ***********I have disputed repeatedly with XXXX bank, the history regarding my charge-off. They are still reporting it showing past due {$1100.00}, even though it is a charge off. I have been told this is incorrect, ad they will not remove past due status. 

In addition, there is an item with XXXX XXXX XXXX, regarding a vehicle that I had voluntarily reposessed. The item in question is not showing a proper balance charged off I owed over {$4000.00} on this vehicle and was only given credit of just over {$1000.00} when they sold it. Extremely unfair practices, and this was not explained properly when the vehicle was reposessed.. 
In addition, there is an item for XXXX which is incorrect. I have been harassed repeatedly by XXXX very nasty collection agencies. I am being charged for equipment I returned and amount is completely incorrect. I do not owe this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

SUBMITTED A DISPUTE for an account with a {$200.00} balance WITH TRANSUNION ON XXXX XXXX 2017 SUPPOSE TO BE COMPLETED BY XX/XX/XXXX. I CALL THE CUSTOMER SERVICE NUMBER FOR transunion AND THEY REFUSE TO TALK TO ME ABOUT MY ACCOUNT BECAUSE MY ADDRESS IS WRONG IN THEIR SYSTEM. DISPUTE HAS NOT BEEN ANSWERED.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 


XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I initially sent a dispute as the info on my Equifax Credit Report is inaccurate as it related to a Chapter XXXX Bankruptcy. I received notice back they the information was verified and it listed it as being verified through the courts. I knew the filing dates were inaccurate so I pulled my file and sent supporting information and sent to the bureau. They still sent me back " Item Verified '' Therefore, they claimed to have gotten the information from the Courts and when I reached out to them ( the Courts ) they advised that they do NOT supply information to Credit Bureaus or XXXX party agencies. To better assist you guys in your research I have attached supporting documentation as it related to the bankrupty listed on my report ( s ) showing a filing date of XXXX/2016 not XXXX/2016 as reported to the credit bureaus. With that being said, it is my understanding since they are reporting inaccurate information this MUST BE DELETED as per FCRA 623 ( a ) ( 5 ) : " If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file ''. If you look at the attachment I have attached you will see clearly that the filing was completed on XXXX 2016.. This items should be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately XX/XX/XXXX and before this date there have been other appeals to and in regards to this matter I have submitted letters to TransUnion and XXXX  about credit errors and improper information on my credit report. I have filed reports with FTC and police reports to validate my claim and sent the necessary paperwork to TransUnion and XXXX. However, TransUnion and XXXX continuously sends me computer generated responses stating that they have validated that the account in question which is a Chapter XXXX Bankruptcy listed in XX/XX/XXXX is accurate, along with other accounts XXXX XXXX XXXX which doesn't contain the correct address/incorrect spelling is a direct violation of FCRA, XXXX XXXX, and XXXX  XXXX XXXX. I have made several phone calls and have talked with different representatives and fraud department officials in regards to this matter and nothing happened. I also have contacted the creditors themselves in an attempt to resolve these issues and they could not and have not submitted proven to me with original copies of my signatures for these above mentioned accounts in months. This is a total disrespect and it is the main reason for me not being able to qualify for a mortgage. I have hired an attorney and he instructed me to file this report before proceeding one last time. I demand proof. If not, remove these accounts not just computer generated letters. I do not accept them.
Product: Credit reporting or other personal consumer reports

I disputed this account last year and showed proof it was a fraud account. It was verified and deleted. Now a new collection agency put it back on my account with no proff it belongs to me.
Product: Checking or savings account

Social Security sent my monthly SSI payment to Chime Financial on XX/XX/XXXX and I still have not received it in my account on the XXXX. This has made me late on bills and unable to buy food.
Product: Credit reporting, credit repair services, or other personal consumer reports

My monthly payment has been on time for 4 years now, but it still shows delinquent on my credit report.
Product: Debt collection

Received a letter early XXXX and phone calls on XX/XX/XXXX. Requested on the phone that day to send an itemized bill, I never received it. Went online and sent in a contact request asking for an itemized bill about a week ago, I still never received it. Got a robot phone call on XX/XX/XXXX asking me to pay the bill, didnt get to speak to a person to ask for the itemized bill. Also sent in another contact request asking for the itemized bill on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have requested a XXXX for a XXXX XXXX account that is listed on my credit profile that is listed by the original creditor as charged off.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX Ga XXXX XXXX
Product: Checking or savings account

I had already submitted a claim for this issue ( CFPB Claim # XXXX XXXX, wherein the company claimed to have credited my checking account on XX/XX/26 for {$75.00}. In fact no such credit was ever made to my Sofi checking account number XXXX.
Product: Credit reporting or other personal consumer reports

According to XXXX this account must be removed promptly. It's making me XXXX to see it on my credit report when it's not even my account. I strongly request the company to remove it quickly.
Product: Credit card

I have been making partial payments that CapitalOne agreed on since 2019. Yet, they are still reporting the accounts as chargeoffs. My credit score is XXXX as CapitalOne is making a negative report. I asked them to change the reporting as I have been making those payments every month, but they are refusing. 

The XXXX accounts are : XXXX : XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

9 inquires on my credit was not authorized. I tried to resolve the issue with Equifax and the company, but the inquires have not been resolved properly
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a unauthorized and unrecognizable account on my credit report on XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX  Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX  on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX  XXXX  on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX XXXX Balance : {$580.00}
Product: Mortgage

I informed my mortgage or loan servicer PHH that I was the successor in interest due to divorce. I requested to assume the loan on more than 1 occassion. I just sent a letter again to them that I request the same thing once again. The letter was faxed to their escalations department/ research dept on XX/XX/XXXX. I am attempting to avoid foreclosure by requesting to assume the loan once again due to divorce. The former spouse states via email and in open state courts he wants nothing but to be released from the loan. So with his requests this Substantiates my successor in interest to the mortgage to remove him from the loan. Phh already has the divorce decree. Divorce happened in XXXX. The co borrower has not paid on the mortgage since XXXX. Once assumption is approved I can then modify the loan in which to bring my loan current.