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

I am a victim of identity theft as my social security number and my driver 's license has been compromised and there have been multiple unauthorized accounts opened under my name on my credit report. I have filled out an identity theft victim complaint and affidavit but am waiting for my new driver 's license in the mail in order to get it notarized. I have also been advised to file a police report, which I may file once I receive my new license in the mail. I have disputed multiple fraudulent accounts being reported on my credit with Experian, XXXX, and XXXX. The only bureau that has done right by my request/demand is XXXX. I am including a copy of my most recent XXXX credit report with the most up-to-date information. I am requesting that Experian and XXXX review the XXXX credit report I am attaching to this complaint and update my credit report EXACTLY how XXXX has done so! 

I am also attaching a subsection of the FCRA to justify these changes. 

Since XXXX has met my demands of updating my credit report to the current and correct information, Experian and XXXX MUST update my credit report exactly as such.
Product: Credit reporting or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. Collection/Charge Off XXXX  - XXXX - {$0.00} XXXX  - XXXX XXXX {$0.00} XXXX XXXX XXXX - XXXX - {$1300.00} XXXX XXXX - XXXX - {$540.00} XXXX XXXX  - XXXX - {$0.00} XXXX  - XXXX - {$580.00} XXXX XXXX XXXX - XXXX - {$7300.00} XXXX - XXXX XXXX {$1300.00} XXXX - XXXX - {$7300.00} Late Payment XXXX - XXXX - {$0.00} XXXX - XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have challenged the debt several times as they got the vehicle back and sold it for less then it was worth and did not give me credit for XXXX  dollars I put down on the vehicle. When I called to set up payment arrangements they would not accept when I can pay and demanded 2.5 times the amount. They lied and told me the back interest and money to pay on the principle amount required the XXXX dollar a month payment, when I asked them the interest amount and the amount owed the monthly with some towards the principle was less than XXXX dollars a month. They refused several times any payments less than XXXX dollars. I was told if they refuse what I can pay they have to void my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times about the incorrect personal information they are reporting on my consumer report and they have refused to remove it. As a Credit Reporting Agency they are supposed to be reporting accurate information only. There are several addresses, employers, and phone numbers I am not associated with.
Product: Credit reporting or other personal consumer reports

I never received a copy of the 1099 c for my charged off account.
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 Proctection 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 process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss. and I seek appropriate redress for these violations.
Product: Debt collection

Two companies are reporting inaccurate information regarding the same account that is already closed going on 7 years and keeps reflecting misidentified information with no factual date background or balance history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Debt collection

This is from years ago, when I really need the money. It was only about 150 dollars. Now they want to settle with over 350 dollars. I said okay, but I cant do it now. He said it has to be done now. He is a legal courier for XXXX XXXX   Where I live. He left me a voicemail today threatening to come get me implying either arrest or something worse. His name is XXXX XXXX he has been calling me non stop and leaving these kinds of voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, now owned by Javitch Block XXXX http : //www.jbllc.com/, Javitch Block has me served papers by Law Offices of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am on a monthly payment agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to pay off this debt. I am in the process of trying to obtain a mortgage and repairing my credit. I pulled my report from all 3 credit bureaus and the monthly payments are not being reported and the new balance is also not being updated every 30 days after I make a payment. I have attempted to send certified disputes and called XXXX XXXX, Javitch Block and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and after 4 monthly payments my 3 credit reports are still not updated. They can not report an incorrect balance until it is paid off. This continues to show higher amounts than what I really owe after I make my monthly payment. I have other charge off accounts that are on payment plans and monthly payments and balance is updated monthly. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX has informed me that they do let Javitch Block know every month when a payment is made because this is under a stipulation agreement with the courts and if I do not pay monthly it will turn into a judgment against me and as I am trying to repair this I do not want a judgement and have made my payments ever month. Please call XXXX they will verify my payments.
Product: Mortgage

I was a victim of fraud, I was told by a representative from a representative of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my name was reported as being part of an international financial crime. I was told I had to pay money to clear myself of any charges. I was told to pull line lines of equity on my homes and wire money internationally to pay fines in order to clear her name or she would be faced with extradition and charged. I was told to send sums of money totaling over {$600000.00} and now my homes are in jeapordy if I default on any of the mortgages. This process began in XX/XX/2020 and continued through XX/XX/2020. Several international wire transfers were made to the XXXX XXXX XXXX Limited to various individuals that are involved in this scam.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/year> XXXX XX/XX/year> XXXX  XXXX XX/XX/year> Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX don't reflect their true accurate status.. It is paid as agreed and on time. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting..
Product: Debt collection

First I never received anything in the mail, only saw this collection reporting on my credit file which is NOT accurate. I turned in all the phones that were leased when my agreement was up. I do not owe XXXX anything. This is inaccurate. See attached receipts showing I turned in.
Product: Credit reporting or other personal consumer reports

was a victim of id theft an account open in NJ I NEVER LIVED there was removed from XXXX was just info it on my early warning
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Re : Fraudulent Account Date : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX To Whom It May Concern, On XX/XX/XXXX, There was an account opened in my name that is fraudulent and has never belonged to me. After multiple attempts to contact and dispute this account due to identity theft there has still been no resolution. Unfortunately, this has left me no choice but to file a complaint with with the Consumer Finance Protection Bureau.

To resolve the problem, I would like to demand that this fraudulent account to be removed from my credit report as it does not belong to me and is identity theft. I have disputed this account multiple times to no avail. Your company has been negligent in identifying this as fraudulent account. 

I look forward to your reply and a resolution to my problem. I will wait until XX/XX/XXXX before seeking help from a consumer protection agency or other assistance. Please contact me at the above address. 

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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal information was still found in my reports. The Equifax XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the incorrect personal information that is still reporting on my Credit Reports and needs to delete immediately : Wrong Address : XXXX XXXX XXXX XXXX, TX XXXX
Product: Debt collection

I have a bankruptcy appearing on my credit report that has been falsely been added to my credit report. I have sent in certified documents with supporting evidence stating that the Chapter XXXX Do Not report information to any credit bureaus but It still remains on my credit report
Product: Credit card or prepaid card

From Capital One credit card, I received XXXX XXXX statement with due date of XXXX XXXX, XXXX, with total amount {$1200.00}. 

I made {$1000.00} payment on XXXX XXXX, XXXX. I made a {$500.00} payment on XXXX XXXX, XXXX, the due date. 

I was charged {$13.00} internet on next billing cycle. I called three times and no resolution yet. There are two problems in there system that needs to be audited. 

1. Time of due date - I got a response that my remaining payment of {$220.00} was made after XXXX XXXX cut off time that made that payment reflect on next day, which is considered late payment. The cut off time is arbitrary, it should be midnight customers time. 

2. Even if {$220.00} was paid late, the interest on this at 23 % APR for a month should be not more than {$5.00}. Their interest calculation mechanism has error that calculated it to be {$13.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian received identity theft reports from me in XXXX XXXX and XXXX. I have diputes items XXXX/XXXX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX multiple times due to items not being removed as a result of identity theft. The XXXX XXXX Account was deleted, but reinserted XX/XX/XXXX. Which damaged my score tremendously. My rights have been violated. According to FCRA 611, Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ) Requirements relating to reinsertion of previously deleted material. ... 

disputed the referenced accounts ( XX/XX/XXXX ). The credit report of ( XX/XX/XXXX ) and your report number shows this item was deleted from my credit file. Now this item have been reinserted on my credit report. 
In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material.

*Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 

*If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date.

( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any
furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. Please help me resolved this amicably.
Product: Consumer Loan

Pace Financial in XXXX, TN is horrible & when your unable to make your scheduled monthly payment they call & say if you do n't pay by the end of the month your vehicle will be repossessed because we have to have it in here by the end of the month or it goes to managers review. They keep you on the phone when they call for XXXX or more mins lecturing you & repeatedly tell your hurting yourself & your car will be repossessed if you do n't listen to us!!! They have no compassion to your situation or circumstances!!! Def stay clear of this company!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed this account but did not attach a copy of the police report from the theft that caused the identity theft. My office was broken into and my identity documents were stolen. Several accounts were opened in my name without my knowledge. I have disputed this directly with ChexSystems and directly with XXXX XXXX XXXX but have not had the item removed yet.
Product: Mortgage

During COVID, my husband lost his job. Flagstar offered several types of assistance. We agreed to do a process where the loan payments were put on hold and then put on the back of the loan once we were able to make payments again. During the process, we called Flagstar several times and asked numerous questions including what the negative consequences were if we were to go through this process. We were told over and over that there was nothing negative. We recently received a letter from HUD explaining that we have a lien and 2nd mortgage on our home. This was NEVER once explained to us. We just spoke with Flagstar and they said it was not their responsibility to tell us this information, even though we asked numerous times what the negative outcomes were. We are now unable to apply to have the PMI removed even though we would likely qualify for that now which would lower our mortgage payments by over {$200.00} per month.
Product: Credit reporting or other personal consumer reports

I had a XXXX XXXXXXXX XXXX and XXXX plus was automatically billing me XXXX per month and the bill was sent by email paperless which I did not ask for and will never let happen again. My email server was XXXX XXXX is no longer in business and was informed this address was no longer good so I changed to XXXX. I had changed the automatic bill to my Citi double cash but charges for XX/XX/year> XXXX were put on card XX/XX/year> XXXX XXXX intrest XXXX no XXXX bill XXXX fee XXXX XXXX interest XXXX XXXX fee XXXX interest XXXX XX/XX/year> XXXX XXXX XX/XX/year> credit account XXXX. I guess they wrote it off and put restricted on account. All because of paperless billing and I had overlooked address as I did not plan on using this card now. Tried to call XXXX XXXX and ask to help get my credit score back to XXXX and could not get anything accomplished no plain XXXX XXXX people I could understand nor I don't see how they understood me. This lowered my score XXXX points. Every account they track me on says paid in full never late. Capital XXXX had my phone number and did not to attempt to notify me. This has ruined my credit score!!
Product: Mortgage

I am adding a small parcel of land behind my existing property. I am NOT borrowing any additional money. I just need a signature on the plat for the city acknowledging that the mortgage holder is aware that I have added the land. Mr. Cooper/Nationstar Mortgage has thrown road block after road block up and will not sign. They have asked for an appraisal of my property without the land, an appraisal of the property with the land, value of the land, a title search, a hazardous material study, a survey with old property description and new property description, letter of intent from the borrower ( I am not borrowing money ) and a copy of the purchase agreement. All of this to add land to my existing property with which the mortgage company will hold as additional collateral. To top it off the current owner is essentially giving me the land at the cost of a survey and closing costs. They don't have access to the land and I have need maintaining it for years. They are being so nice and I can not act because Mr Cooper/Nationstar won't sign.
Product: Credit reporting or other personal consumer reports

XXXX is falsely reporting an erroneous account on my consumer report. I disputed with them and they responded saying the item was 'verified ' by XXXX XXXX I have attached below a letter i received from XXXX stating that the inaccurate information has been 'located and removed ' from their system.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 15 U.S.C 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

they have been charing me all these ridiculous balance tranfers fees for years which were way too high and way out of line I finally am able to the account off I paid XXXX less asking for at least a XXXX interest back they charged way too interest over the years on these balance transfer fees all my charges are all paid and the rest of XXXX is part of this crazy interestet over the years I have contacted here corp offices and its been a month none of there employees want to help atl one of the ladys called me 3 weeks and have not heard a thing since then this corp office employees horrible have no clue what they are doing I am upset and want my at  least a XXXX of my intesest back
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX application for a personal loan of {$35000.00} I did not ever apply for a personal loan with XXXX 
Letter of denial dated XX/XX/XXXX. XXXX application on XX/XX/XXXX. 
Application number XXXX Reported to XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX Credit card application XXXX letter dated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Fraud Credit Card application REF Number XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX have a credit freeze. I'm a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always pay on time. I don't know how this happen to my account. 
FEDLOAN XXXX XXXX & XX/XX/XXXX
Product: Checking or savings account

My Navy Federal Credit Union ( NFCU ) Certificate of Deposit ( CD ), Account ending in # XXXX, Matures ( Closeout ) on XX/XX/year> [ Next Month ]. The amount of this CD is/was {$100000.00}, for a 12 month term. Several months ago, through my NFCU ( ONLINE ) Account, I established MATURITY Instructions for this CD. My MATURITY Instructions was for the Full Balance to be deposited into my NFCU XXXX XXXX XXXX  Account, ending in # XXXX. A few days ago, these MATURITY Instructions was changed, BUT NOT BY ME!!! The Account for deposit was changed to an Account that I [ did not ] know of, and [ did not ] OWN -- ( See Attached ). This Suspiciously sounds like FRAUD to me. I made several phone calls to the NFCU Headquarters Certificate of Deposit ( CD ) department, but this UNKNOWN Account still REMAINED. I also went to my local NFCU and met with an employee to correct the problem ; but to NO SUCCESS!!! I finally called back to the NFCU Headquarters CD Department and asked the Supervisor to CLOSE THE CD EARLY and deposit the funds into my NFCU Money Market Saving Account. Due to the FRAUDULENT circumstances, plus the CD was MATURING in about 27 days, I asked the Supervisor to waive the Early Withdrawal/Closing Penalty Fee. The Supervisor rudely CLOSED this CD and transferred the funds to my NFCU Money Market Saving Account ; but he also deducted around {$1200.00} for Early Withdrawal/Closing Penalty.