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

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, has violated my rights.

15 USC 1681, section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A Section 2 : it also states, a consumer reporting agency, can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no, consumer reporting agency may make any consumer reporting containing any of the following items of information any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnished any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I disputed this account and asked for proof from the original creditor of these collection companies that the debt collector owns this debt and has the legal authority to collect it or delete this account. 

I. C. SYSTEM, INC with account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account : XXXX XXXX XXXX ) Account : XXXX ( Credit Agencies ) Reason for dispute : First, the name is incorrect which is an error, that alone is a reason for deletion according to FCRA Laws. 
This is my XXXX notice to you and you continue to ignore the violations you are committing. I've also sent a letter out previously and you chose to ignore it and say this was coming from a credit repair organization, to stall I guess. 

Furnishing this information to credit agencies without my consent infringes on my privacy, degrades my credit worthiness, credit standing, and character. Regardless if you think its valid and accurate according to the CFPB and FCRA you are still committing FRAUD by using my personal information and sharing it with third parties ( XXXX, XXXX, Experian, and XXXX ) without my PERMISSION OR CONSENT which is a violation. 

Pursuant to 15 USC 1681a you are to respect my privacy as a consumer and you have not done that by sharing my personal information with a third-party credit agency. This violation is diminishing my creditworthiness, and demeaning my character. Pursuant to 15 USC 1681a, any information solely as to transactions or experiences is to be EXCLUDED from reports. So this is another violation showing you were not supposed to give my personal information out. 

This is also an adverse action to me as a consumer and needs to be remedied immediately. By you sharing my personal information without my consent you are infringing on my privacy which is placing me in a bad credit standing. 

I asked that you remove all student loans accounts from all third-party credit reporting agencies immediately. I will also be sending a letter to the FTC for such violations. This is my last notice and I will seek damages if this doesnt get remedied. This is adverse and is damaging my creditworthiness. 

Account disputed : XXXX, remove from credit agencies. 
Account : XXXX ( Credit Agencies )
Product: Student loan

In XX/XX/XXXX I requested a refund from EdFinancial in the amount of {$8800.00} on payments I had made during the XXXX XXXX I only ever received XXXX check from the XXXX Treasury in the amount of {$1000.00}. XXXX ( XXXX ) checks were stolen and fraudulently cashed. XXXX ( XXXX ) checks totaling {$1500.00} were not ever cashed and have been refunded to my account. 
I contacted EdFinancial and explained the situation, after XXXX months of calling them and being told I should wait to see if the checks would appear in the mail, I contacted the Treasury Department myself. The Treasury Department told me the XXXX checks had been cashed and that I would need to submit a fraud claim packet. I requested a fraud claim packet from EdFinancial and was finally mailed XXXX in XXXX XXXX but it was only regarding a single check of {$500.00}. I submitted the fraud claim packet to the Department of the Treasury- Bureau of Fiscal Service and forgery was determined. The {$500.00} was credited to my account by EdFinancial. 
I have called EdFinancial XXXX times a month since XX/XX/XXXX requesting the rest of the fraud packets be sent to me so I can resolve this issue. I have twice been mailed incorrect forms. I have XXXX times been told by managers at EdFinancial that they will be personally looking into the matter and calling me back within XXXX weeks. It has now been a month since I last was told I would recieve a call within XXXX weeks. 
I am tired. I need form Fiscal Service Form XXXX Claim Against the United States for the Proceeds of a XXXX Treasury XXXX is a document sent to a payee or claimant to complete when forgery of a XXXX Treasury check is alleged. sent to me for each of the ten ( XXXX ) remaining checks totaling {$5800.00}. 

It is negligence on behalf of EdFinancial Services for not working with me to resolve the money that was stolen. I have recorded the phone calls I have given them, and kept records of all the times they have hung up on me or told me I need to just wait another month to see if it will be resolved on its own. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX debt was paid in full but still reporting on my credit report as charge off. And not a paid charge off. I have two complaint numbers still reporting the in correct information. XXXX and XXXX.
Product: Mortgage

THIS IS NOT A DUPLICATE COMPLAINT. THIS IS A NEW ISSUE REGARDING TENANTS THAT RESIDE WITH ME. 

I have 2 tenants living in my home for some time now. They both have indicated that they will be staying and have NOTIFIED ME JUST NOW that they will begin pursuing their own remedies to stay in the home. 

One tenant is 100 % XXXX and on a fixed income. The other tenant will be bringing his daughter to live here next week. The child 's mother died earlier this month unexpectedly. He does not have alternatives at this time and he must put his daughter in school or he will have problems with social servies. 

I am having difficulity communicating with JP Morgan Chase to notify them of this situation.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$94000.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolutions 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

AMERICAN EXPRESS ACCEPTED PAYMENT TO SETTLE DEBT THEY RECEIVED PAYMENT AND REFLECT O BALANCE BUT SETTLED. I NEED TO ACCURATELY REPORT PAID IN FULL AND TO DELETE BASE ON AGREEMENT THAT WAS TOLD TO ME WHEN SETTLING ACCOUNT.
Product: Debt collection

I, have a collection agency calling my job number number and cell phone number.in which i almost got in trouble and they were calling sometimes after i left and my co-worker told me the next day. Now co-workers know my business. and calling me during business hours knowing i have people coming to the desk
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXXXXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report 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 XXXXXX/XX/XXXX 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The Equifax Credit Bureau 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. THE LATE ACCOUNT LISTED BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$2000.00}
Product: Checking or savings account

Good Evening, I was unabled to open a Bank Account with XXXX XXXX XXXX. A few weeks later received a letter saying I have things in revolving credit and charges in collection. I received my credit report and it says I owe Bank of America XXXX from XX/XX/18. I do not recall this overdraft of this account.
Product: Mortgage

I have tried to save my home and yet U.S. Bank refuse. I initially believed the lender refuse to correct an internal failure during a corporate transfer when it took my mortgage payment, unapplied it, then initiated foreclosure against me for the internal mistake. ( see proof of claim 2.1 page 4, " unapplied balance '' column o. See also pgs. 4-12 ) But after U.S. Bank added my known abuser 's name to the foreclosure complain then proceeded to obtain a judgment for foreclosure and a sale date during the pandemic and my bankruptcy automatic stay. I asked the know abuser why U.S. Bank initiated the foreclosure, refuse modification and added his name to the foreclosure complaint? The abuser stated the foreclosure was initiated because there is a plan to XXXX me and give him my home. U.S. Bank have yet to explain why the abusers name was been added to the foreclosure complaint. U.S. Bank filed a false proof of claim that was initially disallowed. 
I filed another XXXX  XXXX bankruptcy on XX/XX/2023, but U.S. Bank refuse modification mediation and the terms in the proof of claim appear to be reverse redlining. ( see proof of claim number 2.1 pt2 page 7 ) Will I actually lose my home due to these predatory lending practices?
Product: Debt collection

On XX/XX/year> @ precisely XXXX I spoke with customer service representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX who state that account number ( XXXX {$72.00} ) ( XXXX {$28.00} ) had been transferred to Resurgent Capital Service XXXX XXXX XXXX XXXX XXXX XXXX SC. XXXX. However, this account is reflected to be reported by XXXX XXXX even though they are no longer the original debt holder and the account has been charged off and written off. This can not be so, I have reported this issue with both XXXX and XXXX over seven different times yet they have ignored my request as well as a DEBT DISCLOSURE STATEMENT, sent on XX/XX/year> via USPS certified mail XXXX XXXX XXXX XXXX XXXX XXXX XXXX  in which they failed to respond in the 10 days required on the affidavit or provide the requested information. 

On XX/XX/year> at precisely XXXXXXXX XXXX I spoke with XXXX at Resurgent Capital Services, who informed me that my balance for account account ending in XXXX was in fact {$72.00} and balance for account ending in XXXX is XXXX, making the information reported to the bureaus inaccuarate, by law all information must be reported correctly and accurately. Also both accounts numbers are reported as XXXX for both accounts, this can not be so this information is incorrect and invalid. 

By law the FCRA requires that industry to report consumer credit information in a fair, timely and accurate manner. The Fair Credit Reporting Act Title VI clearly states that " Companies that provide information to consumer reporting agencies also have specific legal obligations to record with accuracy and to investigate any disputed information. Which both XXXX and XXXX have failed to do. 

I demand that these accounts be removed from my credit report due to the inaccuracy of the debt reporting agency, incorrect balance, and incorrect account number listed. This can not be so. This company is causing me great damages and hardships in my life and will result in a law suit
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1300.00}
Product: Credit card or prepaid card

I've made my payments on time every month since opening this Citi credit card. I make additional payments on this card most months. My credit limit on this card was {$1100.00} and my balance was {$520.00}. Today I received notification that they reduced my credit limit to just {$14.00} over my balance to {$540.00} for absolutely no reason. My credit score has not dropped since opening this account. And I've never skipped a payment or paid my bill late. Now they've dropped my credit limit so close to my balance that when interest is charged on my balance, I'll be over my credit limit and they will charge a fee for being over my limit. Not to mention the huge negative impact this will have to my credit. What this company is doing is unethical and fraudulent.
Product: Credit reporting or other personal consumer reports

I am writing to disputed account on my credit report that were made without my consent. Accprding to section 604 of FAIR CREDIT REPORTING TO SECTION ( 15U.S.C 168 1B ) there are specific permissible purposes for obtaining a credit report. I did not authorize these account ans can not find any permissible purpose under this section that justifies their presence on my report, hard inquiries,, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX By Certified Mail I informed the credit bureaus that they where in clear violation of the law. Under 15 USC 1681 b-permissible purpose of consumer reports as pertaining to my credit report. 

I informed the bureaus that I had not given permission for the late payment from XXXXl XXXX XXXX XXXX reported from XXXX & XX/XX/XXXX and XXXX of XXXX to be reported on my consumer report. I asked both reporting agency to remove these late payments from my consumer report. Neither credit bureau as of date has honored my request and continue to violate my rights under 15 USC 1681 Under 15 USC 1681 b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject 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. I did not give written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
I do attest that the credit bureaus all 3 including XXXX who just begin reporting this closed/paid in full account is violating my rights. 
1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 U.S.C 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to dispute something on my credit report. Experian would not verify the online account I set up. The verification questions they had were not applicable to me. I was sent to a final page telling me to call to get help. Whenever I call this number no one answers and it just hangs up on you. It's impossible to get a hold of someone. Experian is breaking the law by not providing me with access to my credit report.
Product: Credit reporting or other personal consumer reports

Please take this complaint seriously, as it is not sent in error. My credit report contains mixed and inaccurate information, including accounts, transactions, and items that do not belong to me. This situation is deeply concerning and has been causing me significant stress and XXXX Additionally, I have noticed that my personal information on the report is incorrect, which seems to be contributing to the appearance of these unknown and inaccurate accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One is violating the Fair Credit Reporting Act, by reporting the incorrect balances for 2 charge off accounts. Per law, interest & fees are suppose to be waived when a balance is charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

We have a conventional loan on a rental property with XXXX Mortgage and the servicer is XXXX I believe. I have filed a dispute with all three credit reporting agencies as well as XXXX. Transunion says they deleted the item but XXXX refuses to remove it and that is affecting our XXXX and Equifax report. This report caused a line of credit to closed and will affect us for 7 years. We have NEVER had any item reported on our credit nor been late or collected upon. This is a situation where the check was lost in the mail. We were not notified personally by phone ( because XXXX   did not have our correct contact information and you will see documentation verifying our phone numbers have been changed in their system. The notices that we received in the mail we assumed crossed paths with the check ( as many times happens ) since the check had been mailed on time. Once I finally contacted XXXX by phone to find our what was going on ( they never contacted us by phone ). The double payment was made THAT DAY to correct the error and a stop payment placed on the original check, which has never shown up. All of this is documented and we feel unfairly treated due to all of this human error and the fact there was no contact by telephone to alert us of this error.
Product: Mortgage

NewRez responded to our Complaint number XXXX on XX/XX/2021. 

NewRez 's XX/XX/2021 response states, " Newrez received the homeowners payment of {$940.00} on XX/XX/2021 and per the homeowners instruction applied it to principal and escrow instead of the XX/XX/2021 post-petition and contractual payment '' We at no point in time ever instructed NewRez to use the check they received on XX/XX/2021 in the amount of {$940.00} as an PRINCIPAL AND ESCOW ONLY PAYMENT as NewRez is falsely claiming in their response. It is also clearly written on the check and letter we attached to the check that it was intended for the XX/XX/2021 Due Date of PRINCIPAL, INTEREST AND ESCROW. 

In fact, we sent in a certified letter, attached to the check that NewRez received on XX/XX/XXXX, specifying that the check in the amount of {$940.00} for the XX/XX/XXXX due date and was to be allocated as a payment of PRINCIPAL, INTEREST AND ESCROW. 

Attached is the letter we sent of attached to the check for {$940.00} that NewRez received on XXXX, XXXX 2021 specifying that the check was for PRINCIPAL, INTEREST AND ESCROW, NOT JUST PRINCIPAL AND ESCROW as NewRez is claiming. 


XXXX. NewRez needs to immediately deposit the appropriate amount of funds that were due to be paid on our account for INTEREST for the XX/XX/2021 Due Date, the funds we specifically said were to be allocated as Principal, Interest and Escrow as we contractually owe 12 yearly payments of PRINCIPAL, INTEREST AND ESCROW. 

XXXX. NewRez needs to acknowledge that we never gave them Instructions or permission to use this check received on XX/XX/2021 in the amount of {$940.00} for PRINCIPAL AND ESCROW only. 

Our mortgage account now has a missing interest payment of which NewRez needs to resolve their error.
Product: Credit card

kay jewelers continues to change the status of my former charge account to open in collections when it was included in bankruptcy and discharged. this is causing me harm in trying to repair my credit and get new credit. it just caused me a XXXX point drop in my fico score by there reporting.
Product: Checking or savings account

On XX/XX/year> I received a text message with a declined charge so I logged in and checked my account there were XXXX charges for the following amount XXXX, XXXX, and XXXX. I called my bank and told them what happened and they shut my card off. They tried to do more charges when my card was cut off also I received XXXX emails saying the XXXX transactions were declined but my money was never put back in my account.