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

On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. Experian, XXXX  and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, Experian managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, XXXX  is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and Experian found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how XXXX  is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but XXXX  and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to communicate with the company twice and they have ignored my request. I requested validation ( in the form of the original contract ) from the bureau for the fraudulent account. I sent in a letter and a FTC report just like the bureau request and I still havent received any original contracts, and the information is still on my report. They responded that the information was correct and blatantly ignored my request which the law states that I am able to request the contract that they have on file between me and this company.
Product: Credit card or prepaid card

This has been going on for about 6 months. I pay all my charges off as soon as they are charged. I have spoken to several representatives and 3 supervisors. All stated they would get this taken care of. One supervisor placed a hold on interest on the account for two months but then it started back up again. A representative in XX/XX/XXXXtold me it was because an email had not been sent to their billing department. But that did not change anything. I have a promotional offer as well as the charges I make every month of zero percent interest for 18 months which does not expire until XXXX 2018. I pay about 9 times the minimum amount on this every month. 

I have even been told that because of the promotional rate ( representative ) that it cancels out the grace period on purchases which is illegal. 

I am tired of calling every month and getting a different story and being on hold to speak to a supervisor for half an hour at a time to be told they see what 's happening and it should not be happening, and it will be fixed, only to have to call again the next month.
Product: Credit reporting or other personal consumer reports

I reached out to Equifax, XXXX XXXX and XXXX to have inquiries old addresses that were affiliated with negative accounts, that no longer reside at collections close the counts report and open inquiries in which I never received serves. This is good for to be removed from my credit profile.
Product: Credit reporting or other personal consumer reports

Hello, I have several credit inquiries on my account that I do not recognize and I want them removed XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  BARCLAYS BANK DELAWARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX WI 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: Debt collection

As the attached document will indicate, there remains numerous inconsistencies and concerns with both the actions of XXXX ( XXXX ) and Select Portfolio Servicing, Inc. ( SPSs ) continued and past unscrupulous actions which continues to perpetuate deceit, fraud and corruption on the behalf of XXXX and SPS. Based on this information, as Fiduciary of the Estate of XXXX XXXX XXXX, I deny any and all claims by XXXX and/or SPS or affiliates and/or associates for any debts claimed by these untrustworthy entities. ( including but not limited to, XXXX, SPS, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, etc. ). See attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a collection company stating about a debt I owed for a insurance company. I have never applied for or had any insurance with XXXX. I quickly opened an account with XXXX XXXX to review my credit report. I found many fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible.
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 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 a financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block , inc ) due to the inadequate customer service and unfair practices Which violated The consumers Financial Protection act. Specifically, cash app failed to take timely and effective measures to prevent address fraud on their platform, Leaving my account unprotected and Vulnerable. Furthermore, their dispute resolution process was unfair as they did not comply with error resolution ( EFTA ). These actions cause a significant inconvenience and financial loss
Product: Debt collection

Portfolio Recovery Associates Inc is falsely reporting that I owe them and/or XXXX XXXX XXXX {$3600.00}. I have been and continue to be a customer of XXXX XXXX XXXXk for many years now. All my XXXX XXXXXXXX XXXX  accounts are current and in good standing. This {$3600.00} is bogus and XXXX should discontinue this malpractice. I challenge them to prove that I do not currently have 3 accounts with XXXX XXXXXXXX XXXX  that are in good standing to this date. I challenge them to present a recent statement confirming that this money is owed and that I do not currently have a banking relationship with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted this company in regards to accounts that they have sold to third party collection agency in an effort to get the accounts validated. However, the company have failed to provide any information that shows my signature. You have ignored my request to provided me with signature of documents that you have in your files that can verify that these are my accounts. Therefore, you have not NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. After reviewing these files I am to believe that your company have allowed multiple of accounts to be open without my authorization. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified with a signed contract bearing I am the debtor for the debts or deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed an error on my report and it was removed in XXXX. It was removed because it failed to be validated by the collections agency. XXXX  reinserted it again today without any prior notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to get fraudulent information off of my TransUnion report and the information keeps coming back verified. How can you verify fraud? I constantly get the run around and what they will do is they will update the date the account was opened and say thats how it was verified. How does that matter it is FRAUD. I have a FTC Report, Police Report I will start calling the White House until someone figures it out
Product: Debt collection

I have continuously disputed this account that IC Systems continues to report that is inaccurate information. I have requested numerous documents to review the alleged debt but only in return got a partial statement that did not detail binding this alleged debt to me. I have proven that the name is incorrect and also that I am not aware of this account nor is this mine. The company continues to report these inaccurate findings and has ruined my reputation and prevented employment in which during the pandemic is slim to none. IC Systems violated numerous. I have detailed all the violations and would like to move forward with punitive damages if the accounts are not removed. I have attached exhibits of the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

SunTrust Mortgage continues to report erroneous information to the credit reporting agencies. In XX/XX/XXXX, I notified SunTrust in writing of the errors but as of XX/XX/XXXX the erroneous information is still being reported by the credit reporting agencies. SunTrust Mortgage reports that my mortgage was delinquent, in collections and then discharged in bankruptcy. This is not true and their own records submitted in XX/XX/XXXX prove that this is not true. The mortgage was always paid on time, never late and was completely paid off in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully going over my credit report I noticed there are accounts on my credit report that are reporting inaccurately. On XX/XX/2020 and XX/XX/2020 I wrote Experian they failed to reply within 45 days to verify these inaccurate accounts. Please delete and block these negative accounts from my credit report, they are causing serious harm.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to update my previous complaint filed regarding an inaccurate and unverified collections account reported by XXXX XXXX  on my credit reports. Unfortunately, despite my efforts, the issue remains unresolved. 

Summary of Previous Complaint : I disputed the account with all three credit reporting agencies, highlighting numerous discrepancies and attaching supporting documentation. 
I contacted XXXX XXXX requesting verification of the information, but their response was inadequate. 
I expressed concerns about potential violations of the Fair Credit Reporting Act ( FCRA ) due to the inaccuracies and lack of verification. 
Failure to Resolve : The credit reporting agencies have not taken my dispute seriously. They have not conducted a thorough investigation, provided any updates, or removed the inaccurate account. 
Follow-up attempts to obtain updates or further investigation from the credit bureaus have been unsuccessful. 
XXXX XXXX has not provided any meaningful attempt to verify the account information or address my concerns. 
Continued Impact and Request for Intervention : The presence of this inaccurate account continues to negatively impact my credit score and limit my access to financial opportunities. 
I am frustrated and concerned about the lack of progress and accountability from both the credit reporting agencies and XXXX XXXX. 
Therefore, I respectfully request that the CFPB : Escalate its investigation into this matter. Demand a thorough review of the discrepancies and potential FCRA violations from both the credit reporting agencies and XXXX XXXX. 
Urge the credit reporting agencies to take immediate action. This includes removing the inaccurate account from my credit reports while the investigation is ongoing. 
Hold XXXX XXXX accountable for providing accurate and verifiable information. If proper verification can not be provided, insist on the account 's permanent removal. 
Consider further action, including public enforcement measures against XXXX XXXX  if they fail to comply with the CFPB 's XXXX. 
I am confident that the CFPB 's intervention is crucial to resolving this issue and ensuring the accuracy of my credit report. I am available to provide any additional information or clarification needed to support your investigation. 

Thank you for your continued attention to this matter.
Product: Mortgage

Back in XXXX OCWEN LOAN SERVICING took on our loan # XXXX in the amount of {$600000.00} of which {$580000.00} was the original loan previously! We continued to make the payments on a monthly basis, this mind you, was a loan modification with balloon payment at end of loan. Fast forward to XX/XX/XXXX, Our loan balance was increased {$46000.00} from the Lender out of our control. Documentation available in attachment. 
What we are seeking is fairness in lending practice, Please seek the amount added on to our loan and reinstate our loan to the balance that we had previous to XX/XX/XXXX. 
We have been through 3 loan modifications in 11 years and currently owe a larger loan amount then we owed 11 years ago, we never borrowed against our home since XXXX. 
I know many years have gone by since XXXX, but we are mainly interested in getting back the {$46000.00} that was added to loan balance on XX/XX/XXXX. 
Thank you, sincerely, XXXX and XXXX XXXX
Product: Payday loan, title loan, or personal loan

I was a few days behind on personal loan due to unprecedented effects from Covid crisis. Upgrade promised that they would not charge a late fee during this period. I am not behind with payments however since I was few days late making my monthly payment they have charged me {$10.00} late fee. I have spoken to at least 3 clueless associates and they insist that they can not and will not reverse the {$10.00} fee. It is {$10.00} guys. We are in the middle of an unprecedented crisis. You promised me numerous times that you will not charge a late fee. Come one, you are the XXXX  of XXXX  for your actions. Shame on you Upgrade. You lost a good customer for {$10.00}. I am not even late and in fact ahead of schedule. You are lucky that I care about my credit and trying to payoff this loan as soon as possible to never have to deal with you again. I hope your company wakes up before its too late.
Product: Checking or savings account

I use to bank with Wells Fargo for years until I opened a bank account in XXXX AK. They closed my account because they kept taking out of my account for " overdraft fees.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following dates ( XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion did not investigate my original dispute as they stated in my original complaint that I filed on XXXX. Their response did not address my complaint. They simply stated that they updated the credit file and refused to make their response public so that it could be seen publicly so that they could not do anything and skirt around the law. The law is clear that when a dispute is filed, the CRA must update the credit report to reflect what is in dispute and they did not. This is a violation.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Based on the existing documentation provided, one can clearly see that the principal balance for my HELOC was fully paid off on XX/XX/XXXX, yet the supposedly-canceled autodraft still took out a full monthly interest payment ( {$790.00} ) on XX/XX/XXXX. This was then correctly applied to " Unapplied Balance. '' However, for reasons unknown to me, nearly XXXX months later ( and conveniently post-dated to XX/XX/XXXX, a day before I wrote myself a check for {$2000.00}, the amount of the Unapplied Balance ), Shellpoint decided that the incorrectly taken interest on a loan with no balance was owed. Shellpoint then debited that {$790.00} from my unapplied balance when I wrote myself the aforementioned check on XX/XX/XXXX. As a result, Shellpoint claimed I took too much out -- by {$790.00}, the interest payment that was debited for no reason -- and has been charging me interest on it since. Further, it actually appears that Shellpoint " fixed '' the error XXXX days later ( on XX/XX/XXXX ) by crediting the interest amount, but this was never actually credited anywhere. 


Additionally, over the past few months, I've waited a substantial amount of time for any communication or resolution, as Shellpoint continually claimed that the issue was " complicated, '' and asked for additional time to investigate. All the while, charging interest on an amount that was not actually a valid debt, ultimately providing the highly suspect history of my account 's payments ( attached ). Not only is it very difficult to actually follow what they're doing, but common sense shows that the credits and debits do not add up to what they claim I owe.
Product: Credit reporting or other personal consumer reports

" I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says (  XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. ''
Product: Credit reporting or other personal consumer reports

XX/XX/year>2024 I disputed inaccurate information listed on my credit report and asked for validation of the inforamtion listed on the report with transunion, XXXX andXX/XX/XXXX The accounts disputed were XXXX XXXX and XXXX XXXX. Transuion returned a letter to me on XX/XX/scrub>/2024 stating the XXXXXX/XX/XXXX was validated but they did not send proof of validation. They did not respond to the dispute of net credit, they did not address the dispute at all and it still remains on credit report. I have reached out to XX/XX/XXXX XX/XX/XXXX numerous times and they continuously sale my information. I am never able to keep up with who has the account. I want both of these accounts removed off my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries appearing on my Equifax credit report that I did not initiate. I did not apply for credit with these companies. I have file identity theft report and attached to this complaint. Please assist me in resolving this matter amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report BK OF AMER Account Number : XXXX Please remove it from my credit report. 

XXXX. The following information is outdated. I would like it removed from my credit history report XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. This is a duplicate account XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX  Date of XXXX XX/XX/year>