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

Repeated phone calls. 
Billing errors that I don't recognize. 
Harassment Joining with alleged original creditors to report negative information to extort payments. 
I keep seeing this negative information on my report, and I have never done business with them. 
Company has obtained my personal information without my permission or consent. 
Original Creditor sold my information without my consent. 
Company is attempting to extort payments by reporting negative information about me. 
Company has no documents signed by me allowing them to call and harass me. 
They call several times per day even though I asked them to cease and desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried to get these issues fixed on more than one occasion. I've also sent a complaint to my local Senator 's office because I'm not getting any results. What's most upsetting is, that I've sacrificed my life for this country, and now a XXXX Veteran is being treated unfairly in my country. I asked for an investigation that was not thoroughly completed. I sent letters out on XX/XX/2022 ; XX/XX/2022, and XX/XX/2022, to Experian, XXXX, and XXXX. Here is my tracking XXXX ; XXXX ; XXXX. However, the credit bureaus said they completed the investigation and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to? 

How did they complete this investigation?
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and there are multiple issues with inquiries that are negatively impacting my credit. I don't recognize inquiries from : - XXXX/XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 - XXXX, XX/XX/2018. 

In XXXX applied for a mortgage with XXXX XXXX, but I have over 5 inquiries from companies that I don't recognise : - XXXX, XX/XX/XXXX and XX/XX/2018 - XXXX, XX/XX/2018 - XXXX XXXX, XX/XX/2018 - XXXX  XXXX, XX/XX/2018 I do not know where these inquiries but they have really damaged my credit.
Product: Checking or savings account

On XX/XX/XXXX2021, I walk into the XXXX XXXX SunTrust XXXX. I was down the street from my attorney office. I had just received a settlement check. Since the check was a SunTrust check and I am a SunTrust customer I did not see an issue. I deposit half in my checking part in my savings and received about 2k cash back. Friday afternoon the following day I went to the SunTrust drive thru and cash my payroll check. The bank did not alert any issues or problems. Later that evening I went to use my debit card and was told it was on hold for fraud. When had I asked why? I was told when I deposited my check at the XXXX XXXX, SunTrust XXXX the teller put a fraud alert on my account and I needed to go to a branch location. I went to the XXXX location, and they could not tell me what was going on they stated that they would issue me a new card. I was still able to pay bills and I was able to conduct business as usual. Tuesday XX/XX/XXXX I try to login to my account, and it states it is inactive. I again go to the branch they now say my account is being closed because the check I deposit is now considered fraud. I contacted my attorney office they stated SunTrust never spoke to them and stated they do not have contact information for the back-office research team that is handling the issue. They do not know when the funds will return to me or when they will return the funds to my attorney bank account. They offer no resolve, and they were asked if it seemed unusual for a check to be deposit why didn't they contact the account holder they said that's not their job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Paid, Closed. {$720.00} written off. delete this from my consumer report Hey my name is XXXX, I am not working with a 3rd party nor a credit repair company. I am, sending this letter myself. I have studied my consumer rights. Youre a credit reporting agency that needs to perform lawful acts! Youre violating my consumer rights! Under the FCRA 15 U.S. Code 1681- Congressional findings and statement of purpose, Accuracy and fairness of credit reporting! IT MUST BE ACCURATE! IT MUST BE FAIR! IF NOT, THEN IT NEEDS TO BE DELETED FROM MY CONSUMER REPORT! There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. You never received my permission to release my information pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) I have never given you my written instructions. Please show me proof that I gave you permissible purpose to furnish debt on to my consumer report. Pursuant to 15 U.S.C 1681 section 602 A. States I have the right to privacy. Please follow the rules, or I will have to seek litigation as it only cost XXXX $ to take you to court! Compliance procedures [ 15 U.S.C. 1681e ] ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.I NEVER GAVE MY CONSENT SO THIS IS NOT FAIR NOR ACCURATE! DELETE NOW! 

Permissible purpose = written instructions With permissible purpose = consent Without permissible purpose = Identity Theft YOU DO NOT HAVE written permission or instructions for the identified transactions to be reported on my consumer report. I demand the following accounts be removed immediately. I DO NOT CONSENT TO E-OSCAR VERIFICATION I will also be seeking {$1000.00} per violation for : 15 U.S. Code 1681i ( iii ) ( 7 ) Description of reinvestigation procedure 15 U.S. Code 1681n 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report. Transactions and experiences are not included on my credit report 15 U.S. Code 1681b ( a ) ( 2 ) - Permissible purposes of consumer reports YOU DO NOT HAVE MY written instructions 15 U.S. Code 1681 ( B ) ( E ) FALSE INFORMATION 15 U.S. Code 1681b DID NOT USE MANNER WHICH IS FAIR AND EQUITABLE TO THE CONSUMER IN REPORTING NEGATIVE ALLEGATIONS WITHOUT WRITTEN PERMISSION 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.

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 15 U.S.C 1681 section 602 A. States I have the right to privacy I demand the following accounts be removed immediately
Product: Credit reporting or other personal consumer reports

I attempted to dispute an incorrect charge-off from JPMCB ( Chase ) on my XXXX credit report, but XXXX is preventing me from submitting a dispute. The charge-off is being reported incorrectly, as it continues to show a past-due balance and new charge-off updates every month, which is a violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA guidelines, once an account is charged off, it can not continue to be reported as past due. Since XXXX is blocking my ability to dispute this, I am filing this complaint to request that they accept my dispute and properly investigate the inaccurate reporting.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, Equifax data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, EQUIFAX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am addressing a concern regarding the reporting of a charge off on my credit report. Your company has labeled a debt as a charge off, which signifies that it has been discharged and you have taken a tax write-off for it. However, I have noticed that this charge off is inaccurately reported as owed on my consumer report. This discrepancy exists despite the fact that your company classified it as uncollectible debt and wrote it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested a credit report from XXXX XX/XX/2018. In one line, it says ; " Total number of properties owned : 2 '' I do not own or have owned 2 properties. 

4-5 years ago my personal information ( SSN ) was lost. I do not know if the above inaccurate information is related to my lost identity information. However, I am concerned. 

I would appreciate your help identifying where the information reported by XXXX  about properties owned came from. Thank you.
Product: Money transfer, virtual currency, or money service

This is not a debt collection issue, I chose this category as there was no option for this serious concern.
I 'm a   XXXX   XXXX   XXXX   who represented the buyer for a foreclosed property, the offer was accepted back on  XXXX 2017, the closing was to take place on  XXXX /2017. As of today  XXXX /2017 the transaction has not closed due to the lack of urgency by the sellers, the financial institutions involved, regarding a required document for the closing. Myself and the buyers attorney have made numerous inquiries, have received empty promises for action and as noted my buyer has now been waiting for nearly 6 months to close with no real or definite close date offered. The primary financial institution involved is Ocwen, I attempted to contact them on numerous occasion via phone but I found it impoosible to reach a live person Below is latest email indicating that latest promise of a   XXXX   close date will now possibly occur in late  XXXX .    <P/>   " Hi  XXXX , response received : so the review for them to do it has passed and now they are waiting on the document. It has taken Ocwen the time frame up front to know if they would sign it, and now they have the approval and we wait.
Not sure if your buyers want to wait until this date below to have the document received to record and or if they record when done, I wont know until either happens.
Sorry, wish I had more than this, but this was response received.
Please advise, Hi  XXXX , Unfortunately nothing at all yet. Theres a note by Ocwen that the estimated return date for the executed AOM by  XXXX  is  XX/XX/XXXX , so at best were still a few weeks out. I can follow up with Ocwen in a week or two ( although I doubt theyll have any information, but it wont hurt to try ). '' I obtained their corporate address as follows :   XXXX   XXXX   XXXX      XXXX   XXXX     XXXX   XXXX   XXXX  , FL  XXXX  Phone : (  XXXX  )   XXXX    Website : www.ocwenbusiness.com
Product: Credit reporting or other personal consumer reports

The Consumer Financial Protection Bureau ( CFPB ) has documented Equifaxs repeated failure to properly investigate consumer disputes, even leading to legal action for violating the FCRA. This continued pattern of noncompliance is unacceptable, and I will not allow my credit profile to suffer due to negligence on your part.

Federal law ( 15 U.S.C. 1681i ) clearly states that Equifax is required to conduct a thorough reinvestigation of disputed information within 30 days. Any item that can not be 100 % verified must be deleted immediately. I demand that these errors be corrected without delay, as they are actively harming my financial standing. Continued noncompliance will not be ignored. 

Company Name : 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

Account number XXXX Western funding Car loan XXXX XXXX XXXX The car transmission went out within months of me having the car ( LEMON ), after putting down XXXX at the car dealership The car dealership relocated ( unknown location ) so I had to do a voluntary repossession I spoke with several representatives during that process in XXXX The derogatory mark on my consumer credit reports has caused alot of strain as well as this account being sold to a collection agency even after o explained what happened I also was paying insurance thru XXXX along with the monthly car note No one from Western Funding will assist me or give my down payment back which is owed according to consumer law
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. 


I told XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 

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: Mortgage

My mortgage company has not paid my Real Estate Taxes out of my escrow after stating it would be paid. My tax bill is now past due and I can not get any response or help from them. THe bank is Citizens One
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding an inaccurate late payment reported on my credit report by [ XXXX XXXX ]. My credit report indicates a late payment on my account. As per the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and ( Rule 1002 ) I kindly request that you conduct a prompt investigation into this matter and provide me with the following : A certified letter with a return receipt that was mailed to me that notified me 21 days before the due date. 

Verification of the late payment entry, including the date, amount, and method of verification.
Product: Credit card

XXXX Email from XXXX {$40.00} reward certificate when you activate and make at least 3 recurring transactions on your Card outside of Best Buy by XX/XX/year> The recurring payment examples given : Utilities, Internet, streaming sites, memberships ( car insurance, wholesale club ) Activated the promo on the same day. 
" Rewards will post to your loyalty account 3-4 weeks after qualifying recurring payments have been posted ''. 

Here are the recurring payments XXXX, XXXX {$25.00}. 
XXXX, XXXX XXXX XXXX {$48.00}. 
XXXXXXXX XXXX {$1.00} It is now 7 weeks. Still no promotional certificate received. 
XXXX It is now 4 weeks since the XXXX qualifying purchase. Emailed. 
XXXX Emailed again! 
XXXX Called, CS said their internal team need to investigate. Wait 7 days, they will email me the result. 
XXXX Emailed again. 
Also called Citi, CS submitted my concern to their own team XXXX Emailed again, asking for the investigation results, as it is now over 7 days.
Product: Credit reporting or other personal consumer reports

According to IRS, an unpaid charge off is income. According to theXX/XX/XXXX income can not be reported on a credit report. I have received a XXXX for the accounts listed XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX After checking a copy of my recent report, it appears these accounts are still being reported. 
These accounts can not be reported on my credit report ( according to law ), not even to mention violation of XXXX XXXX XXXX. I demand these accounts to be removed from my credit report immediately.
Product: Mortgage

I made a mortgage payment on XXXX XXXX, 2015 in the amount of XXXX. I paid on the XXXX primarily because I was in the process of closing on a refinance and the loan officer did not want me to past the XXXX days. On XXXX XXXX, 2015 I was notified that I failed to make my mortgage payment and was now XXXX days past due. I spoke with a supervisor by the name of XXXX and explained that made a payment, but was told that my payment was XXXX short due to an escrow shortage that they applied to my account effective XXXX XXXX. 2015, so even though they cashed my check they did not apply it and would report my account XXXX days late. I explained that there were issues with escrow, that I had requested statements which I had not received but that most important, I was in the final process of refinancing my loan, WITH THEM, and was told both verbal and written that the escrow issues would no longer be an issue with the new loan and I start over. I was literally scheduled to close in XXXX days, only waiting for final payoff. XXXX XXXX took my payment for XXXX and said she would forward request for credit adjustment. Btw I had received only XXXX notice re escrow, called and asked for previous years escrow accounting because mistakes had been made XXXX made XXXX payments for homeowners ) but never received it. Bottom line, there should never be a reason a person is reported XXXX days late on a mortgage payment for a XXXX escrow shortage. Money that sits in an account and in an amount so insignificant. I will rethink refinancing with this lender but in the meantime, I need my escrow account audited and my XXXX day late to be corrected. At a minimum I have not been adequately informed.
Product: Debt collection

I contacted JJ Marshall on XX/XX/XXXX regarding a debt I was not aware of, I was only asked if I wanted a copy of the report. I told them at that time my husband would contact them. I decided to contact them again on XX/XX/XXXX the person I spoke with for the second time was rude, he also told me that my husband contacted them in XX/XX/XXXX and took full ownership for the acct in question. They have full knowledge that this acct does not belong to myself. I never had a joint acct with my husband anywhere. They are refusing to take it off my credit report, this is the first time that I was even aware it was on my report. I have had my report run various times in the past 8 months and it was not until I tried to purchase a house, that they showed up on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX WITH XXXX  FOR {$380.00}??? How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXXXXXX XXXX  XXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors 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 data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form XXXX, you must report the canceled debt as gross XXXX on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXX are inaccurate and must be removed.
Product: Money transfer, virtual currency, or money service

All money reports to be returned/ reimbursed. I have contacted cash app customer service its all a fake scam supposedly speaking to someone when its a bot and they had threatened to delete my cash app account if I continue to dispute my transaction and having money transfer problems.