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

My name is XXXX XXXX XXXX. I previously provided legal documents to each of the three credit bureaus attesting and verifying this fact. XXXX XXXX XXXX. Again, I attach verifying documents as requested by XXXX, XXXX XXXX, and Equifax. I do not believe the errors in my credit report by mistake. My last name is not, XXXX, but there it is listed in my personal information. I demand strict proof that my name was reported as such, contrary to the CBI position. I have been told the credit bureaus can not honor my prior complaint/request or portion of it based on a limited amount of information. Yet these are the very same credit bureaus who have previously stated they conducted a thorough investigation of my complaints, so which is it? Each of the credit bureaus states their role in the dispute process is to review the accuracy and completeness of any disputed item to which I demand strict proof of their review, accuracy, and completeness. XXXX continues to falsely report past due payments on accounts that have been closed, written off, discharged and forgiven. I demand strict proof of their original investigation into the underlying fraud associated with the use of the XXXX cards. XXXX XXXX  continues to report two late payments on my car payment to which I demand strict proof of these delays, lapses or delinquencies. Equifax claims they are unable to locate a credit file for one of the following reasons. If this is the case how is it that Equifax is reporting credit inquiries on my credit report, continues to fraudulently report the XXXX, XXXX XXXX fraudulent reporting and more. Further, why is Equifax XXXX sending a response to my complaint when the Equifax office in XXXX Georgia has traditionally responded? XXXX XXXX continues to fraudulently report a chapter XXXX bankruptcy that was dismissed without discharge in violation of the law. How is it that CFPB can not get their enforcement act together and appropriately address these matters? I guess corruption pays the better.
Product: Credit reporting or other personal consumer reports

Notice for Proof of Claim Account : -XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, TAB/SUNBIT # XXXX To Whom it XXXX Concern, This is this complaint is submitted Under OHIO LAW U.C.C 1319.12Takingassignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates the contract Law. Where there is no fair valuable consideration given, the contract or agreement is voidable. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( XXXX ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this complaint to TELETRACK. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I learned that I was locked out of my security freeze and fraud alert information on Equifax. I receive updates monthly from other credit bureaus. I was a paying Equifax customer for many years. My information was breached during the Equifax security breach. When I tried contacting Equifax regarding my inability to access my information. I was told they were doing an update. I learned that the security PIN I was given when I initially set up my freeze and fraud alert is no longer required to access the security information. 

Each time I tried to enter my information I was told that an account could not be found. But when I tried recreating my account with the information I knew existed, I was then told you already have an account. When I asked to have a reset sent to my email it never arrived. I believe Equifax is still up to their old fraudulent games. Why would they remove the PIN and then make it easier for someone who has received my information to be able to recreate my account with information that was stolen during the breach. 

I have received at least 5 alerts from XXXX  and XXXX informing me that my information is being sold on the Dark Web. As for any refund for all the years I paid for service, there was none. I submitted a complaint against Equifax when the settlement was first announced. I have received nothing to date from that supposed settlement. I believe Equifax should not even be allowed to continue in business handling secure information. I was told the only way I could verify my identity was to send a copy of my social security card, a drivers license or other very personal information to XXXX, GA. Yes, I understand that's where Equifax is located, but I also know that someone in XXXX is pretending to be me. I don't trust them. I was tricked before into sending information as these to them, but the issue continues.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX, NY XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and XXXX are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ALLY FINANCIAL XXXX Open Date XX/XX/2019 balance : {$270.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting agency everything on my credit report is supposed to be 100 % accurate ..The credit bureaus stated my account was properly investigated but how is that possible when the date open is inaccurate.last payment is inaccurate. Account type is inaccurate. This is grounds for removal they have violated my rights .I sent a dispute for the following accounts and they came back as updated and verified which does not explain how these inaccurate accounts were proved to be verified. I was part of the cfpb data breach. This is why my accounts are coming back verified which is not. Please show me proof how these accounts are verified or delete these accounts from my consumer report. The law clearly states 15 Usc 1681 section 602A I have the right to privacy Law 15 USC 1681 section 604A section 2 states a consumer reporting agency can not furnish an account without my written instructions Please delete these accounts from consumer report XXXX XXXX acct # XXXX XXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX  acct # XXXXXXXX XXXX XXXXXXXX XXXX acct # XXXX XXXXXXXX XXXX  acct # XXXXXXXX XXXX acct # XXXXXXXX XXXX XXXXXXXX acct # XXXXXXXX XXXX XXXX acct # XXXXXXXX XXXX  acct # XXXXXXXX XXXX XXXX acct # XXXX
Product: Mortgage

My mortgage was held by Citizens Bank. I refinanced my mortgage and the new one was sold right back to Citizens Bank. I had to reconfigure my online account and autopay settings. Their system malfunctioned and I was not aware of 2 missed payments. They claim to have sent me a letter and to have called me. But they admit they do not have a record of such a letter and that they use automated robocalls that are often marked as spam. Multiple calls and conversations with them result in unreturned calls or a flat statement of " we did not make any errors ''. I was reported to credit bureaus. 

Every time I have an issue with the account, wait times are between 2 and 5 hours to try to reach anyone. 

Today, I need to change the autopay settings and am currently locked out of the account because it is not recognizing the challenge questions/answers. All of the automated password reset options put me in an endless loop ( 5 or 6 times so far ) and have been on hold for 3 hours to speak to an actual representative.
Product: Debt collection

My son received XXXX XXXX on XX/XX/2016 from XXXX XXXX. Insurance paid a portion, which left a balance of {$270.00}. We relocated, so I did not receive the bills early on. 

The account was turned over to the collection agency, Receivables Management Systems ( RMS ). I discovered it because it showed up on my credit report. The balance had increased to {$530.00}. I've made multiple attempts to pay the original balance that was due. RMS continues to update my credit report and add $ XXXX {$2.00} to this balance every two weeks. The balance is now over {$700.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I have disputed these items numerous times already which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Please note that you have XXXX business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. 


XXXX XXXX Balance : {$1400.00} Date Opened : XX/XX/XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00}
Product: Debt collection

Amount {$1100.00} which is {$890.00} and {$270.00} interest I have written this agency twice ( XX/XX/2020 and around XX/XX/2020 ) requesting documentation that proves this debt to be mine. I requested a copy of any contract with my signature ; I requested verification of their authority to collect on the debt ; the original contract because they are charging interest. I do not recall this debt. I requested validation pursuant to all laws that govern collection matters. I have only received a XXXX XXXX spreadsheet, Nothing from the original creditor, nothing with my signature, nothing with any proof that I contracted or agreed to do any business with the original creditor. 

I have attached the documentation provided by the collection agency. Please know that I requested documentation prior and never received it.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX XXXX, XXXX XXXX, OH XXXX had sent me a 1099-C Cancellation of Debt in 2023 and information is still on my credit report showing as owed. Since this cancels out the debt, I have been trying to have this deleted from my credit report. 


Same problem/issue for Citibank , N.A . ( Home Depot Credit Card ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX
Product: Vehicle loan or lease

I completed my payments on my auto loan on XX/XX/2017, and now, more than 195 days later, all three credit bureaus continue to show the loan outstanding. 

After 90 days had passed -- since that was their window for reporting to the bureaus -- I began calling periodically. I have now called the company 6 times. Each time, I have been told that the company had a computer issue, but it was " recently '' fixed and my account would be reported to the bureaus by the end of the week. An additional 90 days have passed since I was first told that, and the account has still not been reported as paid in full, per a conversation with an agent yesterday. 

I have, on three occasions, asked to speak with a supervisor. I have been passed on to voicemail boxes each time with a promise that I'd get a call back by the end of the day. I have yet to get a call back. 

GM Financial says they update accounts paid in full within 90 days. I have waited more than twice that without any resolution.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer servicend ( XXXX XXXX XXXX XXXX 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 0:39comply with erro, resolution requirefitents under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress
Product: Credit reporting or other personal consumer reports

I am writing to request an investigation of the following information that appears on my credit report. I have NEVER opened or used the following account.
Product: Debt collection

I hope this letter finds you well. I am writing to address a matter of concern regarding my credit card account with your company. I have been a loyal customer, and I have always strived to maintain a good credit history with your institution. 

Recently, I observed that there have been late payments reported on my credit card account for the billing cycles ending in XXXX to XX/XX/ XXXX After reviewing my records and statements, I believe there might be an error or misunderstanding regarding these late payments. I would like to bring this matter to your attention and kindly request that you investigate and rectify the situation. 

XXXX XXXX XXXXXXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service. 

I understand the importance of maintaining a positive credit history, and I am committed to fulfilling my financial responsibilities. However, I firmly believe that there might be a mistake in the reporting of these late payments. I have always made timely payments and have never intentionally missed a due date. 

I value my relationship with XXXX XXXX, and I am confident that we can resolve this matter amicably. I appreciate your prompt attention to this issue and your cooperation in correcting any discrepancies in my credit report.
Product: Debt collection

Capital one continues to capitalize off the # of unexplained NFS charges on credit card purchases account that 's attached to checking account, capital one executive director called on XX/XX/2017 without a resolution but instead to continue causing hardship on economic resources capital one have used tactics to capitalize off members economic resources as capital one continues to delay memorandum of Transparency accuracy of accounts open and accessible to XXXX XXXX XXXX by the end of today 's closing.XX/XX/2017
Product: Mortgage

I found forged XXXX also other settlement documents I had never seen before. 
I also had asked for XXXX insurance be placed on the loan and did n't discover it was n't on the loan or any type of protection until I had received copies of some of the documents that are obvious forgeries. I had also had been turned down 11 times for a modification before I was approved. I still do n't know what is missing that could also have been forged. These forged documents have also been notarized by the title company.There are many laws and. Clearly many laws and Federal regulations have been broken. He seen the documents. I just now learned of the XXXX XXXX dollar settlement that my lender or servicer was apart of. The servicers should have contacted me to let me know of this settlement. I called National Mortgage Settlement and they said too late nothing I can do. I am in a huge mess and do n't know if there is anything that I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I am quarantined, no car and high risk. I made a payment to my Slate credit card at approximately XXXX XXXX. XX/XX/XXXX. 
Today, after a Slate rep. incorrectly informed me XXXX XXXX had not confirmed the payment, and XXXX XXXX wrongfully said the electronic fund transfer had never been received, another rep confirmed that Chase ( parent company of Slate ) had indeed received the payment of {$530.00} but was holding my money ( earning interest ) and withholding these funds from my use for an additional 5 days until XX/XX/XXXX. The excuse given was that because I had chosen to increase my payment to approximately 10 % above my limit of {$500.00}, this additional hold, with no warning given at time of payment, had been placed. Also, each time I called I was lobbied to let them check my credit so they could increase my limit even though we all know now that banks grow rich by selling our personal information as a default instead of leaving it for customers to solicit themselves if they in some unlikely scenario they wanted their data compromised, Here 's what I told Slate, if they want to put a hold on that part of the payment that exceeds my credit limit of {$500.00}, well, they already stage availability by percent of total deposit or certain amounts which is apparently legal, so a hold on the extra 10 % of the payment that is one thing. Placing a hold on the first {$500.00} they received by electronic fund transfer to restore my credit account of {$500.00} limit is another. I have no way to order medications, groceries, transport and other essentials essentially for a week.
Product: Prepaid card

FEMA deposit they reported it as fraud when it wasnt so Ive been waiting on my check to come in the mail. I called and checked up on it and they still didnt send it out after I got email confirmation it was sent out I called to check in and it wasnt sent out still.
Product: Checking or savings account

Today on XX/XX/2018 my navy federal account was frizen without any notifaction!! No rmail no call. When i called i find out that because if XXXX XXXX XXXX  there was a account with XXXX that would not be removed because it was so called verfied and accurate!! Thats was my second time telling XXXX XXXX I have never had a account with them and they have not sent any prove of signature or anything for this account. Just a letter saying verfied! I have XXXX kids and having my account frozen without any warning is very stressful and dangerous for a single mother who is already struggling! This was not the correct way to go about buisness for neither 3 companies