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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX and XX/XX/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: Debt collection

The car was deemed total loss and being taken care of by XXXX. Exeter finance then contacted my employer and gave them personal information. I called the company previously and asked them to not contact my employer in regards to my personal auto loan.
Product: Debt collection

On XXXX/XXXX/2017, at about XXXX XXXX they contacted a relative and shared personal financial information including my name, social security number, amount of debt, and nature of debt with him without permission or confirmation that they were speaking to the right person. The relative repeatedly told them that he was uncomfortable sharing or confirming my financial information. XXXX shared significant financial information with him.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this my second complaint. It is very disappointing that Equifax is not following the law. I have asked on multiple disputes for Equifax properly dispute the accounts in question. I have also asked Equifax to please send me a proper METHOD OF VALIDATION. I asked Equifax who they talked to, What email they sent to these furnisher, what was the dispute reasons, I asked Equifax to send me a copy of the responses the furnisher sent back. I also sent Equifax this ... ....

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous items on my credit report involving a transaction. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report.

I am absolutely certain that the item I disputed is incorrect and unverifiable and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with.Please include all names and contact information of employees that you spoke to act as part of this investigation.

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, with  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX so I need specific answers to the specific questions asked of you in this letter. 
I expect to receive a response within 15 days of receipt of this letter via U.S. Postal MAIL, or I will expect to see the item in question permanently expunged from my record. 
Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 
Very Respectfully Equifax continues to ignore my demands
Product: Credit reporting 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 items in my report and found that I need to visit FEDERAL TRADE COMMISSION 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 blocking 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting or other personal consumer reports

I am currently reviewing my Equifax Credit Report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I settled this debt with an agency representing Santander roughly 2 years ago for exactly XXXX dollars. Now Santander apparently did not status my account settled and illegally sold my difficiency balance and has a law firm of XXXX in NJ suing on behalf of the purchaser of the debt XXXX. This is exactly what the CFPB has been fighting, poor record keeping, chain of title and shady operations and debt purchasers going after people who no longer owe on their debt. I am getting my statements which I have to pay for to pull the statement that reflects the XXXX payment I paid. Why would I pay XXXX and then stop paying if it was n't a settlement? That makes no sense. If you can get the collector notes and or recorded call it is with a 100 % certainty you will see and hear a settlement was completed for XXXX dollars. It actually was going to be XXXX, but I had to borrow from my girlfriend/family so I negotiated with agency to pay XXXX. I need your help in ending banks and debt purchasers who operate like this. This is why people have a poor perception of banks and debt collection because of banks like this.
Product: Debt collection

I contacted LVNV Funding LLC with a letter asking for copy of my wet signature of contract. It wasnt valet debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous dispute XXXX XXXXXXXX Equifax replied that 5 fraudulent inquiries were deleted from my file ; However the HARD INQUIRIES STILL REMAIN ON THE FILE. According to them, on XX/XX/2022 : XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX XXXXXXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry XXXX XXXX XXXX XXXXXXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Inquiry : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. 

In subsequent credit reports, and after several phone calls, they indicate that all they can do is dispute the information again. If they already investigated and say they were deleted, why do they still show on my file and why can't the file be corrected accordingly? 

Again they replied to the CFPB on XX/XX/2022, but the response is not correct and ITEMS THEY SAY WERE DELETED HAVE NOT BEEN DELETED! 

I am attempting to obtain credit and these erroneous inquiries are hindering my ability to do that.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 



Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing sham investigations and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 



These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.
Product: Money transfer, virtual currency, or money service

I am expressing my concerns regarding Cash App 's mishandling of disputes, particularly in light if the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Cash App on numerous occasions and reporting all discrepancies, my financial institution and Cash App failed to investigate my claims adequately. They informed mr that recovering lost funds was impossible and that tracking these transactions d was unfeasible. The CFPB 's findings indicate that Cash App has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of transparency and accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX is reporting the account type as open, while Experian is reporting it as a collection account. Which one is it? Is it open, a collection account, is it charged off or is it not? Why are there so many incomplete fields? Did XXXX XXXX  not supply that information to you? 
Why is the date last active XX/XX/XXXX with XXXX XXXX but XX/XX/XXXX with Experian? 
Which one is it? 

Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Mortgage

My name is XXXX XXXX, my complaint ID number is XXXX. And my complaint is with select portfolio service, mortgage company earlier this year I was approved for a hardship loan around XXXX or XX/XX/XXXX. And They took the loan back because I was XXXX days late to get a paper signed and returned to them, I told them that I was in the hospital is the reason why, I couldn't help that I had to go into the hospital I have XXXX and they are trying to force me to redo all the paperwork I really need help. Iam truly having hardship, every since XX/XX/XXXX work had slowed down for me and it made life very hard because of XXXX, whoever this complaint please have mercy, if you only knew what it is like to be living in fear uncertainty sleeplessness
Product: Credit reporting or other personal consumer reports

I submitted a dispute with experience XXXX of XXXX because Continental Finance which who I had a surge credit card through issued by Celtic Bank is reporting that the account is open. The account is not open I voluntarily close this account XXXX of XXXX. The result of the dispute that I filed with XXXX in XXXX was completed XX/XX/XXXX they changed nothing on my credit report and showing the account still as open when it is closed. I will be attaching a letter that I received from Continental Finance Celtic Bank issuer of surge credit card stating to the fact that the account is permanently closed.
Product: Debt collection

They are trying to charge me for service that they were unable to render to me. after three months of having them come to my house to install and fix the service that they were trying to render to me I had decided to disconnected my service with them. Now that account is in collections I have contacted the collection agency I did a written dispute in detail and now have to deal with unnecessary collectors.
Product: Checking or savings account

I issued a bank of America check number XXXX of XXXX XXXX XXXX XXXX XXXX  XXXX dollars XXXX cent ( {$1600.00} ) with date XX/XX/21 to XXXX XXXX for my XXXX mortgage payment knowing fully well that my salary enters the account unfailingly by XX/XX/21. 
To my greatest surprise Bank of America charged my account returned item fee of {$35.00} on XX/XX/21 for a check dated XX/XX/21. On XX/XX/21 deposit of {$2500.00} was made into my account and the {$1600.00} was payed to XXXX XXXX, i called Bank of America customer care twice and all efforts made to make them refund my {$35.00} were abortive hence this complain. 
To the best of my knowledge a check is not surpose to be honored before the date on it. XXXX XXXX should charge me late fee if the check if dishonored for lack of fund. kindly use your good office to fix it
Product: Credit reporting, credit repair services, or other personal consumer reports

On Sunday XX/XX/XXXX I checked my Experian report and these false accounts that have been disputed three times are still reporting. I have sent three certified letters to Experian to correct, remove and provide verification and proof within 15 days they have ignored. 

XXXX XXXX XXXX XXXX accounts all say they are current when they have been closed for years if they are mine I do not recognize them. This gives me multiple late payments. I called and spoke with XXXX fir an hour last week and he promised the would be removed and they are still there. 

Further on the XXXX XXXX IT is missing required information such as balance, status and amount owed as well as date of first delinquency and date of last activity. Further the status date was not when I have disputed it is dated XXXX!!?!? NO INVESTIGATION HAS EVER BEEN DONE SO MUST DELETE! 

XXXX XXXX ACCOUNT also says CURRENT when if it is mine I dont recognize it was listed as closed a XXXX. FURTHER AND SHOCKINGLY it has the DATE OPENED XX/XX/XXXX AFTER THE STATUS DATE AND THE balance updated??!?! CLEARLY FALSE INFO MUST BE DELETED! 

XXXX ACCOUNT IS ALSO LISTED AS CURRENT AND IS MISSING CRITICAL INFORMATION SUCH AS date of last activity date of first delinquency and it was also never investigated as required and lied about by Experian because the status date us three years ago!! Must delete! 

XXXX XXXX account has been disputed multiple times because it is TOO OLD TO REPORT AS THE DARE OF FIRSTDEMI QUENCY WAS iver 7.5 years ago. The payment schedule has NO DATA FOR THAT TIME PERIOD AND THE STATUS UPDATE IS Five YEARS AGO! DELETE FOR TOO OLD AND FOR LYING ABOUT-INVESTIGATION AND DELETE!!!
Product: Money transfer, virtual currency, or money service

Have a credit card balance with GREENSKY and have paid all payments, ( a total of 41 or 42 now ) but in XXXX they said I did not pay. Twice I printed out the transaction pages from an electronic payment transfer service offered by my credit union XXXX XXXX XXXX XXXX. I also sent an Email to the XXXX XXXX  XXXX XXXX explaining I paid but GREENSKY is saying no. ( At this point I thought I have fullfilled the requirements of CFB 12 SUBPART A SECTION 1005.1 TO 1005.20, as well as Regulation k and Regulation E. GREENSKY JUST WANTS PAID, in fact before the last letter I paid the usual {$200.00} I have paid on all previous payments. The amount billed monthly is {$65.00},- there when I paid {$200.00} in XXXX HAD I NOT PAID IN XXXX I would have been current,- but after that said payment they billed {$200.00} that included late charges etc., which is XXXX XXXX, because I paid before letter. I'm ahead on my payment schedule. Greensky has offered no rebuttal to my two letters, printouts of accounts, the XXXX XXXX  XXXX XXXX HAS NOT REPLIED OR CONTACTED ME. Now Greensky wants me to just pay using their patient solution, so IF YOU NEED PROOF THEY DON'T CARE ABOUT RULES AND REGULATIONS THERE IT IS!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Trans Union are reporting inaccurate information pertaining to a bankruptcy, all XXXX agencies show different information. Under the law all 3 agencies must report same information XXXX has file date XX/XX/XXXX TransUnion has file date XX/XX/XXXX XXXX has file date XX/XX/XXXX XXXX has Ref # XXXX TransUnion has Ref # XXXX XXXX has Ref # XXXX XXXX has month of discharge - None TransUnion has month of discharge - XX/XX/XXXX XXXX has month of discharge - None XXXX shows address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion shows address - XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX shows address - XXXX XXXX XXXX shows Type of Court XXXX XXXX XXXX XXXXXXXX TransUnion shows Type of Court XXXX XXXX XXXX  XXXX XXXX shows Type of Court - XXXX XXXX XXXX  XXXX shows phone # XXXX TransUnion shows phone # XXXX XXXX shows none
Product: Credit reporting or other personal consumer reports

I am disputing negative criminal information thats been reported on my background. The judge have signed off and dismissed case. This inaccurate information is keeping me from employment with XXXX and XXXX eats. Please have item removed from my background report. Its unfair reporting is causing me a financial loss.
Product: Mortgage

XXXX customer service told me my mortgage payments were current and I did not have to pay the XXXX XXXX payment because I had done a loan modification and the loan was current. The payments are {$840.00} each. But they require that the payments be sent by XXXX XXXX because the payments can not be paid online at their site. That 's another {$16.00}. The total payment is $ XXXX/mo. I was current until they said I did n't have to pay the XXXX Payment. I paid the XXXX payment today and went online to check the amount and it says I owe for XXXX and XXXX. I sent the XXXX payment via XXXX XXXX as usual for the XXXX Payment. I called and they said I owe both months {$1700.00}. The customer service people who told me I did n't have to pay I questioned and she put her supervisor on the line too. He said the same thing, the loan was current. That call was on XXXX/XXXX/XXXX. I called yesterday and the customer service rep I spoke too said they should not have told me that and that they had mislead ( lied ) to me and she had notes in the file that they did in fact tell me that and that all their calls are recorded. She said she would get back to me because she wanted her supervisor to review the phone recording and ask me if that was ok. I am praying its not the same supervisor that lied before. I checked today and there is a class action lawsuit filed against this company in Colorado where they are located and multiple other complaints. I am sacred that I might loose my home and have been sick and XXXX XXXX last year. It would be impossible for me to move now. But based on their information my loan is current and has been since the modification last XXXX XXXX. But I think they tried and are still trying to file foreclosure on my home. The last one cost me {$13000.00} on top of my mortgage and I received a new loan modification package from them yesterday. I did not ask for a modification. My loan is current except for their trickery about the XXXX XXXX payment. I 'm worried since my credit is bad because of my illness last year and to refinance would be difficult for me because I 'm self employed. And when I requested a payoff statement from them or even payment coupons they would not give them to me. The loan officer I went too said to get another loan I had to have a payoff statement. They will not give me one. I 'm trapped and they are going to steal my home. 
Sincerely, XXXX XXXX XXXX
Product: Money transfers

I have an abusive, alcoholic husband. I met a man named XXXX XXXX on XXXX who began talking to me and promising to get me out of the situation. He requested money from me on numerous occasions to help with his project in XXXX, being an XXXX, and once requesting money to help with one of his sons that was in the hospital. I got away from my abusive husband with a promise from " XXXX '' that he would meet me at the XXXX, XXXX airport on Tuesday, XXXX XXXX around XXXX ; however, he then started messaging me to let me know he was told that he had exceeded his maximum withdrawals on his account and could not get money to purchase plane tickets for him and his XXXX sons. He said he was supposed to meet a man on XXXX that would loan him {$3700.00} to be able to purchase the tickets ; however, then he has begun asking me to send more money to him. He knows I will be getting a 401K withdrawal of {$4000.00} on XXXX and has requested I send him the {$3700.00} and when he arrives in the US he will give me that money back, plus the money I already sent him. I sent him a total of {$9100.00} since early XXXX, not realizing I had sent him that much money. He promised to get me away from my abusive situation, take me on a shopping spree, has purchased a car for me, and will take me to live with him in his mansion in XXXX. Having lived an abused life, all of this sounded amazing to me. I suggested to him that I would send him prepaid plane tickets because a friend said she would loan me the money, but he said he did n't want my friend 's money. He wanted mine. He claims he is anxious to get back to the US and be with me, but he did not take the offer of prepaid plane tickets. He wants the cash. The money grams I sent were not sent to a XXXX XXXX, but rather XXXX of them to a XXXX and the last to a XXXX. My friend found this character on a website : XXXX. He is continuing to message me and became upset with me when I told him my friend found out I had wired money to him. He said he thought the money was our secret.
Product: Debt collection

I originally tried to pay this bill to the hospital XXXX ( orignal owner of my debt ). I had XXXX and was waiting to get a few pay checks to get caught up. I know I owed this money, not trying to get out of that. I received a bill from XXXX and I called in ( being proactive ) and I paid my bill in full. I also asked them to make a note on my account that I attempted to pay the bill to the original debt owner ( hospital XXXX ). The lady handling my case was rude to me and called me goofy for wanting that noted. Then she hung up on me. Rude to me and calling me names when I am paying my bill in full is uncalled for. No wonder these people have bad reputations.