23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address outdated and inaccurate accounts that are still being reported on my credit report by XXXX, XXXX, and Equifax. Specifically, two accounts from the Department of EducationXXXX XXXX XXXX XXXX with balances of {$1700.00} and {$520.00} ) are still appearing on my report, even though they are beyond the seven-year reporting limit established under the Fair Credit Reporting Act ( FCRA ). 

I have previously disputed these accounts with the credit bureaus, but they have failed to remove them, despite their obligations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). According to FCRA Section 605 ( a ), negative information should not be reported beyond seven years, yet these accounts continue to appear, causing potential harm to my credit profile. 

Desired Resolution : I request that the CFPB ensure that XXXX, XXXX, and Equifax remove these outdated accounts from my credit report immediately, as they are beyond the allowable reporting period under federal law. Additionally, I request written confirmation that these accounts have been deleted.
Product: Debt collection

You are still refusing to either delete or change the status of my account with you on my credit report. This account is no longer open, but you still are reporting it as being an open account on my credit report. There are two credit report entries that are still being erroneously reported by you. Once again, any and all of my accounts with you have been included in my Bankruptcy filing and my rights are now protected by the bankruptcy court. You are directly violating my rights and federal laws by allowing mis-information to remain on my credit report. How can a collection account still remain open when the Federal Bankruptcy Laws forbid Collection companies like yours to continue collection activity on a bankruptcy protected account? You seem to think that you are above the laws of our great nation and continue to toe the line of right and wrong by many of your actions. If you force my hand, I will make it my life-long quest to make sure that I raise enough questions about your shady business practices to where an investigation will ultimately open up by one of these regulating agencies on you and finally expose what kind of business practices you are conducting at this collection company of yours. I will make it my life-long quest to expose you for who you are if you want to keep harming peoples credit like you are harming mine right now if you don't remove these erroneously reported accounts from my credit report or change their status from open to closed immediately. Again, They are not open accounts ; they are closed accounts. It is illegal for you to continue collection activity on accounts that are protected by the bankruptcy court as all of mine are including yours as well. However, since you continue to keep reporting these accounts as being open and active, that means that you are still collecting on these accounts because they are still open collection accounts. Yet, they are not and you are forbidden from keeping them in an open status once you were notified by the courts or my attorney that these accounts can no longer be collected on and that they need to be closed out. You refuse to close them out and thus now you are in violation of federal laws. Close them.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I sent Exeter finance a letter requesting all documentary evidence on the public and private side pursuant to stipulations in the GAAP. And my copy b of 1099c form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are incorrectly reporting a charge-off account where I am shown as an Authorized User on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to fix this issue however, I have not been successful.
Product: Mortgage

XXXX has fraudulently continued to service a mortgage loan and they were supposed to cease all mortgage activity in XXXX XXXX, but XXXX XXXX my title was changed out of my name into XXXX and XXXX without my knowledge and on XXXX/XXXX/XXXX the title was vacated and was supposed to be changed back in my name and it is still not in my name name. I should have my home free and clear and my title free and clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 'm a victim of identity theft. The following XXXX credit card account is listed on my XXXX XXXX, Equifax and XXXX credit credit report and it 's a fraudulent and unauthorized account. I never applied for the following XXXX credit card account : XXXX. Someone stole my personal information and identity, and fraudulently applied for and used the above XXXX credit card account. The XXXX credit card account do n't belong to me, because I did n't apply for the account.
Product: Debt collection

I have attached a letter to XXXX XXXX XXXX outlining potentially illegal activity that they have engaged. They have not validated an alleged date, failed to provide any written communication to me as well as reported to all credit bureaus without due process and following the law. 

I have filed disputes with all credit bureaus and sent them the attached letter. This reporting is meant to document the letter sent for a formal response given the appearance of their disregard for the law.
Product: Debt collection

Under the CFPB debit credit reporting changes as of XX/XX/2023 no medical debit under {$500.00} is legally allowed to be reported to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

i have been a victim of identity theft in the past. My information has been involved in a recent data Breach. These new inquiries were not authorized by me and i demand the removal of these accounts. I am alleging that a person or company without authorization from unauthorized use of my social security number and card used my personal info to apply for goods, services or money. I Have no knowledge of these inquires and need them removed from my account immediately because it is hurting my chances of receiving a mortgage.. Inquires that were not authorized are -XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and DELETE : XXXX XXXX XXXX  XXXX Date opened XX/XX/2015 XXXX
Product: Debt collection

I have been disputing this debt for years. This is from a dental bill which my original dentist was part of a preferred provider great. His practice was sold to another dentist and the charges skyrocketed. I asked for a detailed accounting of all charges and payments from the dentist and the collection company and they would never provide it to me. I kept telling them I was being overcharged so I left that dentist. The charges originally were supposedly {$700.00} but I could never get an accounting so I could compare what was paid and allowed by my insurance company. There seems to be no oversight on the collection agency and have reported negatively to all credit agencies.
Product: Credit reporting or other personal consumer reports

I called equifax and XXXX to let them know that I noticed unauthorized inquiries on my credit report and wanted them removed. They both told me they are not to remove the inquiry and to send in identification
Product: Money transfer, virtual currency, or money service

I am filing CashApp ( Block , Inc . ) due to inadequate customer service and unfair practices, which violated the Consumer Financial Protection Act ( CFPA ). Specifically CashApp 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 ubfair and deceptive, and they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant and inconvenience and financial loss, and I seek appropriate redress for these violations.
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 Date Opened : XX/XX/year> Balance Owed : {$0.00} Late/Closed
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, this is my second time trying to get these accounts removed from the credit bureaus. I pulled my credit report through a website called XXXX. I saw there were a few accounts and credit inquiries on my credit report without my knowledge. I am a victim of identity theft. I did some research and come to find out, they are indeed 100 % unauthorized. On XX/XX/XXXX, I contacted the 3 credit bureaus regarding these accounts and they were no help at all. This is very frustrating because I keep on calling and calling and still nothing
Product: Money transfer, virtual currency, or money service

I used my Cash App card to pay for a hotel room and the incidentals on XX/XX/2022. The amount the card was preauthorized for was {$190.00}. The settled amount was for {$160.00}. CashApp is refusing release the difference between what was charged versus what was held for the authorization. Saying that I must dispute the transaction that they do not get an updated amount from the merchant. Its my responsibility to contact them and have them refund the amount to me as they were sent the entire amount. Which is invalid and not accurate as this is not at all how pre-authorizations work. I have tried to get them to correct this, showing them that theyre blatantly lying when they have said they dont receive the updated amount the card is processed for that is literally included as part of the transactions details in the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

Account name : XXXX XXXX Bank - Account # 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't 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 XXXX years. 

15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

There funds transferred from my checking account to someone else 's account that was not authorized by me. I went the process of filing a dispute and my dispute was denied in less than XXXX hours without a proper investigation. I then had my claim reopened under chimes policy if there investigation takes longer than 10days I would be eligible for a temporary credit well 10 days had passed, once I called chime and notified them while on the phone and the representative saying my funds a being credited back to my account I received a email saying my claim had been denied. Chime isn't upholding there policies to there customers nor upholding there obligations I was transferred to the supervisor and in mid conversation began to be disrespected then hung up on.
Product: Student loan

I am writing this letter to request an account review for my student loans serviced by American Education Services due to my current situation. This is my last and final request. I have met with a bankruptcy attorney regarding these loans, and I was informed that I do qualify for a hardship exception based on my XXXX and limited XXXX income. I am prepared to file for bankruptcy XX/XX/2016 if National Collegiate Trust does not move forward and make an exception and forgive these loans due to my XXXX. I understand these loans do not have a forgiveness option. I did have other student loans with other companies which did not have a forgiveness option, and they chose to make an exception and forgive my loans anyway due to the severity of my XXXX and I am aware that National Collegiate Trust also has the discretion to do this. I have been XXXX for over 4 years and there is no cure for my life-threatening disease. I will have this disabling condition the rest of my life and will not be able to return to work and it will eventually result in my early death. 

Please seriously consider my request for loan forgiveness. Please feel free to contact me with any questions. 

Sincerely, XXXX XXXX
Product: Checking or savings account

Hello. I have a savings account with Apple card via Goldman Sachs but for some unknown reasons the account has been locked. I have spoken to the customer service but kept being advised the reason it was locked was because an investigation is pending and someone would return my inquiry within days. I do not know why my account is being investigated. Oddly, interests are allowed to be accumulated but I can not withdraw any money. I have called innumerable times over the past 6 months but received the same response each time that someone would respond in a few days but NO ONE EVER RESPONDED. This is absolutely absurd and frustrating. Goldman Sachs would not provide any answer. PLEASE HELPPPPP! 

Thank you, XXXX XXXX
Product: Mortgage

I was furloughed without pay from my job on XX/XX/2020 because of COVID-19. My wife 's hours have been reduced because of COVID-19. Our income has been severely reduced and so I applied for forbearance of our mortgage payments. Citizens One, the loan servicer, has not responded, has continued to send notices that I missed the payments due XX/XX/2020 and XX/XX/2020, and has charged a late fee. 

On XX/XX/2020 I sent a message to, asking what my options were and what they were doing to comply with the New York State emergency regulations recently passed in response to COVID-19. On XX/XX/2020, I received a response that I should apply for assistance through a separate " Assistance Center '' ( XXXX ) which required registering a separate username. 

On XX/XX/2020 I created a username and applied for assistance through the assistance center. I received confirmation that " You currently have an active Request for Assistance! '' According to an assistance center support/FAQ page ( https : //loansolutioncenter.com/Citizens/en-US/Content/COVID19 ) according to the FAQ 's : " After selecting the button ( Got to Requirements List ), you may be presented with a message indicating that there are no requirements available. This is common for COVID-19 situations and simply means you are not required to upload documents at this time. '' As of XX/XX/2020, I have not received any response and my request for assistance is still active, but the status is unchanged. On XX/XX/2020 our account was charged a late fee. We have received a monthly statement showing that our payments are behind and at least two separate late payment notices, on XX/XX/2020 and XX/XX/2020. 

I now realize that my initial question about NYS emergency guidelines is probably inapplicable because ours is a USDA guaranteed loan. Under the Federal CARES ACT, according to the guidance issued by the USDA : " Effective immediately upon receiving a request for a forbearance from a borrower who attests to financial hardship directly or indirectly caused by COVID-19,  lenders shall provide immediate forbearance of the borrowers Single Family Housing Guaranteed Loan payment for a period of up to 180 days '' ... " During the forbearance options outlined above, no accrual of fees, penalties or interest may be charged to the borrower beyond the amounts calculated as if the borrower had made all contractual payments in a timely fashion. ''
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX XXXX XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX Subject : Dispute of Charge-Off Status and Non-Receipt of 1099-C Form Dear Sir/Madam, I am writing to formally dispute the charge-off entry on my credit report for the account with Westlake Financial Services. Specifically, I am disputing the charge-off status and the fact that I have not received a 1099-C ( Cancellation of Debt ) form for this account, which I believe should have been issued to me. 

Here are the details for the disputed account : Account Number : XXXX Creditors Name : Westlake Financial Services Charge-Off Date : XX/XX/XXXX last updated XX/XX/XXXX The IRS requires a 1099-C form to be issued to individuals when their debt has been canceled or forgiven. This form must be provided within a certain timeframe. As of today, I have not received a 1099-C form from Westlake Financial Services , nor have I been notified of any cancellation or forgiveness of debt.

I believe this charge-off status is being reported inaccurately, as I have not received any formal notification or documentation ( such as a 1099-C ) indicating that my debt was officially canceled. In light of this, I respectfully request that the CFPB assist with investigating the validity of this charge-off entry and a correction to my credit report. 

If Westlake Financial Services is unable to provide a 1099-C form or valid proof of debt cancellation, I request that this charge-off entry be removed from my credit report as it may have been reported in error. 


Please complete the investigation and provide me with the results of your findings. If this charge-off is deemed inaccurate or unverifiable, I request that it be removed from my credit report immediately. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian account was hacked by someone. I received an email on XX/XX/XXXX @ XXXX in the morning that some one had change my information. I called Experian on XXXX to address the issue and try to take my account back over. The person who I spoke with had informed me that all my security question had been change as well as email and phone number. At this point we tried to switch my email back and reset password. But the person who hacked my credit account had created a pin number. I was told by the rep that she would have to send this over to the XXXX department and have them contact me by email with in XXXX hours. I never received an email from them with XXXX hours. So on XX/XX/XXXX a received another email that the person was trying to log back in to the account. I called Experian as soon as received the email. Spoke to XXXX different rep one name XXXX neither on was helpful. I offer to provide them with my birth certificate and drives license and any other documentation they would need. They would never transfer me to the security department to fix the problem. Then I was told they had up to 5 days to address this after being told on the XXXX that they were escalating this and would hear back in XXXX hours. This was alarming to me as it seems you use these company 's to help with your credit and now someone is done fraud and you just keep getting the run around. This person who has hacked my credit accounts has opened a cell phone account and has run other things to open accounts. At the end of this conversation I had to close my credit account because know was helping me to retrieve it and set up security alerts. Just to be told to create another one. Experian and it works have horrible customer service and to me it makes me think this was an inside job from their company. I was given this email address XXXX for the person hacking along with this phone XXXX.
Product: Vehicle loan or lease

This is the second complaint I have against Truist Bank and I highly recommend to avoid this establishment at all costs. Not only was I lied to about my title being shipped but they couldnt provide an email, fax number, or even a corporate number to contact. They told me, after refinancing with a new banking service, that in late XXXX they shipped out my title to my current lender. I figured out that was a complete lie after calling them this late afternoon on XX/XX/XXXX. Now my current lender is threatening my loan by stating it is an unsecured loan and that if the title is not within their hands soon that my XXXX will increase to 18 %. To shed some light on the situation, the loan was paid off in XXXX and my title is still not in the hands of my new lender by late XXXX. Also, the only service Truist could provide is a case number and a leinholder release form that is being shipped within 15 days to me. So for the sake of every consumer out there just stay far away from this banking service.