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 has violated my rights by reporting an inaccurate false account to Transunion credit bureau. I have no open account with XXXX XXXX XXXX, nor have I ever done business with XXXX XXXX XXXX and/or any business it may be representing. XXXX XXXX XXXX recently reported that an account was opened on XXXXXXXX XXXX XXXX, with XXXX as the original creditor. I have had no communications with XXXX XXXX XXXX and/or XXXX before its reporting of said inaccurate false account to the credit bureau in the amount of {$150.00}. I have called XXXX seeking information regarding said account with XXXX XXXX XXXX. XXXX has stated to me that because XXXXXXXX XXXX XXXXXXXX does not have an account number listed on the credit bureau report and because my identifying information and/or my name is not in its system it can not help me in finding out why XXXXXXXX XXXX XXXX  is reporting an inaccurate false account to the credit bureau XXXX XXXX XXXX XXXX has violated my rights under the following codes : 15 U.S. Code 1681 ( a ) ( b ) - Congressional findings and statement of purpose 15 U.S. Code 1692e - False or misleading representations A debt collector may use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. ( XXXX ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( XXXX ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. XXXX XXXX XXXX has violated my rights by continuously reporting an inaccurate collection account to Transunion credit bureau. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) 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 information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed some inaccuracies ranging from XXXX XXXX- XXXX XXXX. I have XXXX hard inquiries that was recently added that I would like to be verified. I haven't applied for anything and I would like you guys to send me a copy of the documents with my wet ink signature and why these hard inquiries was added to my credit report. Please furnish original contract to my email for these inquiries at ( XXXX ) Name : XXXX XXXX ( XXXX ) Name : XXXX  XXXX ( XXXX ) Name : XXXX Name : Flagship Cre Name : XXXX XXXX  Name : XXXX XXXX Name : XXXX
Product: Debt collection

I phoned the company and told them the account was paid in full and that they were still reporting that I owed XXXX $ on my credit. I asked them to update their information to reflect account paid in full over 2 years ago and also sent two emails about the situation to no avail.
Product: Debt collection

I received a letter from collection receivables inc. on XX/XX/2021 stating that I owe a debt to XXXX XXXX of {$1000.00}. I have not received any notification from XXXX XXXX stating that I owe any amount until I received this notice. I contacted the collection agency stating that I do not recognize this debt in the fact that I have not attended that gym and only believed I had signed up for a trial which I have never used. I told them that I would be sending a validity of debt letter and would like this debt to be verified in writing and sent the letter on XX/XX/2021. I have never received anything in the mail from the collection agency verifying the debt and received another call on XX/XX/XXXX with another attempt to collect. I was explaining that I have sent a letter to the office asking for written verification of the debt and they stated they did not have to send me anything in the mail and abruptly put me on hold with no notice or disconnected the call. I called back and the person on the phone began to yell and speak to me in a very unprofessional manner after I asked her not to yell and cut me off as I was just asking questions I had to hang up because she refused to answer me about the validation of debt. I have connected them in writing before the 30 days and they did not contact me in writing or by phone after I sent the letter and therefore have not contacted until after the allotted amount of time. I have a copy of the letter I sent disputing the debt and also have the original letter in the mail from collection receivables inc.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went back to XXXX to turn in my lease. I made the last payment and filled out paperwork to turn vehicle back in. XXXX took pictures of the vehicle and had me sign off on paperwork that was going to be turned in to Ally auto. That day I purchased a new XX/XX/XXXXXXXX and placed it on a lease. 

A month after, I received email and a notice in the mail stating that I didnt turn in my vehicle. I called XXXX to talk to my sales rep and a manager told me that my sales rep no longer worked for the company. I was told by the manager they had several attempts on sending the needed documentation to Ally and werent sure why the information wasnt getting received. I was told they would make sure they send it over and that I wouldnt have to worry about it. 

The notices in the mail continued however I figured they werent something I needed to worry about because XXXX would take care of it. 

XXXX I called Ally and they stated they never received documentation, stating that I would have to take care of a balance. I requested for an email for documentation purposes and was told they wouldnt be able to email me. 

XXXX I called XXXX and notified manager about my conversation with Ally. I was told they would take care of it and would call me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

+ 15 USC 1666B : A creditor may not treat a payment on a credit card account under age. IK open end consumer credit plan as late for an purpose. 
Additionally, my XXXX  XXXX is still on my report and is discharged - it shouldnt be on my report any longer.
Product: Credit reporting or other personal consumer reports

I tried to see my equifax report and it says that for promitional reasons it locked or something like that it gives me somewhat if a summary with pretty much no Information and I sent them via registered us mail disputes about credit collections on report and about information addresses names phone numbers everything on my report that is not right and is causing me a lot of problems also sent all three bureaus disputes and a demand letter also dispute letter and threatened to even sue if there was anything on my report that was not 100percent positive that it belonged to me there should be some documentation that proves this belongs to me! And if they didnt have that then the stuff should be removed! This information ruins peoples lifes in a lot of ways,, TransUnion and equifax said that they needed more information to tell if its really me and exsperian is investigating some of my disputes and I asked all of them to send me written documentation of the results,,, i am going to file suit in all of them and make them prove what they have on my report! That effects my home my work and my financial status in other words cost me s lot of money if there is anything wrong on it!!!
Product: Mortgage

Please investigate freedom mortgage. I have a mortgage that originated at XXXX and this company refuses to remove the MIP as I am now elligable at over 20 % equity and I meet all other requirements. The original loan number is XXXX XXXX / FILE NUMBER XXXX XXXX / MORTGAGE INS CASE NUMBER XXXX XXXX XXXX. Freedom mortgage is the refinance company and they have refused any assistance to make sure this MIP is removed in a timely manner. Freedom mortgage refinanced the amount of XXXX and they refuse to accept the original purchase amount of the home was XXXX. I meet ALL requirements and I have NEVER made a late payment in the history of this home purchase. 

This company has denied all attempts to have the MIP removed and they decline to acknowledge that I am eligible for the MIP removal. My current loan balance is XXXX and the original loan balance was XXXX. This company refuses to acknowledge that I presented ALL purchase documents to them upon the processing of the refinance with them which would very clearly show the original purchase amount and date of which they deny ever receiving. Given the math I need to verify that I am at XXXX LTV and there is no one to help me with this complaint of being ignored by this mortgage company. Please help me.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 paid my XXXX account on time everytime I need this delinquency removed as soon as possible
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I placed a freeze request with all three credit reporting agencies because of fraud more than 5 years ago. I lifted a freeze in recent history-once in XXXX and XX/XX/2023. Transunion did not replace the freeze in XXXX and did not warn me. The customer can make a mistake following prompts and be unaware. You do not receive live assistance if an error is detected. Transunion needs to improve its telephonic communication system drastically.
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago my identity was stolen by someone who used it to get credit cards and loans under my name, and affected my credit so badly that I had to dispute the accounts with the bureaus. They helped me at first and everything was going well, until this past XXXX, when I checked my credit reports after not pulling them for quite a while, only to find some of the previous accounts that I had disputed years before back into my records for some reason. At first I wanted to make things right once again by phone calls with the bureaus, but their answer was that I needed to treat this as a new case of identity theft and needed to follow the usual protocol. So I started disputing the fraudulent accounts once again, but it's been 5 months and the accounts still appear on my reports, and I'm starting to wonder if the bureaus are actually checking my case or just discarding everything I send to them. Currently I'm disputing a charge card account from XXXX XXXX XXXX, some credit card accounts from XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX and XXXX XXXX, and also , some addresses that don't belong to me, but are being reported too. I really feel quite anxious about this and don't know what else to do regarding this situation. I'm having trouble getting the creditors to acknowledge me as a good consumer because of the information that's being reported and I don't know how long I can take it. I ask for your help on this matter, because I don't want any more time passing by and be stuck in this situation forever. Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX. XX/XX/2022 XXXX - XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX  XX/XX/2022 XXXX. XX/XX/2022 XXXX XXXX XXXX. XX/XX/2022 XXXX XXXX. XX/XX/2022 XXXX. XX/XX/2022 The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

CREDIT COLLECTION SERV is charging me for a debt that I do not owe. I'm asking that this debt be verified according to the fair credit reporting act.
Product: Bank account or service

On Friday, XXXX XXXX, I logged in to my Bank of America Mobile Banking app to check my balance. A XXXX transaction had posted earlier in the day, leaving my account with a negative balance of - {$3.00}. I had {$4.00} transferred to the account to re-establish a positive balance. Later in the day, unbeknownst to me, another transaction posted ( perhaps a tip at a restaurant? But I really have no I idea ) leaving me with a negative balance of - {$2.00}. I was not notified that my account had overdrafted, and I did not discover this until XXXX on XXXX XXXX, too late to put {$2.00} in my account. I was provided with no notice of the overdraft, even though the Bank claims to provide courtesy balance alerts of their own initiative. So, I was charged a {$35.00} overdraft fee. I called customer service, where I was treated rudely and impersonally. I asked for a refund on the fee, which they did not provide, even though I acted in good faith to maintain a positive balance. It has been my experience that transactions with Bank of America post after XXXX, and I am confused about the timing of this transaction, and upset that I was charged the fee, when I could have easily funded the account had I been notified of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$360.00} XXXX XXXX  XXXX Balance : {$460.00} XXXX FIN XXXX Balance : {$5000.00}
Product: Money transfer, virtual currency, or money service

I'm filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. In addition, their dispute resolution process was unreliable and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I'm seeking appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My debt with DFAS has been paid off for over a month and I have been contesting it several times and submitted evidence of payment since the debt was paid through the Department of Treasury but they refuse to look into it and update the status ; they keep showing it as past due, which is not. Tresury Department says it is paid off, as does DFAS. The original collections company does not hold this debt and therefore they do not have access to the debt information. This has prevented me from an FHA loan only because the credit bureaus refuse to actually look into this situation.
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. 
Account name : XXXX XXXX, Account NumberXXXX Account name : XXXX XXXX  Account NumberXXXX XXXX Account name : XXXX Account Number : XXXX, Account name : # 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 without my written instructions.

15 U.S.C 1681c. ( A ) ( 5 ) Section- States no consumer reporting agency containing any of the following items of information any other adverse item of information other than the records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act Experian account # XXXX, has violated my rights.15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions. Also 15 USC 1666B states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$35000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ACCT ( Original Creditor : 1XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I was shocked to see an unauthorized inquiry on my credit report this morning, and I have absolutely no explanation for it. I check my report frequently, and this was a complete surprise. I even refreshed my browser multiple times, hoping it was a glitch, but the inquiry didnt disappear. This is infuriating, and I need this issue fixed at once. I demand that my submitted documents be reviewed thoroughly so I never have to experience this kind of unnecessary worry again.
Product: Mortgage

Wells Fargo took out reverse mortgage on a rental property I had instead of on my home, which I needed one on to pay mortgage and to remove husband 's name from it per divorce. This eventually forced me to move to that house, and my ex husband filed lawsuit for contempt!!! So I was forced to sell my long time home and move to unsuitable property that I could not XXXX ... All because of predatory reverse mortgage. The salesman came to my home twice ... .Knew it was my beloved home. Then at " closing '' XXXX strange unprofessional men I never saw before came to my home ... .When I changed mind about the loan they got angry, said they were in a hurry, threatened me that if I did not initial papers ... .Huge! Stack ... I would never get reverse again. I was never given time to even look at papers ... .Now, I find out they were robosigned by XXXX XXXX XXXX vice president ... .They wo n't say who owns loan, wo n't let me repay the taxes they paid,. Denied Hardship the promised ... .I am XXXX with XXXX and XXXX and the are throwing out on street!! In four weeks I have no where to go and too I 'll and XXXX ... .Barely out of bed!! Can you help me please.
Product: Debt collection

I keep receiving multiple phone calls from this group at short intervals, very vague on details other than stating I have a legal complaint filed against me. They can " make '' it go away. I stated to stop calling me ... they call me more ... and stated to send letter stating details via USPS mail ... stated they dont work that way. They are also harassing my children via phone who live at different addresses. Stated they know my age and last XXXX digits of ss number.
Product: Debt collection

American violated my Federally Protected consumer rights. American Express also committed identity theft and 9 other violations under the FDCPA.

Violations included : 15 USC 1692e 15 USC 1692b ( 5 ) 15 USC 1692f ( 8 ) 15 USC 1692c ( a ) 15 USC 1692d ( 2 ) 15 USC 1692b ( 2 ) 15 USC 1692c ( 2 ) ( A ) 15 USC 16
92e ( 10 )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXXA Account number : XXXX Balance : {$510.00} XXXX XXXX XXXX Account number : XXXX Balance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) Account number : XXXX Balance : {$3500.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX Balance : {$770.00}