23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

There is an entry on my XXXX credit report from IQ Data Systems. Upon investigation, I discovered that this collection account is for a remaining balance from a property management company ( XXXX ). I co-signed on a lease for my son 's apartment - when he moved out there was a balance due. I have paid this balance of {$1000.00} directly to XXXX. I have the receipt for this payment. 
This paid account should not have been sent to a collection agency ( IQ Data Systems ).
I have contacted IQ Data regarding this inaccuracy and I have received no help on this matter. They maintain that this is still an outstanding balance with them.
Product: Money transfer, virtual currency, or money service

HI, PAYPAL YOU TOLD ME MY MONEY WILL ABLE FOR WITHDRAW ON XX/XX/XXXX OR BEFORE. 

I NEED PLEASE HELP ME TO ENABLE THE OPTION FOR ADD MY NEW BANK ACCOUNT FOR WIHDRAW FUNDS. 
WE ALREDY HAS A COMPLAINT BEFORE PAYPAL XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Consumer Financial Protection Bureau Complaint No : XXXX
Product: Credit reporting

I am a victim of identity theft. I have been a victim of identity theft for over 6 years. The following accounts and credit inquiries are unauthorized, fraudulent and the result of identity theft : XXXX XXXX XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank XXXX, XXXX/XXXX/XXXX, XXXX XXXX Bank, XXXX/XXXX/XXXX and XXXX XXXX XXXX/XXXX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted equifax about removing inquries and have not got a response. 

i did not apply or give authorization for the inquiries listed.
Product: Checking or savings account

Please see attached file. Attached is the appeal letter sent to navy Federal. XXXX funds show available but they still will not release my funds to me. I have contacted the security department 5 times to no avail.each time they have hung up on me and would not allow me to speak to a supervisor. This has been going on for a month. How is this possible? I look forward to hearing from you.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 as a Consumer reporting agency can not furnish a account with out my written instructions.

15 U.S.C. 1692C -If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipts.
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 : XXXXXXXX XXXX XXXX Balance : {$28000.00} XXXX XXXX XXXXXXXX XXXX Balance : {$28000.00XXXX XXXX XXXX XXXXXXXX Balance : {$28000.00}
Product: Credit reporting or other personal consumer reports

The account of XXXXXXXX XXXX  XXXX in collections is not mine, they sent an original contract but the bank account is not mine, the address on record is not mine and when my dispute was investigated by you guys it was was closed with out really investigating anything taking sides with the collection agency i never have had any business with, all i want is for this collection to be removed from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$13000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is XXXX XXXX I have never dealt with this company before. They are sending letters saying that I had XXXX XXXX  XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. XXXX is also reporting this information with no proof of validation of this debt. I have contacted XXXX  XXXX and they were unable to validate this.
Product: Credit card

I requested information twice once in XX/XX/2023 and the second in XX/XX/2023. The company respond only with a validation notice and disregard the information I seek and my right.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, 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. The following Account ( s ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Amount {$950.00} - Dispute Account Information Address XXXX XXXX XXXX XXXX XXXX GA XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/2022 Responsibility Joint Account Account Type Open Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/2022 High Balance {$950.00} Original Creditor XXXX XXXX XXXX Past Due {$950.00} Pay Status >Collection<
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently applied for credit twice and both times I have been denied due a public record recording on my file. I am attaching the most recent denial that states the only reason I was denied credit from XXXX was XXXX A credit obligation related to a bankruptcy or financial couseling plan was recorded on your credit bureau report. 

I have spoken to a XXXX XXXX supervisor who stated there is a bankruptcy showing on my credit report. 

I have submitted a letter to Equifax in XX/XX/2019 indicating I do not have a Bankruptcy in my name from the county on file. As of this compliant, this bankruptcy is STILL on my credit report. This bankruptcy just recently appeared on my credit report within the last year. 

I further disagree with the risk factors Equifax is reporting on my reports : There is a bankruptcy on your credit report Lack of sufficient credit history The balance amount paid down on your open student loan accounts is too low
Product: Mortgage

I owned a condo in XXXX and had decided to rent it for two years. In XXXX XXXX my tenants stopped paying rent and I was not able to pay mortgage since sine was the income I relied upon. At this time, I also had the property listed for sale and was receiving many offers and knew a deal would close soon. As soon as I knew I would have a problem paying mortgage I called Wells Fargo to see if there was anything they could do to assist. I had been a loyal customer for 8 years and had never missed a payment once. I was told that since the property was listed I did not qualify for any of their assistance programs. I received calls day and night from Wells Fargo representatives trying to collect the debt and each time I spoke with the representative I explained the situation and asked if there was anything I could do. Each time I was told the only resolution was to pay the debt in full or they would report the delinquencies to the credit bureaus. I was unable to pay mortgage for 4 months and as a result my credit score suffered a major hit and fell XXXX points. XXXX XXXX I called several New York State agencies trying to see if I could get help and was referred to HOPE. I spoke with one of the counselors, explained my situation and together we called Wells Fargo to see if they would assist. While the HOPE agent was on the line, we were told that nothing could be done to help me since the property was listed. In XXXX XXXX I received an email from Wells Fargo stating that I had been approved for a streamlined modification. I was surprised because the property was still listed, and for moths I was rejected from receiving any assistance and had n't applied for this modification. When I called to speak with a representative I was told that I qualified for the program because I had n't missed payments in the past. I asked why I was n't advised of this program back in XXXX XXXX when I first reached out for help and was not given an answer. Had I been advised that I qualified for an assistance program, I would have been able to work with the bank while the sale was pending. Instead I was ill-advised and as a result my credit suffered. Now that my property has sold and I want to purchase a new home, I can not do so because my score is very low. I will have to pay very high interest rates if I can even secure a new loan. I worked very hard for years to maintain an above average score and because I was rejected from a benefit I should have received I am now suffering this financial injustice. When I initially called Wells Fargo in XXXX XXXX I should have been advised what my options were but instead I was rejected and my credit suffered. Having been a loyal customer for 8 years I am shocked that the bank has neglected to service me properly and put me in such financial jeopardy.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX When I first decided to exercise my rights under the Fair Credit Reporting Act, it was with an eye on challenging any information found in credit reports that are not accurate. I am ensuring the information on my consumer report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are negatively affecting me financially because of their accuracy or completeness. This is just an allegation. There is no proof that I'm delinquent or derogatory, so how can they report this? 

In accordance with the FRCA, the List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX XXXX ACCT XXXX XXXX XXXX5 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.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any 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 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 or other personal consumer reports

XXXX, Experian XXXX XXXX XXXX have been reporting inquiries that are not verified & over the phone agreed to not having the information to verify these inaccuracies. 

I was promised accuracy on my credit report based on federal law & after my disputes, I have made calls as another attempt to have these inaccuracies either removed or fixed. Under 15-USC-1681. All unverified information must be promptly removed. As i was told, in their system they could not validate this information. I request for its removal effective immediately. 


I spoke with this operator details below. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone is fraudulently applying for loans under my name. I am trying to determine why TransUnion 's credit report lists " 3rd Party '' inquiries to my credit which inquire about my direct deposit activity and my mortgage - in detail, sq ft, taxes, etc. I called Transunion twice to ask about these inquiries and both times they told me they could not see the inquiries " on their screen ''. However, they provided my detailed information to one of the fraudulently applied loan companies. But they could not tell me anything about it. Its righty in my TransUnion credit report but their own operators could not see them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed with XXXX XXXX and Equifax on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reporting badly hurt my credibility. I'm certain that my rights as a consumer protected under the law has been violated by this inaccurate information.
Product: Debt collection

Patenaude and Felix proceeded to take action without proper documentation or notification. They also provided my personal information to unknown individuals.
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 XXXX Account Name : XXXX Account Number:XXXX  Account Name : XXXX/DOFED Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 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 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: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( block, Inc. ) due to inadequate customer service and unfair practices, which 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 comply with error resolution requirements under the electronic fund transfer act EFTA and the regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials andXX/XX/XXXX that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!
Product: Credit reporting, credit repair services, or other personal consumer reports

I missed a payment on XX/XX/2023 on my credit card ending in XXXX with Discover Card, and it hurt my credit score. I have given Discover several calls in hope to help me clear my credit infraction and have not been able to. I have made a full payment and no longer in debt with that credit company. I am in the process of buying a new home and the infraction is hurting my credit. I need help with erasing my credit infraction in order to be able to continue with my home purchase. I appreciate your help. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely taken aback this morning when I saw inaccurate accounts on my credit report! Im honestly baffled as to how this could happen. I check my report regularly, but this time I found discrepancies that seemed to come out of nowhere. I even refreshed my browser, thinking it might be a temporary glitch, but the inaccurate accounts remained. Im asking for a thorough review of the documents I submitted so I can stop worrying about this.
Product: Student loan

I've used Navient to supplement payment for XXXX school since XX/XX/2009. In hindsight I have realized that they are incredibly misleading about the loan terms they offer. For example, they initially reassured me that loans do not go into re-payment while still in training ( ie residency ). However, what they didn't tell me is that 'deferment ' only lasts for three years. I also struggle to make payments due to my current circumstances. Every time I contact Navient they are extremely unhelpful in giving me information, options and directions of how to seek lower monthly payments. They are essentially incredibly unethical by not giving full information about their terms and services. They then put obstacles in the way to assist people in lower payments, achieving deferments, educating them on options, etc etc.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding inaccurate and fraudulent information being reported on my credit report by AmeriHome, in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, under 15 U.S.C. 1681s-2 ( b ), AmeriHome is obligated to conduct an investigation upon receiving notice of a dispute regarding the accuracy of information they have reported to credit bureaus. However, despite my request, AmeriHome has failed to verify the validity of the account or provide any documentation, such as the purchase agreement, to confirm full ownership of the account.

Additionally, AmeriHome no longer holds this account, as it was transferred to another servicer without any prior notification to me, which may also be a violation of the Real Estate Settlement Procedures Act ( RESPA ), under 12 U.S.C. 2605 ( c ). This statute requires that servicers provide advance notice before transferring a loan. Despite this transfer, AmeriHome continues to report false information on my credit report, which is a violation of FCRA and is damaging to my credit standing. 

I also want to emphasize that I have made all required payments and was never informed of the transfer in advance, as required by law. By continuing to report inaccurate and fraudulent information, AmeriHome is in violation of 15 U.S.C. 1681i, which requires credit furnishers to correct or delete inaccurate information once a dispute is filed.

I respectfully request that the CFPB take action to ensure that AmeriHome ceases the false reporting and fully complies with its obligations under the Fair Credit Reporting Act and RESPA. I am also requesting that AmeriHome provide me with the necessary documentation to confirm the accuracy of the account, or have the inaccurate information removed from my credit report. 

Thank you for your attention to this urgent matter. I look forward to a resolution.
Product: Checking or savings account

I have a had multiple accounts of money being taken out of my account from a place called hidden listings. I have reported it to chase bank and nothing has been done and now they have taken over XXXX dollars out of my account over the last few months. I have never signed up for this service nor do I know what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law, and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT : Wrong Name : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Wrong Addresses : XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Employers : XXXX XXXX  Date Updated : XX/XX/2020 XXXX XXXX Date Updated : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX CO XXXX, XXXX ACCOUNT XXXX XXXX
Product: Credit reporting or other personal consumer reports

You keep reporting me as having a bankruptcy. This is inaccurate. The date is inaccurate of filing. This is not accurate. You are to report accurately!