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

I am submitting this complaint due to inaccuracies on my credit report with Equifax that I have previously disputed, yet the issues remain unresolved. Despite submitting disputes under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to conduct proper reinvestigations, leaving inaccurate information on my report. This has caused financial harm, including potential denial of credit, as well as emotional distress. Additionally, I am concerned that Equifaxs dispute process violates several provisions of the FCRA, as outlined in a recent Consumer Financial Protection Bureau ( CFPB ) lawsuit.
Product: Credit card or prepaid card

Hello my name is XXXX XXXX XXXX. I haven't receive my unemployment card.It 's been more than 10 days
Product: Credit reporting or other personal consumer reports

All throughout XX/XX/year>, I've been disputing incorrect information that appears on my credit reports from all 3 credit bureaus. Ive also tried disputing with the actual collection agency in which the invalid information rests, who goes by XXXX XXXX XXXX XXXX on two reports, yet XXXX XXXX XXXX on another. The amounts I am disputing are {$1600.00} and {$4900.00}. Two different amounts, under the same company, yet two different negative impacts. Both amounts which are incorrect, as well as the dates of opened. Hopefully the attached documents provides a clearer understanding. After disputing through the bureaus, the information was not deleted. I then contacted the collection agency, genesis, directly. After providing numerous emails and statements, the representative agreed in my favor that the amounts should be removed within 2 weeks and to call back in two weeks to confirm. Today XX/XX/year>, it has been two weeks so as directed, I contacted the agency, spoke with the same representative, who then directed me to call back in another week as he was busy right now and could not talk at the moment. The run around is frustrating, the debt collection company seems very sketchy, and this incorrect information on my report is a burden and preventing me from purchasing a home of any kind.
Product: Debt collection

On XX/XX/2023 I received a letter in the mail stating I owe a debt from XXXX XXXX XXXX XXXX XXXX stating they are a debt collector the debt is XXXX. In which I have never gave consent to authorize to have my personal information according to the GRAMM-LEACH-BILEY ACT 15 USC 6801 i have protection of non public personal information. According to this law this company is in violation of my consumer rights I am asking this debt be deleted and a cease and desist. 

I am asking this company get correspondence from credit bureaus to get this matter handled
Product: Credit reporting or other personal consumer reports

Dispute letters were sent to both XXXX and XXXX regarding XXXX Accounts. These accounts were closed and charged off. They were reporting vary inaccurately as well illegally because they were showing Balances and Late Payments on a charged off account, inaccurately matching status on dates, as well repeat info of reporting it being charged off month after month, as well as no data reporting in gaps. 

I've sent XXXX dispute letters asking for remediation of these inaccurately reporting accounts. However, it appears obvious, that no true action is being taken to make all corrections needed because they totally ignored 90 % of my request. This Has been complete negligence on their part.

If an account has been charged off, it should not be reporting balances, past due, etc. because the Creditor has reported 1099-c to the IRS. 

As it stands in accordance with the FCRA, the inaccurate and incomplete reporting by XXXX and XXXX are in direct violation of 15 USC 1681 e ( b ) as well as15 USC 1681 s-2. I have reason to believe XXXX is not properly using the procedures put in place by the FCRA for verification with maximum accuracy. 

I am attaching the letters and screen shots of the credit reports etc. The first letters were sent via certified mail and I do have receipts verifying the received it. The remainder of the correspondence has been directly via bureaus online portal.
Product: Checking or savings account

I have a checking account with JP Morgan Chase Bank that has been closed by the bank. On XX/XX/19 they credited a wire transfer to my account. There was an error with the payee and the bank wanted to further verify. They placed a hold on two deposits represented by a paycheck for {$720.00} credited on XX/XX/19 and my Social Security benefit for {$1400.00} credited on XX/XX/19. THEY HAVE HELD THE FUNDS FOR THREE YEARS. They require that I contact the originator of the wire to confirm that it posted to the correct account. The company that wired the funds has not responded to my request and phone number is now no longer valid. Chase Bank credited the funds to my account ; the bank did not return the funds ; the wire was not recalled by the originator. I am requesting that Chase Bank remit the {$2300.00} balance of the account to me. As I stated it has been 3 years. Thank you so much for your attention to this matter.
Product: Debt collection

Portfolio Recovery filed a collection against me for a debt I had believed to be settled. They called me at my employer once previously using my employers phone number. I told them then to cease and desist, and requested any further communication be through mail. They stopped for a little while but now I receive 3-4 calls a day through varying phone numbers from them. If I block one, they use a different one. I warned them before if it continued I would file a complaint, if that does not work I will contact my State Attorney General.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX i added {$500.00} to my paypal account from my unemployment i paid my gma back XXXX and then paypal locked my card and said it was suspicious and they have had my remaining XXXX locked up ever since
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block, inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically CashApp failed to take timely and effective measures to prevent and address fraud on their platform leaving by 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Upon receiving a call from from XXXX with Conn 's collections dept., I was reluctant to pick up and wanted to advise them that I had recently came into full time employment and that my first check would be XX/XX/XXXX and that I would be more than happy to make some type of payment then. The collectors communication tactics were very poor and were very brash, belligerent, condescending, and he wasn't talking to me, but was talking at me. The collector was informed that the merchandise had stayed in a vehicle that was repossessed. I am a XXXX XXXX XXXX that was working part time, that was made to feel foolish and beneath him when he said, " So your telling me you haven't worked in 7 months? '' I said, " If you can see I had a deferment in XXXX, I could not have foreseen my company trends as far as employment. They started cutting my hours and as it was i was part time. I went from 25 hours a week to getting told I wasn't needed for the day. '' As if telling him I had been unemployed was not good enough. He was very defensive and I felt that his tone could have been considered abusive and belittling, there was no empathy when he stated, " You do know why we are calling you? '' as if to make you feel feel beneath them because you owe them .... 

After stating that I wanted to pay them even if I did not have the merchandise, but that I will not have funds till XX/XX/XXXX that's when he said so you don't have anything, i said I don't have anything, I'm literally negative, i can show you my bank account if you want. he then stated, " by then your account will be charged off or could go to legal '' Very misleading on his part because he failed to fully explained what exactly that meant by it could go to legal. So I stated so what, does that mean you are taking me to small claims court? He said, there is no telling it could go to legal, asset recovery, or some other department I do not recall. He was very deceptive when he stated legal and vague, I feel that he was in violation of many consumer rights. I do not want to have to deal with them every again.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years I have been dealing with the burden of someone stealing my identity. The persons involved have received credit cards car loans and received personal family or household goods. I have tried to dispute all the accounts some came off and some refuse to be taken off. I've paid credit repair agents and tried to dispute myself with out proper knowledge. Today I the natural person consumer is asserting all lawful action to get remedy for my identity being stolen. XXXXXXXX XXXX XXXXXXXX has given me the hardest time they have sold my debt or shared it with a third party debt collector. Pursuant 16CFR 433.1-433.3 THE CONTRACT IS FRAUD THERE IS NO CONTRACT CONTAINING MY SIGNATURE. ALL CONTRACTS MUST HAVE TWO SIGNATURES NO COMPANY IS EXEMPT. They never sent validation of the debt pursuant FDCPA 15USC 1692 ( d ). I never contracted, agreed, or arranged any consumer credit transaction. I ask that the account be closed because I had no idea how to dispute the identity theft at the time in XX/XX/XXXX and it was still being actively used and paid in my name. XXXX XXXX then closed account and charge off never sending me anything pertaining to the identity theft I alerted the fraud department. Each month since XXXX they have reported to the CRA 's negatively without the proper notice to opt out. XXXX, XXXX, and EXPERIAN are all apart of the identity theft. I've sent in a driver 's license, passport, social, and pieces of mail to prove identity and valid address. The credit reporting agencies failed to verify the info. They have me listed under XXXX XXXX or XXXX XXXX XXXX and that is not and have never been my name. They have listed I have as SSI Pension I have never worked anywhere long enough to receive a pension. In XX/XX/XXXX I filled and FTC identity theft against XXXX XXXX  XXXX My consumer report says it was open XXXX XXXX making me a minor at the time. XXXX sent me a letter saying that it was verified XX/XX/XXXX. Pursuant 15 USC 1681 a ( e ) all investigated reports must have sources of interviews of family and friends. NO REPORTING AGENCY has provided and investigated report containing such information. The credit reporting agencies are reporting on an alleged debt between me and XXXX XXXX  XXXX pursuant 15 USC 1681a. I the natural consumer has the right to privacy pursuant 15USC 1681a ( 4 ). These fraudulent accounts were authorized by XXXX  the real credit card defined under the Truth In Lending Act and these transactions must be excluded from my consumer report. This infringement has gone on long enough I want the account updated as paid and full and taken off my report.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft resulting from the XXXX data breach ( XXXX XXXX : XXXX ) reported in XXXX. On XX/XX/XXXX, I discovered multiple fraudulent accounts on my Experian and XXXX credit report that I did not authorize or open. These accounts are directly related to my compromised information from the XXXX breach. 

XXXX XXXX ( Account XXXX ) : New Fraudulent Charge, {$4200.00} balance XXXX ( Account XXXX ) : New fraudulent charge of {$6000.00} XXXX CARD ( Account XXXX ) : New fraudulent charge of {$6100.00} Actions Taken to Protect Myself I have taken the following actions to protect myself and to report the identity theft : Filed identity theft reports with the FTC ( Identity Theft Report # XXXX ) Placed fraud alerts on my credit reports with all XXXX  major credit bureaus Frozen my credit reports with all XXXX  major bureaus Currently in the process of filing a police report Legal Violations Experian and XXXX 's Violation of 15 U.S.C. 1681c-2 Under this statute, Experian and XXXX are XXXX to block the reporting of any information identified by the consumer as resulting from identity theft within XXXX business days. However, Experian and XXXX has failed to remove the fraudulent items on my report, even after XXXX  days, in clear violation of the law. 

Experian and XXXX 's Violation of 15 U.S.C. 1681b According to this statute, a consumer reporting agency may only furnish a consumer report with written instructions from the consumer. I never authorized or consented to the reporting of these fraudulent accounts, which violates my rights as a federally protected consumer. No consent is given in cases of identity theft. 

Debt Collection and Charge-Off Violations XXXX and XXXX have both charged off the fraudulent accounts. Under the IRS regulations ( specifically Section 6050P of the Internal Revenue Code ), once a debt is charged off, the lender must issue a 1099-C to the debtor and should cease collection efforts. As these accounts are the result of identity theft, I should not be held liable, nor should these debts be reported on my credit. The presence of these charged-off debts on my credit report is a violation of my rights.
Product: Debt collection

On XX/XX/XXXX.. I received an alert from the major credit bureau alerting me that a collection account was added to my credit file. Which resulting my FICO score to drop. I looked at my report it was AAMS who added an old debt from XXXX XXXX  XXXX. 
XXXX XXXX  XXXX had placed a {$460.00} medical debt on all 3 majors credit bureau since XX/XX/XXXX. The account fell off on all my my report late XX/XX/XXXX. I was very surprise that the account was sold to AAMS who never notified me of this old account they acquired from XXXX XXXX XXXX. I have 2 medical account with AAMS which I have been paying for more than 4 years {$50.00} every months. On XX/XX/XXXX at XXXX XXXX  I received a call from XXXX at AAMS who told me over the phone that a letter they mailed to me came back with an address change. I told him yes, indeed I moved. I gave XXXX my new address. XXXX never discussed of this old account that AAMS purchased with XXXX XXXX  XXXX. As a matter of fact, he confirmed that I only had 2 accounts with them {$310.00}. and a {$2300.00} account as of XX/XX/XXXX. he never mentioned of this old account they purchased in XX/XX/XXXX. I never received any letter of this old debt {$460.00} for medical visit I did at XXXX in XXXX. I had to pay this debt right away because of the house closing i have in 2 weeks. I felt violated
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Correction of Inaccurate Late Payment Reporting Dear Wells Fargo Auto Loan Department, I am writing to formally dispute the inaccurate reporting of late payments on my auto loan account. All payments have been made on time, yet my credit report reflects negative marks, which is both incorrect and damaging to my creditworthiness. 

Additionally, I received notice that your system experienced errors, which may have prevented my timely payments from being properly applied. Given this information, I request that you provide concrete proof of any alleged late payments and confirm that this discrepancy is not due to a system error on your part. 

I demand an immediate investigation into this matter and a correction of my payment history to reflect a current and accurate status. Please notify me promptly when this issue has been resolved. 

Thank you for your prompt attention to this matter. 
ALL OF MY XXXX payments were received on time!! Update this immediately
Product: Credit reporting or other personal consumer reports

There as been an inaccuracy on my consumer report, I discovered some account that i do not have anything to do with, this is an improper use of my consumer report, and I will appreciate if this can be investigated and removed with immediate effect. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account .This account is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy here is the item I am asking young verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian allowed creditors to pull my consumer reports without my consent. This infringed upon my right to privacy as a consumer and this has caused me financial injury.
Product: Debt collection

I have been called several times from someone looking for XXXX XXXX, I have told them numerous times that I dont no this person. They say they will take my number Off the list, but they continue to call about someone and their debt that I dont know. They call everyday all day long it started on XX/XX/20, It has been going strong ever scenes. They are calling from XXXX the name of the company is Sunrise Credit Services
Product: Credit reporting or other personal consumer reports

Credit Reporting Issue XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX Incorrect Charge-Off Entry on Credit Report I am writing to file a complaint regarding an incorrect charge-off entry on my credit report associated with account number XXXX reported by XXXX. This entry is erroneous and does not accurately reflect the status of my account. 

Account Information Account Number:XXXX XXXX XXXX XXXX The charge-off listed for this account is inaccurate. The account was charged off and subsequently sold to XXXX XXXX XXXX. Despite this, the charge-off entry remains on my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reports must be accurate and complete. Under Section 1681i of the FCRA, when a consumer disputes the accuracy of information, the credit bureau must conduct a reasonable investigation and correct any inaccuracies. 

2. The collection account associated with this account was ceased by XXXX XXXX XXXX on XX/XX/year>. As a result, the collection account should no longer appear on my credit report. Section 1681c of the FCRA requires that once an account is resolved or ceased, it should be updated or removed from the credit report to ensure accuracy. 

3. Given that the collection account has been ceased and the charge-off entry is inaccurately reported, I have requested that the charge-off entry be deleted from my credit report. I have provided documentation supporting that the collection account was ceased and that the charge-off entry is incorrect. 


I have enclosed copies of the following documents to support my claim : - Records showing the account was sold to XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX XXXX - Statements or any other relevant documentation verifying the ceased status of the account -A screenshot of the account on my Equifax Credit Report I am requesting the CFPBs assistance to ensure that the erroneous charge-off entry is investigated and deleted from my credit report. I would appreciate prompt action to resolve this matter and correct the inaccurate information on my credit report. 


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

I noticed a couple accounts on my report I dont recognize
Product: Credit reporting or other personal consumer reports

see attached 15 US Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM TRANSUNION
Product: Credit card or prepaid card

On XX/XX/2020 I've initiated a return with XXXX for an XXXX XXXX XXXX  XXXX XXXX. I've requested a return within the XXXX return policy and followed the required steps ( see pictures attached XXXX XXXX provided me with a repaired XXXX  return shipping label with a tracking number XXXX XXXX XXXX and it was successfully delivered as of XX/XX/2020. Later on XX/XX/2020 I've received an email from XXXX  that I should expect a refund issued, however I haven't received it. Kindly proceed with a dispute and please, consider all supporting documents attached
Product: Debt collection

I Paid off a charged-off collection with Capital One in XX/XX/2022, but Capital One is still actively reporting a balance every month to my credit report. I have called Capital One to request correction and they stated they don't have my account anymore because it was sold/transferred to XXXX XXXX XXXX and that I should call XXXX to get it resolved. When I call XXXX to get the reporting corrected, XXXX explained that they don't report to the bureaus and instruct me to call Capital One to get it resolved. I am getting the run around between Capital one and XXXX. I need the help to get this issue resolved and to reflect a {$0.00} balance on the charge-off or correct the {$0.00} balance due to the account sold/transferred. I have documentation to prove that the account has {$0.00} balance.
Product: Mortgage

I took the Covid-19 forbearance in XXXX of 2021 and Caliber home loans ( loan provider ) did not explain the most important part of the forbearance which was that at the end of forbearance they would add the total amount due on top of my loan amount which was a huge thing in decision making for the forbearance. They clearly did not mention anything like that but they said it was included in the agreement which does not state that at all. I took forbearance because of financial hardship as my wife had lost her job due to Covid-19. My initial loan amount was {$160000.00} and now they're saying that I have to pay additional {$11000.00} on top of my loan amount as I had taken the forbearance. They also did not explain that the interest would accrue during forbearance and that the principal would also be added to my original loan amount which is clearly a scam. I talked to them in XXXX and had stated to continue my payment as I was scared for foreclosure but they only took out one payment and stopped taking more payments even though I was enrolled in auto pay. I believe they did this so that my monthly payment of {$960.00} would keep adding up on my loan. In XXXX they stated that they'll put me into a deferment plan and I would receive correspondence in a week but nothing was received from their side at all. They keep adding my monthly payment on top of my loan amount and now my loan amount they're showing is {$170000.00} which is purely not what they had stated when they started the forbearance. I kept calling them and they would say my deferment plan is being reviewed but no decision has been taken in all these months. Please help me as I'm the sole earner for my family and I'm not able to make and afford these additional {$11000.00} payments that they have added on top of my loan and are demanding a payment in full so that I can be current on my payments. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME NEGATIVE ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT. THE ACCOUNTS AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. MY CREDIT HISTORY IS NOW IN A HORRIBLE STATE BECAUSE OF THIS SO I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSSIBLE.