23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Equifax is reporting XXXX XXXX, account number XXXX on my credit report. I am not familiar with this debt and this debt has been on my credit report since 2005, almost 11 years. I am asking Equifax to please remove the old debt. As I indicated I am not familiar nor have I ever paid on this account. This account says transferred and closed and their is not an account attached to this old debt. I am asking Equifax to again to please immediately remove this old debt of almost 11 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this is going on but I have a large number of inquiries on my credit report from multiple banks and finance companies That I did not do. 
I have frozen my credit reports on all three credit reporting agencies but yet the inquiries continue to come. 
On XX/XX/XXXX I went to my bank and was denied Credit because of a large number of inquiries. 64 on XXXX alone! XXXX to today. 

1. XXXX Dispute Submitted XX/XX/XXXX Dispute Completed XX/XX/XXXX I have put in a dispute with XXXX about this problem and their automated response was quickly returned - in less then 24 hrs after - that inquiries stay on the report for two years. ( No Change reported ) 2.Experian Experian did do the right thing and tried to help BUT! I'm back @ 11 with them. 

3. XXXX Dispute Submitted XXXX also informed me That inquiries stay on the credit report for up 2 years. 
They then told me to file a report with the FTC and mail said report back to them and then they can be removed. the FTC website pushed me to this page and here I stand Help! 
Thankyou XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Regions Bank has a duplicate account being posted on all 3 of my bureaus with the account # XXXX, reporting multiple late payments on my credit report that is severely hurting my credit score against all 3 bureaus where I am unable to qualify or get a mortgage loan. The accounts are paid off and were always in good standing to my best knowledge however not only is it a duplicate account one has 3 late payments on a secured credit card and one has 4 late payments on another. Now according to 1666b. 
Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 
( Pub. L. 90321, title I, 163, as added Pub. L. 93495, title III, 306, XXXX XXXX, XXXX, 88 Stat. 1514 ; amended Pub. L. 11124, title I, 106 ( b ) ( 1 ), XX/XX/XXXX, 123 Stat. 1742 ; Pub. L. 11193, 2, XXXX XXXX XXXX, 123 Stat. 2998. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove accounts account that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after the XX/XX/2022. Ive already included this in my previous Complaint # XXXX ; XXXX ; & XXXX. I am including these again. 
XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$830.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXX, XXXX  XXXX  XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Hello Im contacting about two accounts I have for the past couple months now. One account is {$2200.00} and Other {$820.00} with added interest that I have not gave consent for. Im in the state of Tennessee so there are two things wrong that are happening. One being the interest that Im being charged and the account being payed by old insurance policy. Ive disputed this Ive called sent letters even called the company directly still nothing and this is illegal what they are doing as a company. This needs to be removed Wake Field & Associates. 
Tennessee State Law : A debt collector may not collect any interest or fee not authorized by the agreement or by law. The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. The collection agency is not allowed to add interest or any other extra fees unless the consumer agreed to the fees in the original contract with the creditor or the fees are permitted by law. ( 76 Consumer Protection )
Product: Student loan

After filing a complaint about not getting my IBR application submitted by student aid dot gov to Navient, my application was finally submitted. On XX/XX/XXXX, I received an email from Navient that my application/ recertification was denied based on lack of financial hardship. This isnt correct because my other federal loan servicer, XXXX, approved me for partial financial hardship and recertified my IBR application back in XXXX. I cant have XXXX servicer approve me for IBR and have another servicer deny me. By accepting IBR my husband and I pay taxes separately and forgo any benefits associated with filing jointly. In addition, by being under an IBR plan, I am not permitted to reclaim my interest payments in my taxes every year. Therefore, getting approved by XXXX servicer but getting denied by another isnt even contemplated by this IBR rules. You are either eligible and your payments are lowered across the board at all federal servicers, or you are not. My situation is that I have been approved and my payment lowered at XXXX servicer but I am denied at Navient. I spoke with student loan ombudsmans officer but they told me to speak with Navient ( XX/XX/2022 ). I spoke to Navient XXXX and she told me she already tried to get me approved but I needed to reach out to student loan dot gov if I had a problem with their calculation method ( XX/XX/2022 ). 

I reapplied today on student loan dot gov to hopefully facilitate the process but I assume they will deny me again.
Product: Checking or savings account

USBank XXXX XXXX  XXXX account for my business issued checks from bank and info on these transactions is being sent via email to a former business partner without my consent. They wont correct the email on their end. I have asked for a formal investigation with no response. They want me to cancel bill pay and redo but I want them to fix this on their end. When former business partner left 4 yrs ago we closed business account and each opened up our own separate accounts on different days with our own personal information provided. This former business partner thought her account was hacked when she received info on checks she did not issue. She recognized a vendor of mine last month and sent me a text of an email she received. The bank claims to not know how this happened and says they cant fix it in their end. I want a formal investigation and reassurance that this has been corrected and what they are doing to prevent it from happening again
Product: Credit reporting or other personal consumer reports

I am urgently requesting your immediate attention to a critical matter involving identity theft, which has resulted in multiple fraudulent accounts and unauthorized inquiries being added to my credit report without my knowledge or consent.

Despite numerous attempts to resolve this issue directly with the credit reporting agencies, I have not received any satisfactory response or corrective action. I have already filed an official identity theft report with the Federal Trade Commission ( FTC ), and I am now requesting the swift removal of these unauthorized items from my credit report. 

There are 2 fraudulent accounts and 2 unauthorized inquiries that must be removed immediately. These items are causing significant damage to my credit profile, and it is crucial that my credit report reflects only accurate and legitimate information, as mandated by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

[ ACCOUNTS ] XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ] - XXXX XXXX XXXX XXXX  - XXXX XXXX XXXXXX/XX/year> I am requesting the Consumer Financial Protection Bureau XXXX CFPB ) to take immediate action to ensure these fraudulent items are removed and my credit report is restored to its accurate state. 

Thank you for your urgent attention to this matter. I look forward to a prompt resolution.
Product: Debt collection

I received a letter from Mitchell D. Bluhm & Associates, XXXX from XXXX, TX indicating of a debt of {$160.00}. I wrote a letter requesting proof of the debt they claim I owe. I received a response from Mitchell D. Bluhm & Assoc. Attached is a Statement of Account indicating I owe {$160.00} and a print out from XXXX XXXX XXXX XXXX Hospital indicating patient balance is XXXX. If I owe this amount I do n't mind being responsible for it, however, I need more proof than what they have provided. Based on what they provided it indicates I have a XXXX balance.
Product: Debt collection

An amount for a {$300.00} delinquent account with XXXX XXXX XXXX XXXX appeared on my credit report ( XXXX, XXXX ). I have never had an account with XXXX or XXXX, and never received any written correspondence regarding the owed amount. 

I opened a dispute, which was upheld for XXXXXXXX XXXX Upon calling XXXX, no account was found associated with my name and information. When contacting XXXX by email, they will not disclose with me the account number or what it is regarding.
Product: Debt collection

Nordstrom {$710.00} being reported on XXXX I have requested : -method of verification -validation of debt including payment history, account numbers, and name of creditor -submitted 1692G ( b ) and nothing has ever been provided to me over the past 6.5yrs. This has impacted me being able to purchase a home and has to be removed from my " XXXX '' credit report.
Product: Debt collection

Paid  XXXX . I have a deletion letter as well from the company stellar recovery on  XXXX  account  XXXX  stellar file number  XXXX  and   XXXX   is still showing this debit and I have contacted them 5 times on this matter. I want this deleted from my credit report account. I 'm not sure if it 's on the other credit reporting agencies as well. But would like that deleted as well. This has been going on way to long. Even the company I paid thinks this is crazy!! Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me a email that it looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Student loan

I co-signed a student loan for my step-grandson so he could attend XXXX College in XXXX XXXX XX/XX/XXXX after being XXXX, after he graduated from the school he moved to XXXX XXXX and lived there. We kept in touch with him and told him that he would have to start repaying the loans soon, he refused to do so and to make a long story short he ended up on the street. XXXX XXXX kept hounding us about the loans and would take no action or attempt to locate XXXX so to protect our credit rating we made the loan payments and continue to do so. We started making payments XX/XX/XXXX and have to date paid {$20000.00} on an original balance of {$44000.00} and the balance of that loan is still {$40000.00}. XXXX has been diagnosed with XXXX living on the streets somewhere in XXXX, he does receive Veterans benefits but we have no contact with him. He is very belligerent with us and refuses to pay or discuss the loan with us, he says we owe him an education, he refuses to work and prefers to live on the street. I have tried working with XXXX XXXX and more recently Navient for many years to try to get some kind of relief for us. My wife and I are both XXXX living on social security and a very small investment account that will now run out much sooner than expected. We have in the past tried to talk with Navient about a possible settlement on the loan so as to not hurt our credit rating and they say it has to be in collection and be at least 3 months past due before they would discuss any kind of settlement or reduce the loan. I also do n't remember signing any of the loans except for the original one, we found out after we started to repay the loans that XXXX also received loans to cover room and board and expenses that we were not aware of at the onset, I believe that XXXX College was very underhanded with there issueing and disbursing the loans. I hope there is something you can do to help us. The account number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian XXXX XXXX are not correcting issues involving mortgage loan & Car loan reporting inaccurate as being paid through bankruptcy. Although loans and mortgage were paid outside bankruptcy and paid as agreed in good standing. Also mortgages are listed as closed & mortgage changed servicer and were never closed
Product: Credit card

On XXXX/XXXX/2015, I saw an online promotion from CITI which said XXXX bonus ThankYou Points canbe awarded after {$2000.00} in purchases within XXXX months if a new CITI Preferred Card is opened. Then I followed the link to apply the card and got instant approval after application. Then I spent more than {$2000.00} within XXXX months, and in the XXXX month, guess what, not a single ThankYou point was awarded. I called CITI customer service twice and they just responded that investigation is needed. I also mailed once, and finally on XXXX/XXXX/2015, I received a mail from CITI explaining the reason : " ... this account is not eligible for the offer you mentioned because you have had the same or similar offer on another account that has been either been opened or closed within the last XXXX months ''. What a despot clause! Where did CITI mention a period of XXXX months is needed for a new card to be awarded when I applied the new card? That is also unreasonable, does it mean I could not buy XXXX cars simply because the dealer has to offer promotion discounts for XXXX cars. Why CITI play such a trick in order to keep customers opening new cards and our customers just act like fools to spend money ( sometimes buying extra unneeded stuff ) in order to reach the amount required in XXXX months.
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. 

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

Re : File Number XXXX Dear Agent, Thank you for your reply of XX/XX/2018, Attached is all my correspondence with the XXXX XXXX  with whom I apparently owe {$2000.00}. As you will see I have offered on numerous occasions to settle the amount owing in full upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form. 

You will see in my letters dated XX/XX/2018, and XX/XX/2018 that I have repeatedly made these offers. Synchrony Bank on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process. That settled the matter legally and financially on XX/XX/2018 however as a courtesy I gave them another 10 days to respond which they did not. This settled the matter once and for all on XX/XX/2018. 

I have since been harassed by XXXX XXXX  with whom I have no contractual relationship. However, as a courtesy I have kindly offered these agencies settlement in full on the amount owing upon their assurance in writing that they will provide me with the original instrument of indebtedness in its original form which binds myself and this agency. The agency has not offered to accept payment from me on either occasion. 

To date XXXX XXXX, has not made any reference to the original instrument of indebtedness in any of their correspondence. It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. 

I would appreciate if you would review my documentation and obtain a statement of facts from XXXX XXXX  outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency. 
Thank you very much. 

On behalf of XXXX XXXX XXXX Without recourse By : XXXX : XXXX
Product: Prepaid card

Summary : On XX/XX/year>, I received an incorrect deposit of {$50.00} to my CashApp account when I was supposed to receive {$10000.00}. I confirmed with the sending institution that the full amount cleared, and I immediately reported the error to CashApp on XX/XX/year>. 

What Happened : CashApp opened a case on XX/XX/year>, but their handling of the issue has been inadequate. Despite repeated follow-ups, they have failed to conduct a proper investigation. Instead, they have relied on automated responses and algorithms, without reviewing the evidence I provided or verifying the deposit directly with the sending institution.

Specifically : Failure to Investigate Adequately : CashApp did not take the necessary steps to contact the sending bank or properly review the case, instead relying on systems that didnt address the specific error.

Improper Handling of Error Resolution : CashApp did not issue the required provisional credit within 10 business days, as stipulated by Regulation E, and communication throughout the investigation has been nonexistent, it's been over 20 business days.

Repeated, Uninformative Responses : Despite my efforts to follow up, the only responses Ive received from CashApp for the past four weeks are generic messages stating that there are no updates and to keep waiting. This has been a consistent pattern of non-communication.

Why There Was a Second Submission : On XX/XX/year>, I contacted CashApp via chat and was told that my case had been closed, despite having received no resolution or documentation. When I requested documentation, none was provided. 

The following day, on XX/XX/year>, I contacted CashApp via phone and was informed that my case was still ongoing and open. Despite this, no further information was given regarding provisional credit, and the representative miscalculated how many business days the case had been open, falsely claiming it had only been 9 business days, even though it had been 10 days.

I submitted a second case after realizing the first was closed improperly without any updates or documentation. Since then, CashApp has failed to provide provisional credit or a satisfactory resolution, continuously violating Regulation E by not complying with its rules for error resolution and provisional credit.

In response to my initial CFPB complaint, CashApp reached out via email acknowledging the issue and stating they were investigating. However, despite this acknowledgment, they have continued to provide o
nly repetitive answers for weeks, offering no timeline, documentation, or meaningful updates on the investigation. Each response simply states that there are no updates available, without any explanation of their progress or resolution plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed the same accounts to all 3 credit bureaus multiple times and the incorrect and unverified information remains reporting inaccurately on my credit report. 
I've just recently dispute the information once more. Along with my correct name, date of birth, and address. That's been reporting inaccurately by Equifax and XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

I got my home refinanced by XXXX  XXXX, who sold it to Mr. Cooper ( Nationstar ) I was given payment and account number for my loan for Mr. Cooper ( nationstar ) I set up online bill pay with my bank and send my payment to Mr.Cooper which they received on XXXX XXXX, XXXX. On same day, I received a welcome letter from Mr. Cooper in which the loan/account number was different. 

I have sent proof of my payment from my bank, called them several times, emailed their research department and also to their escalation department however they have no responded even once to my emails and just keep jerking me around since days. 
I paid {$1000.00} to them and need help to resolve this. 
Respectfully