23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have informed MIDLAND CREDIT MANAGEMENT INC that the account that they are trying to collect on is an act of fraud I have filed a police report and submitted it to the original creditor also filed out a FTC AFFIDAVIT I have advised midland I know 15 times it is against the FCRA LAW TO COLLECT ON A FRAUD ACCOUNT. I HAVE ALSO ASKED THEM TO NOT CONTACT ME DUE TO THE FACT THAT THEY ARE HARASSING IF IT DO NOT STOP I WILL PRESS CHARGES
Product: Credit reporting or other personal consumer reports

Authorized user on an account of ex-husband. We have been divorced for over a year. He has tried to remove me from the American Express account but is still showing on my credit report. The account was opened in 2013.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : Onemain
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX DOB : XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX : Second request for removal of inaccurate information Please be advised that this is my SECOND REQUEST for you to remove incorrect and inaccurate information from my personal credit report. 

I received no response to my initial letter dated ( XXXX ). It is my understanding of the law that you must complete any request for reinvestigation within a XXXX day time frame. It has been well over XXXX days! 

I have included a copy of my original letter for your records as well as mine. Please take immediate action to rectify these issues. 

The following information needs to be investigated as soon as possible : XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX with account number XXXX XXXX XXXX with account number XXXX XXXX  with account number XXXX I am awaiting your response and an updated copy of my credit report within XXXX days as required by the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX
Product: Mortgage

Our home hazard insurance with XXXX was due on XX/XX/XXXX. I contacted our mortgage company, Nationstar Mortgage ( Mr. Cooper ) for payment status on XXXX and XX/XX/XXXX since our insurance company notified us that they have yet received the payment. Mr. Cooper didn't respond until XX/XX/XXXX and told us our insurance was due on XX/XX/XXXX, but they will go ahead make the payment in advance. Then they told us to go somewhere else for further questions and close the case. We were under the impression from their message that theyll go ahead and pay the hazard insurance. On XX/XX/XXXX, we found out our insurance company had dropped our coverage. I immediately contacted a XXXX XXXX agent to assist in getting new hazard insurance in place and updated Mr. Cooper with the new insurance info. On XX/XX/XXXX, Mr. Cooper sent us a letter stating there's a lapse of coverage from XX/XX/XXXX to XX/XX/XXXX and wants us to provide proof of coverage or they will charge {$410.00} on our account. 

1. Mr. Cooper seems to be contradicting themselves. They said our original insurance is not due until XX/XX/XXXX so where is the lapse? 2. We had coverage for XX/XX/XXXX through XX/XX/XXXX. If Mr. Cooper had paid the insurance on time through the escrow account, our previous insurance company wouldnt have dropped us. 3. Since Mr .

Cooper failed to make the payment and caused our insurance to be dropped by XXXX, now Mr. Cooper wants us to pay {$410.00} for the lapse in coverage. It really sounds like theyre attempting to scam on us. First, they told us the hazard insurance is not due until XX/XX/XXXX, and now they say theres a lapse in coverage and want us to pay {$410.00} for it. 

Wed like Consumer Financial Protection Bureau 's help in facilitating communications with Mr. Cooper. I've lost my confidence in dealing with Mr. Cooper and their service departments have not been exemplary. It takes forever for them to answer the phone, and it took them 3 weeks to respond via the web. We dont think their current staff is capable of handling this matter and wed like someone who runs these departments to contact us via mail and waive the {$410.00} fee plus whatever fees that may be associated with the lapse of insurance that they caused. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted emailed to the companies, I disputed the inquiries the week of XX/XX/XXXX over the phone. I have not received a response from at all. The Credit Buteas responded Inquiries are factual record of file access. If you believe the This was unauthorized please contact the creditor. When I reached out to the creditors they advise me to contact the Credit Bureaus. This is running me into a circle. The inquiries are as follows Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX CR XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX XXXX XXXX Bank XX/XX/XXXX The FCRA 623 and 611 state that any information can be disputed and must be investigated. I received a response from my call with the credit Bureas less that 8 days from the date of my dispute. One can only assume no investigation was completed. I also requested that an address be removed from my credit report on XXXX the same week the first week of XXXX. I have never lived there ever. I have lived in my home for almost 11 years. The representative advised she would remove the address. I viewed my XXXX XXXX report yesterday XX/XX/XXXX and the address was added back without them advising me. The address begins with XXXX. This is not XXXX has never been my address. They added it back without my knowledge. I called today XX/XX/XXXX and a Reps was argumentative about the address and indicated shes open a dispute. My concerns is why was the address added back if it was invalid and when was I going to be notified. I have never lived there. This is causing undue stress as I plan to purchase a home later this year and this amount of inquiries would flag as a person having financial trouble. The incorrect address is concerning because its risking my personal information or mail being sent to someone elses home
Product: Debt collection

Someone stole my information and opened 2 credit cards in my name. The address where the fraud took place is XXXX XXXX XXXX in XXXX Ca. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for almost 5 years. I tried to dispute the items with the collections department as well as the creditors with a police report number which I sent several times and they have not deleted the items. One item is XXXX XXXX   and the other is XXXX XXXX. Please help I will send paperwork thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

hippa violation inaccurate information no knowledge of account or not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( plaintiff ) and XXXX XXXX ( accused ) entered into a mutually agreed upon written contract for the renovation of the property located at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX on XX/XX/XXXX. The accused made a written promise ( contract ) to renovate the above mentioned property within eight ( 8 ) weeks for a total sum of XXXX XXXX dollars paid to him at predetermined intervals of two weeks. The accused not only failed to deliver on his contractual obligations, he resorted deceits and series of lies and false statements ( please see XXXX text messages screen shots attached on the accompanying USB flash drive ) regarding the state and the progress ( or lack thereof ) of the renovation on the property in question. By XXXX of XXXX, the accused had also received the full payment ( construction loan draws ) with very little work complete with no end in sight. Furthermore, the accused fraudulently induced payment which were NEVER applied toward the purpose it was demanded for. The series of deceits continued and the plaintiff was left with no choice but to seek legal help. A Notice of Default and Demand to Cure was sent to the accused and was given a months time to fulfill the contractual obligation. The accused failed to comply with the Notice of Default and Demand to Cure and was sent Notice of Termination of Construction Contractii with instructions to account for and return the unused portions of the construction trust fund under his fiduciary custody. The plaintiff not only failed to comply with both notices, he is now attempting to circumvent his fiduciary obligations by filing for chapter XXXX bankruptcy. By XX/XX/XXXX of XXXX, the renovation work at XXXX XXXX XXXX XXXX, XXXX Texas XXXX was in an unfinished state and the accused is in possession of funds despiteseveral requests and notice from the plaintiff to the accused to cure and or to return unused funds. Accused also failed to mention his fiduciary obligation in his bankruptcy court filing, he has attempted to deceive the court by surreptitiously and obscurely mentioning just the law firms name and an obligation of {$0.00} on Schedule E/F Part 2 4.45 as a NONPRIORITY Unsecured Claim. Accused violated several sections and articles of multiple Texas statutes and Title 11 of the United States Code which are described and referenced in detail on the accompanying USB flash drive. I have suffered massively due to this criminal act. I am also trying to have this information displayed on credit bureau 's websites and for them to share this information with inquirers but they have not complied so far. I am requesting CFPB to force them to share my story as well.
Product: Debt collection

I received a call from Phoenix Recovery Group They keep calling asking for {$4000.00} they say I cosines for an apartment for my Daughter. I told them that I signed only the first lease but that she stayed after the lease was over and I did not consigned the second lease. They just keep calling and have reported it to the credit beaurow. I am 100 % VA XXXX and this is making me very disturbed. I have a copy of the second lease showing I am not on it
Product: Checking or savings account

On Friday XX/XX/2023 all of my Trust accounts ( 4 ) disappeared from my online banking portal, and I lost access to them. After spending a lot time with my local branch associate, we found out that " corporate '' made a programming improvement that disappeared everyone 's Trust accounts. Now 11 days later I still have no access. Truist has not sent a single email or reached out to me to explain what happened. They're " customer care '' is a total joke, because they have none. This is an outrage! 

I have 6 personal accounts and 12 business accounts with Truist. I am going to start looking for another bank ; one that actually gives a darn about their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts have violated my rights. I 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 Paid as agreed please delete XXXX XXXX XXXXXXXX XXXX XXXX XXXX Paid and closed please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX paid as agreed please delete XXXXXXXX XXXX dont see their account 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

Debt owed to XXXX XXXX on invoice no XXXX   XXXX for {$260.00} sent for collection was under discussion with XXXX. This point was made known to AMCA and also mentioned that the bill had been paid after expected discount was received. At least 2letters had been written to AMCA on this. It is also easy to verify by calling XXXX XXXX Customer service no and filling in the invoice no. I was surprised to receive another mail from AMCA TODAY threatening to spoil my good name
Product: Credit reporting or other personal consumer reports

On the day of XX/XX/2020. I received a personal check from a customer for {$13000.00} from their bank which was XXXX XXXX XXXX XXXX XXXX I deposited the check into my checking account ( Bank of America ) Like any other check it was verified and came back invalid. I had no knowledge that the check was invalid. Bank of America ended up closing my account and asked me to pay a closing fee. I payed the fee to Bank of America which I was told by a customer representative that it with that being paid they will remove all negative remarks from my banking report. I recently got a hold of my banking report and found out that they are reporting negatively on my report as fraudulent. They are not trying to remove this claim of my banking history with XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I have filed a police report and FTC report and sent the paperwork into the credit reporting agencies with my disputes. These disputes have not been processed correctly and I have not gotten copies of the verification process. 

These are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had filed a complaint against Lexis Nexis for taking to respond to my requests for a complete personal history credit report I spoke to XXXX XXXX XXXX On XX/XX/XXXX to mail me hard copies of the full report AND the complete address history report. I only received the report but HAVE NOT RECEIVED the complete address history I placed two other calls at her number above on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I also called today XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

account. 
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 res rution 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: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXXXXXX Bankruptcy 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive made contact with XXXX, XXXX  and TransUnion and investigations are in place. XXXX refused to submit my dispute a number of times. This is Tarnishing my credit. These companies are using XXXX reporting, no one is physically doing their job.
Product: Money transfer, virtual currency, or money service

The company is called XXXX XXXX XXXX we bought a pet from them and we send by Zelle XXXX we were scammed and of course we called the bank to get help they never returned my funds this was on around XX/XX/year> we contacted XXXX XXXX XXXX  they said they would not return anything as well contacted Zelle nothing we ended up with nothing and I never got my funds back
Product: Mortgage

We have a home mortgage with Wells Fargo. We put into escrow each month money for tax and home insurance. We received a phone call the last week of XXXX from our insurance provider stating that our policy was in the cancellation process due to lack of payment. This payment was to be made by Wells Fargo, they had reached out to the bank to try to get payment and were unsuccessful. My husband and I reached out to Wells Fargo ourselves and with several phone calls, they assured us the payment was made and our insurance would be reinstated. They also told our insurance company that they overnighted a check. It has been well over a week and still no check for the coverage. We now have NO insurance on our home and yet we are still putting into escrow the monthly amount. I am not sure what Wells Fargo is doing with the money. Wells is not showing us confirmation of anything and will not pay the amount to get us back our insurance.
Product: Debt collection

1. - The account in question was not a credit account, but a brokerage account and which XXXX XXXX, closed on XX/XX/2022 at their sole discretion, with a positive balance and illegally retaining assets for weeks after. 
2. - The positive balance was refunded days after leaving a XXXX BALANCE. 
3. - There were no charges pending at all, after the balance was transferred out of the Brokerage firm, and the a legal procedure with the authorities is in place now against XXXX XXXX, as well as complaints filed with XXXX on XX/XX/2022 ; and the Chairman of the Securities and Exchange Commission, on XX/XX/2022 with the XXXX XXXX XXXX, in addition to the litigation in place for damages to me as account holder. 
The collector is sending repeated letters trying to collect amounts I clearly dont owe, is a violation of the FCRA & FDCPA, and other civil codes.
Product: Vehicle loan or lease

On XX/XX/XXXX I ran out of gas on the side of the road. I parked my XXXX XXXX XXXX XXXX XXXX  and walked to the gas station to get gas. Upon returning someone has ran into my van totaling the vehicle. I know longer have possession of the vehicle the person who hit my vehicle insurance company has the vehicle. I contacted Chrysler capital and informed them of what happened to the vehicle and requested a courtesy adjustment to have the vehicle balance off my credit reports as I know longer have access to the vehicle and XXXX XXXX will submit a check for the value of the vehicle. Under the fair credit reporting act companies are required to report accuracy information as I no longer am responsible for the vehicle it should be removed from my credit reports immigration
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Credit Reporting and Failure to Address Disputes Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report the inaccurate credit reporting practices of the following financial institutions and credit reporting agencies : Experian, XXXX, and XXXX. Despite my repeated efforts to dispute incorrect information on my credit reports, these entities have failed to adequately investigate or resolve the inaccuracies, violating the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : 1. XXXX XXXX Late Payments : I dispute the reporting of late payments for my XXXX XXXX account. 
The creditor failed to credit payments appropriately under 15 U.S.C. 1666b, which mandates payments be credited as of the date of receipt.

These late payments are inaccurate and have negatively affected my credit score.

2. Erroneous Accounts on My Credit Reports : The following accounts are inaccurately reported and remain unresolved : XXXX XXXX Charged-off balance of {$190.00} XXXX XXXX XXXX XXXX balance of {$180.00} XXXX XXXX XXXX XXXX balance of {$10000.00} XXXX XXXX XXXX XXXX balance of {$930.00} XXXX XXXX XXXX balance of {$2900.00} 3. Failure of Credit Reporting Agencies to Investigate : Despite filing disputes directly with Experian, XXXX, and XXXX, the disputed information has not been adequately investigated or removed. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy and completeness of the information they report, which has not been upheld in my case. 
4. Identity Concerns and Data Breaches : My personal information was compromised in several data breaches, including the XXXX breach. 
I believe this has contributed to inaccuracies on my credit reports that need immediate correction. 

Impact of Inaccuracies : These reporting errors have caused significant harm, including : Damage to my credit score. 
Denial of credit and higher interest rates. 
Emotional distress from the ongoing disputes. 

Requested Resolution : I request the CFPB to : 1. Investigate these reporting errors and ensure that Experian, XXXX, XXXX, and the listed creditors comply with federal laws, including the FCRA and 15 U.S.C. 1666b and 1692c ( c ).

2. Require the removal of the following accounts from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Hold the reporting agencies and creditors accountable for their failure to address my disputes and verify the accuracy of their records. 


Thank you for your time and attention. I trust the CFPB will take swift and appropriate action to address these violations and protect my rights under federal law. 

Sincerely, XXXX XXXX
Product: Debt collection

XXXX XXXX with Security Credit Systems contacted my phone number in an attempt to collect a debt from a XXXX XXXX, someone that I do not know.