23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly a collection in the amount of {$9000.00} on XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had lost my job and was able to find new employment however, I was falling a little behind in the payments. I contacted the lender and was able to make payment arrangements. The agreement was that if I never missed any payments they would not send this account to collections. I honored the agreement and unfortunately the lender did not do the same. The representative I initially made the arrangement with told me that I was in no danger of this account being reported to collections. Unfortunately, they reported this account to collections. This collection is in error and having it on my credit report is seriously harming my credit score. These line items need to be removed from my credit report. I have contacted the ( 2 ) bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

My only identifying information is as follows : My address : XXXX XXXX XXXX XXXX, Sc XXXX My name to : XXXX XXXX XXXX My social security number is : XXXX My correct date of birth is : XXXX As proof of my identity, I have included copies of my drivers license and a utility bill. I have also included a copy of my credit report with the information I am requesting to be verified and deleted. 

Address XXXX XXXXXXXX XXXX XXXXXXXX SC XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX XXXX XXXX XXXX XXXX which is insurance company sent fund to my bill.com account but I am not able to have access to my account. They keep telling me that it's because XXXX XXXX XXXX didn't connect with my account using my ID but if that is true then how did I got an email from bill.com that fund was received but I still don't have access to my bill.com account and fund. I have emails for proof that they are lying. They keep lying to me that they tried to call me which I never got calls from them. Bill.com doesn't have customer service email or phone number to solve problems and they should be banned from doing business without good contact information. All I got was 1 call from their rep without giving any name with caller ID block with bad accent that I couldn't understand what she was saying and call ended without solving this issue. I am surprised that no one caught them breaking banking regulation by not providing good contact information and still operating their website in the US. I worked in banking industry for over 10 years thus I am very well about its requirements. I need help from CFPB to stop them from ripping people off this way. Thank you. XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XXXX XXXX XXXX used my bank account information to make an unauthorized withdrawal. I made a payment on my account on XX/XX/XXXX and the next payment was due on XX/XX/XXXX. Without my consent, Ally authorized an additional ACH withdrawal from my bank on XX/XX/XXXX. When I called to inform them of the unauthorized transaction, their only response was that they would apply it to my payment due on XX/XX/XXXX. This action caused my bank account to be overdrawn and they refuse to refund my money.
Product: Credit card or prepaid card

Sofi sent me a credit card I did not apply for. I tried to contact the company but they have no fraud department. There customer service number said they can help if its about a charge, but not on a card? 
Tried to dispute with credit bureau but the said we showed you applied for it and its yours, however they will suspend the card. I have a credit card and a hard inquiry on my perfect credit and I am buying a new house and this effected my Percentage amount on my loan. 
I volunteered to do a police report or affidavit and they said it wont matter, its staying on your credit?
Product: Debt collection

There is a collection account listed on my credit file which is unknown. I do not owe this amount to this company. I have NO records of even having opened an account with this company. I have disputed and received nothing. Please help
Product: Mortgage

The Ocwen Loan Servicing , LLC company sent me a letter saying that my insurance coverage is insufficient because my " deductible exceeds permitted maximum. '' This is inaccurate. I called and actually they are just trying to sell me THEIR insurance coverage by trying to confuse me into thinking I am insufficiently covered by my present company. The letter also includes " Important Bankruptcy Information '' and says it is a communication from a debit collector. We have ALWAYS been in good standing and have no financial problems. I believe this company is fishing through its customers, threatening them, and trying to get insurance business in an unethical manner.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had fraudulent accounts on my report. Please remove accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Immediate Removal of Fraudulent Addresses and Accounts To Whom It May Concern, I am contacting you to formally dispute inaccurate and fraudulent information appearing on my credit reports from XXXX, XXXX, and Equifax. I have identified several addresses and two accounts that are not mine and were fraudulently reported. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I am demanding immediate action to correct these errors. 

True Address ( The Only Accurate Address ) : XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX Addresses to Be Removed Immediately : XXXX XXXX XXXX XXXX, XXXX, XXXX, MD XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX Fraudulent Accounts to Be Removed Immediately : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX I have included a copy of my government-issued ID, utility bill, and FTC Identity Theft Report ( # XXXX ) to verify my identity and support my claim. Under the provisions of the FCRA, including but not limited to 15 U.S. Code 1681c-2 ( Blocking of Information Resulting from Identity Theft ), credit bureaus are required to remove or block disputed fraudulent information once sufficient evidence is provided. I have met these requirements and expect you to fully comply.

Failure to correct this information in a timely manner may result in further legal action. I trust that you will treat this matter with the seriousness it deserves and resolve it within four business days. Please confirm in writing once these inaccurate addresses and accounts have been permanently removed from my credit file. 

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

XX/XX/2023 Subject : Request for Deletion of XXXX XXXX XXXX XXXX XXXX Reporting Guidelines Dear Sir/Madam, I am writing to dispute and request the removal of certain derogatory information from my credit report, as per the guidelines outlined in the XXXX XXXX XXXX Format. After carefully reviewing my credit report, I have identified inaccuracies and discrepancies that I believe require your immediate attention. 

The following items are being disputed : XXXX. Affirm Inc XXXX XXXX XXXX XXXX XXXX XXXX, credit reporting agencies are responsible for ensuring the accuracy and integrity of the information they report. It is my assertion that the mentioned derogatory information fails to comply with these reporting guidelines and has a detrimental impact on my creditworthiness. 

To facilitate a thorough investigation, I am providing detailed explanations for each disputed item, along with supporting documentation. It is imperative that you adhere to the XXXX XXXX XXXX XXXX in examining each disputed item. 

In accordance with the XXXX XXXX guidelines, I request the immediate removal of any verified inaccurate or unverifiable derogatory information from my credit report. Furthermore, I expect to receive written notification of the results of your investigation and an updated copy of my credit report reflecting the deletions made. 

I understand the importance of maintaining accurate and compliant credit reporting practices. Failure to address this matter in accordance with the XXXX XXXX guidelines may result in legal consequences, including potential legal action seeking remedies and damages under applicable laws. 

Thank you for your immediate attention to this matter. I trust that you will handle my dispute in accordance with the XXXX XXXX XXXX XXXX, ensuring fair and accurate credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

NAMES: I need names deleted that I have never used: XXXX XXXX and XXXX XXXX.

ADDRESSES: need old addresses removed: XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX

EMPLOYER:  Remove " XXXX XXXX" and add Current Employer: XXXX XXXX
Product: Mortgage

In XXXX and XXXX of XXXX, two unauthorized payments to my mortgage account of {$620.00} each were attempted and failed, incurring NSF fees totaling {$60.00} ; I've no bank records of these attempted transactions and I did not authorize these payments. Numerous attempts to have this resolved have failed and my account has been restricted for the last three months, prohibiting me from making additional payments to the principle of my loan.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX. at XXXX XXXX XXXX, XXXX PA XXXX ( XXXX ) XXXX obtained my credit report from XXXX XXXX at XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX on X/XX/2017. This inquire for credit purposes was then released to other credit report agencies which is illegal. Additionally, I do not remember ever applying for a loan with XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim of a severe form of XXXX XXXX XXXX  under 22 U.S.C. {$7100.00} ( 11 ) or XXXX under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Debt collection

I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX, is writing this letter on XX/XX/2024, to file a complaint against XXXXXXXX XXXX and Credit Management L.P file XXXX for reporting a collection on my credit report that I had already paid on XX/XX/2024. I have attached evidence of her payment and proof that I called the company on XX/XX/XXXX at XXXXXXXX XXXX. on phone number XXXX to make my final payment. I spoke to the representative, and he adjusted my bill since my services were disconnected, and I returned the final equipment a few days before. The employee from XXXX adjusted my bill to {$250.00} dollars and sent me a link to my phone to pay the bill, which I did. However, on XX/XX/2024, my credit score dropped XXXX points due to a collection, and after looking into it, I found out it was from XXXX XXXX, a bill that I paid on XX/XX/2024. I have an excellent payment history, and in the month of XX/XX/2024, I paid almost {$15000.00} on my credit card. Therefore, I am very upset that this affected my credit when I am preparing to purchase a home. I contacted XXXX XXXX, but they kept transferring me to different agents, and nobody gave me a direct answer. They left me waiting, but nobody could give me an answer since I was scammed by their own employee, and they can find out because they record their calls and track their calls. The company employee from XXXX XXXX was a scammer, and they needs this erased from her credit report and investigated since more people can become victims, and this issue is extremely stressful to be resolved. 

I, XXXX XXXX contacted the collection agency and asked them to remove the collection from my credit report, but they refused to do so. I believes that this is a violation of my rights under the Fair Credit Reporting Act. 

I am requesting that the Consumer Financial Protection Bureau or Federal Trade Commission investigate this matter and take appropriate action against the collection agency and the scam company. I would also like to request that the collection be removed from my credit report as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had XXXX payments reversed on the same day by a scammer. ( XX/XX/24 ). I alerted the bank as I had issues with a payment from XXXX months before the date being reversed. I told them I did not authorize the reversals. They investigated and supposedly refunded the payments that were reversed to the merchants affected. None of the merchants have gotten any refunds. The bank said its up to the merchants to contact the issuer ( XXXX ) to get the money that was refunded. This all took place on a XXXX debit card. Bank supposedly refunded the payments on XX/XX/24. It is now XX/XX/24. These refunds should already be back with the merchants and my accounts with them properly credited. Scammer was reversing payments to try to get the provisional credit money issued. Complaint is with CHASE bank.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I have late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX : Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks, This was reported on XX/XX/2024 and in my proof it shows a payment being made on XX/XX/2024 and another on XX/XX/2024. This is the 3rd time Ive had to address this company. As you can see in the screenshots provided this company doesnt have accurate information overall because my bank has posted both charges but on Self platform one of the payments reflecting pending. This is very much concerning.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that XXXX. Listed below are the Personal Information that are being challenged Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Name : - XXXX XXXX XXXX Employer - XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX/DEPT OF ED - XXXX XXXXDEPT OF ED - 3XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX Listed XXXX XXXX XXXX Inquiries that are being challenged XXXX - XXXX XXXX  - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit card

On XX/XX/2023 I found fraudulent activity in my capital one Walmart credit card. Someone tried to transfer money as cash advances via XXXX and XXXX. XXXX denied but XXXX accepted. I reported immediately to Capital one fraud department.
Product: Mortgage

On XXXX XXXX I was notified of a delinquency with my TD Bank mortgage account via credit bureaus. I immediately contacted TD Bank and spoke to a costumer service representative who stated that my account was reported late because the payment I submitted on XXXX was insufficient due to an increase in Escrow. In all honesty I told them thats not considered a late payment being i paid on time.I proceeded to explain to the representative that I never received any correspondence informing me that my monthly payment or Escrow was increasing and that the application use to submit monthly payments doesnt specifically tell you what is the minimum monthly payment due but instead it gives the customer the option of inputting his/her desired amount of payment. My mortgage is usually {$2500.00} but i normally would send {$2600.00}. Furthermore the representative told me that if I made a payment of XXXX it would make up for the shortage of the mortgage Payment for XXXX and all she would have to do is reverse the transaction to show payment was satisfied for month of XXXX and it shouldnt be reported to credit bureaus. Ive reached out to Td Bank consumer credit dispute department via mail and just received their decision that they wouldnt remove the delinquency even though I explained to them that payment was and has never been late and I never received communication from them until the following month after delinquency was reported.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information on my credit report. The items I dispute are also encircled on the attached copy of the report from your bureau. 

This item ( a hard Inquiry from SYNCB/WALGREENS ) is wrong because I never made this transaction. I am requesting that this item be deleted. Please investigate this matter and delete the disputed item as soon as possible.
Product: Debt collection

Someone from telephone number XXXX continuously leaves voice messages on my answering service claiming to be attorney Maury Cobb, a debt collector. When I contact them on the phone to identify the debt the representative says they are attempting to find someone named XXXX XXXX. I have never heard of this person prior to XX/XX/2019. This harrassment has been ongoing for over one year.
Product: Mortgage

InXX/XX/XXXX, you requested your bank to pay your taxes from your escrow account. 
The bank only paid half of the tax bill, leaving you with a remaining balance. 
In XX/XX/, you realized that you were delinquent on your taxes and contacted the bank to pay the past due balance. 
The bank paid the past due balance and the penalty fee associated with it. 
The bank refuses to refund you the penalty fee because they claim that their negligence was not the reason for the penalty. 
I believe that the penalty would have been avoided if the bank had paid the tax bill in full like you requested earlier in the year.
Product: Debt collection

On XXXX XX/XX/XXXX, a letter was received by mail from a Debt Collector agency under the name KIMBALL , TIREY & ST. JOHN LLP. The letter is a demand for debt supposedly owed from the original creditor of " XXXX XXXX XXXX, XXXX XXXX, CA XXXX ''. On XXXX XX/XX/XXXX at approximately XXXX XXXX., I received a threatening phone call from the from the debt collecting agency in regards to the debt that is being mentioned on the letter that was sent by mail. The debt collecting agency presented in a threatening manner along with intimidation tactics that the if the debt is not paid then they will pursue legal proceedings and to include arrest due to the substantial amount of the debt that they are attempting to collect from the original creditor. 

Please be advised that the following unsubstantial debt has no basis to any legal claims due to the landlords violation of allowing illegal activities on the premise that created problems to the law-abiding tenants. The landlord ignored the plea from the tenant who requested reasonable solutions and accommodations for the safety of his family and other tenants due to the on-going criminal activities. Due to unsafe condition, my family and I were forced to vacate to another location and in result filed a police report to the XXXX XXXX Police Department ( Case # XXXX dated : XXXX XX/XX/XXXX XXXX. 

The landlord ( s ) failed to take reasonable steps to prevent the crime and reasonable steps to address the reasonable request for safety that the tenant presented during the residency period in result that a tenant suffered an assault due to the crime that occurred within the premise. 

The landlord has presented themselves to be crime-tolerant and ignored the reasonable request for a safe and healthy living condition. Furthermore, both the creditor ( landlord ) and the debt collector has engaged in intimidation tactics to collect the unsubstantial debt in which the tenant and his family did not ask for. There must be a way to protect us law-abiding citizens from such unlawful practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and am disputing some items that need corrected. The reasons why these items should be corrected are indicate below : REASON FOR CORRECTION : Item # XXXX : This collection is from a furniture store located in Texas. I have never resided in this state. This debt needs to be deleted. 
According to the provisions of the Fair Credit Reporting, these disputed items must be reinvestigated or deleted from my credit record within 30 days, but the credit company that is TransUnion has not sent me an answer and it's been more than 30 business days.
Product: Prepaid card

I was a in on the dispute problem like they know theft is a part of adjustments and net funds on my account and the reason they dispute it is because it's them they used a real secure card to take money I don't know I'm getting.
Product: Money transfer, virtual currency, or money service

( 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 Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress + for these violations.