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

On XX/XX/XXXX, XXXX XXXX XXXX XXXX requested an background check on me, XXXX XXXX. This check was done by the Business Information Group. The check was done by making phone calls to the companies listed in my resume on XX/XX/XXXX and XX/XX/XXXX. 

The two dates mentioned are the Friday before XXXX and XXXX XXXX, respectively. They were unable to reach a single person at any of the companies I worked for, because all of them were closed for XXXX holidays. This includes XXXX XXXX XXXX XXXX, the company that I was presently working at, also the company that requested the report. 

In other words, the company I worked at was unable to verify with themselves that I worked there. The end result of this is that I was let go on XX/XX/XXXX. The email that mentioned I was let go confirmed the mentioned report as a direct influence on the decision. 

I attempted to resolve this issue both with XXXX XXXX XXXX XXXX XXXX XXXX department and through the dispute process with the Business Information Group. I received no additional information from XXXX XXXX XXXX XXXX, but a dispute was registered with the Business Information Group at XX/XX/XXXX. 

I was told the dispute would be resolved within XXXX days. On XX/XX/XXXX, I was told the dispute was resolved. No changes had been made to the report and no further investigation had been done, prompting me to send this report to the CFPB.
Product: Checking or savings account

I submitted my dispute to CashApp on XX/XX/2022, which was not credited until XX/XX/2022, well over 10 business days after the dispute was submitted, with no notification on record from CashApp about the credit being applied, and nor was I notified about CashApps supposed investigation results until XX/XX/2022, three business days after providing the credit, purposely putting me in a position to have a negative balance, all the while CashApp knew of their selected the results of the investigation, while still crediting my account just to withdraw the credit after my use, with no notification or record on file from CashApp about the credit that being applied to my account, it being provisional or temporary.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and fix them immediately in my report : SXXXX XXXX XXXX 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
Product: Money transfer, virtual currency, or money service

On XX/XX/year> on i was supposed to be sent {$1000.00} to my Zelle account ( XXXX XXXX ) from a family member for a Christmas gift and it went through from there bank but never was directed to me. To be honest i have no clue where it went, but i know i was supposed to get it sent to me and it left her account and disappeared after that.
Product: Mortgage

My loan serving was transferred to OCWEN Home Mortgage effective XXXX/XXXX/XX/XX/2014. From this date OCWEN has not paid my property taxes from escrow on time. I have spent hours on the phone with them to ensure that my property tax is paid. Taxes have been due XXXX times since they took the loan servicing and each time they have been late and/or required significant effort on my part to pay the bill correctly. It appears that they do not know how to : transfer the funds to the correct place, track the funds, ensure the funds were received, or readily provide me with proof that the tax payments have occured on a specific date for a specific bill ( such as with an account transfer record number ). They also keep asking me to confirm my property 's Lot and Suffix number.
Product: Debt collection

Please help stop this debt collector Midland Funding LLC. from reporting this debt on my credit report. The debt is past statue of limitations XX/XX/2012. I am a single Mom, trying to get on my feet put a roof over mine and my daughter 's head, and no one will rent or lease to me, Thank you in advance for all your help
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, and XXXX have 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 an 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 or 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 data is inaccurate.
Product: Credit card or prepaid card

My statement of XX/XX/XXXX to XX/XX/XXXX showed an item of " XXXX XXXX XXXX {$490.00} '' adding to my statement. 

The first time that this {$490.00} showed on my statement was in XX/XX/XXXX. And I didn't recognize it, since it was saying the {$490.00} was for XXXX, but I never had a XXXX account. And I was in XXXX during the period of XX/XX/XXXX to XX/XX/XXXX and I couldn't use this card in XXXX. Clearly, it was a fraud. 

I reported this dispute of {$490.00} to the bank and they were pretty helpful and gave back my money. 

But on my XXXX 's statement, this {$490.00} together with other transactions ( I recognized and paid for those ones ) showed again. 

I called the bank. They told me after investigation, this transaction was made by XXXX and the bank didn't recognize it as a fraud anymore. BUT, I don't even have XXXX and I wasn't able to use Discover Card in XXXX. 

The bank told me that they would go through another investigation of my case. It has been two months since I reported the issue. And I haven't had any feedback from the bank yet.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting

I have sent correspondence to you to support this info. 
Based upon information received indicating a high probability of success, I applied for a credit card with XXXX. I was declined based upon information provided by Equifax even though I subscribe to Equifax monitoring service. My monitoring service indicated that my score is " good '' at all XXXX credit services. The score at Equifax was a XXXX ( XXXX score was a XXXX ). When I got my rejection letter from XXXX, it indicated that Equifax reported a XXXX. 
Either Equifax provided bad information to XXXX or to me- which if that is the case - why am I spending {$19.00} a month for inaccurate information- that is fraudulent. 
I am planning on traveling out of the country next month and did not want to incur foreign transaction fees- this error on their part will cause me financial harm. 
Note, I am not at a computer that will allow me to upload information, but will if requested.
Product: Debt collection

After transmitting a Certified, Return Receipt " Cease and Desist Contact '' letter to XXXX. ( A debt collection agency - herein " XXXX '' ) on XX/XX/XXXX, I was extremely surprised today, XX/XX/XXXX, nearly four years after said letter was received by XXXX, to have received a call from this same debt collector. The man asked to speak to me by my first and last name, asked to verify my year of birth, and then proceeded to identify himself as being from XXXX and that the purpose of the call was to collect a debt. After confirming that the man was in fact calling from XXXX, I simply disconnected the call, and began filing this complaint.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXXX Account Name : XXXX XXXXXXXX # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX and XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/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 XXXXXX/XX/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
Product: Mortgage

see attached email from XXXX addressing the base and re-levies tax amounts Dear XXXX : It was nice talking to you again today.. We appreciate the opportunity to address your questions and concerns. 



The mortgage company provided us with more information. The legal they provided describes tax id XXXX ( aka XXXX XXXX ). Our system has been updated with this tax id for future reporting. 



We also provided the below information to the lender asking them to address this issue right away. 

There are the following delinquencies for tax id XXXX ( aka XXXX XXXX ) : XXXX town XXXX. Total good thru XX/XX/XXXX is XXXX This XXXX XXXX bill included the following re-levies : XXXX XXXX base XXXX. XXXX XXXX XXXX XXXX base XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, The Company Was Put on Notice with the Delivery of the Following USPS Mail Tacking Number : XXXX I, XXXX XXXX In representation of XXXX XXXX XXXX, XXXX Beneficiary, claimant, am writing to inform XXXX, EXPERIAN XXXX XXXX that XXXX XXXX has been reported as a victim of defamation, financial injury, and violations under FCRA Section 605 ( c ) and Section 611 Part ( A ) ( 1 ).

This notice is not an attempt to dispute any part of these fraudulent accounts but a legal and lawful demand. Therefore, I am not legally obligated or liable to pay any of these fraudulent accounts or debts under the FCRA. XXXX XXXX has not presented a valid contract with a signature, although it has been requested in the previous affidavit. 

I want to make it clear that I am reserving all rights under my consumer credit profile with your company as a consumer under the Fair Credit Report Act. XXXX, EXPERIAN XXXX XXXX do not have the legal authority to decline this demand to block information on the basis of a misrepresentation of fact by the consumer or any other reason under 905B ( c ). Kindly send notice if XXXX, EXPERIAN XXXX XXXX declines to block information and provide proof of your claim supported by an affidavit that NAME HERE misrepresented any fact contained herein. 

Failure to comply with any requirement imposed under 15 U.S. Code Subchapter III- Credit Reporting Agencies will constitute your organization 's willful/negligent non-compliance, making your organization civilly liable pursuant to 15 U.S. Code 1681n and MD Code, Commercial Law, 14-1213 for actual and punitive damages along with attorney fees. I do intend to sue your organization and file a complaint with a court of general jurisdiction in the state of Colorado for your non-compliance with federal and state law. Please govern your actions accordingly and send a corrected report promptly. Parties are subject to fines and a minimum of {$1000.00} per fine under the FCRA ( Fair Credit Reporting Act ). 

Sincerely, XXXX XXXX XXXX, XXXX Beneficiary In representation of XXXX XXXX, claimant.
Product: Credit reporting

XXXX XXXX XXXX account number XXXX.This account is listed on my report as last payment made XX/XX/XXXX, that 's incorrect my last payment was XX/XX/XXXX.XXXX fail to validate this account and my name is incorrect.
Product: Debt collection

I was a victim of identity theft. I wrote to the company on XXXX XXXX, 2017 and told the collection agency that I was a victim of ID theft. On XX/XX/XXXX, I got word they reported a collection to the credit bureau and the result I went from a XXXX credit score to XXXX. I have made repeated calls and no help. They informed me that anyone could claim identity theft and that I would either need to pay it or it would stay on my report. I have written another letter today in hopes of resolving matter. I tried to file police report back in XX/XX/XXXX but was met with the attitude that it was n't worth my time. They had bigger crimes to solve. That was disheartening. I am now documenting all my letters so that I can create a chain of evidence. They claim they never got my last letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize this company " Portfolio Recovery Associates LLC '' to report this on my credit report. Under the FCRA 15 USC 1681b ( 2 ), they have violated my rights yet again. I had this removed off of my report and now it Is back on. 

15USC 1681b ( 2 ) states " In accordance with the written instructions of the consumer to whom it relates. '' I want this removed from all of my credit reports, Ceased & Desist ASAP!
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I used XXXX to finance the purchase of a XXXX XXXX XXXX from XXXX XXXX AZ. The loan amount was {$760.00}, XXXX passed the loan to Monterey Financial ( Account XXXX ), and I paid it off XX/XX/XXXX. 

XXXX days after paying off XXXX XXXX Monterey ( Account XXXX ), I applied again through XXXX, XXXX again make a purchase from Tactical Studio AZ and again purchase a XXXX product XXXX this time a XXXX Prodigy XXXX I was approved XX/XX/XXXX to borrow up to {$2000.00} from XXXX. I then completed the XXXX XXXX purchase through XXXX XXXX AZ for {$1400.00}. 

I received notification that my loan was once again sent to Monterey Financial ( Account XXXX : XXXX ), and upon logging in to manage my loan I saw Monterey showed my balance as {$3300.00}. I then sent them an email with my receipt and asked them to correct the balance, to which they responded the lease amount was correct. 

This is when I realized Monterey Financial had engaged in intentionally deceitful lending practices to obtain over double the amount of a purchase price, as well as finance over {$1300.00} more than I was approved for. 

I immediately called and told Monterey Financial I had no intention of entering into a lease, I did not even think a lease in this scenario was possible, I expressed I didnt even understand what they meant by lease, and that because I felt they intentionally deceived me I would like to turn in the lease. Monterey advised that I would need to contact XXXX XXXX AZ. Frustrated, I called XXXX XXXX AZ and informed them I was unhappy with XXXX partner, Monterey Financial, and I would like to turn in my lease. XXXX XXXX AZ informed me, they do not have the ability to return a firearm as it is a federally, serialized, registered product. 

Monterey Financial intentionally deceived me into a financial product that I didn't even know existed or could exist, in order to loan me more than I was approved for, with financing in excess of double the cost of the actual purchase amount. They were able to do this by simply stating you signed in agreement, which is not true. I signed in absolute confidence and trust, that I was mimicking the loan I had paid off just 4 days earlier, by purchasing from the same retailer ( XXXX XXXX AZ ) using the same financial service ( XXXX ) for the purchase of a product from the same manufacturer ( XXXX ).
Product: Checking or savings account

I was computer hacked. The hackers took {$5000.00} from my personal checking in the form of a purchase charge from a company I've never heard of. The same day Wells Fargo authorized a {$1000.00} XXXX transfer to someone I have never heard of. WF refunded me the {$5000.00} as they could apparently verify that this was an illegal transfer. However, they refuse to return my remaining {$1000.00}. The required me to fax any documents to support my claim of being hacked, so I spent {$12.00} at XXXX faxing copies of my XXXX, XXXX, XXXX... etc accounts that were shut down and needed to be reset. Not only did they deny my appeal, but they never contacted me to ask what happened or tracked down who the money went to. They simply don't care. I work very hard for my money and apparently Wells Fargo does not. This was 100 % fraud and they refuse to resolve the issue. There is a hole in their XXXX system and in their investigating practices. I am Outraged!
Product: Credit reporting or other personal consumer reports

A month ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

On XXXX of 2024, some one had convinced me that they where from a loan company that was collecting a debt so they hacked my bank account and my cash app account for XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and someone used my information to obtain credit card with XXXXXXXX XXXX and XXXX. I have contacted these companies and spoke to their fraud department and was advised to file a dispute under fraud. These accounts are reported as closed. XXXX account number partial reported is XXXX and XXXX  account number partial reported is XXXX. These fraudulent accounts need to be deleted from XXXX, Trasnunion and XXXX I have already submitted my FTC fraud affidavit.
Product: Credit reporting or other personal consumer reports

I did an identity theft report and police report related to identity theft and sent this information to the credit reporting agencies. XXXX and XXXX removed this file on XX/XX/year> and Sheffield Financial reported in acct back on my file on XX/XX/year>. XXXX and XXXX then removed this acct again on XX/XX/year> and Sheffield Financial re-reported this account again on XX/XX/year>. I want this account removed from my XXXX and XXXX reports immediately.
Product: Credit card or prepaid card

I sent a check in on XX/XX/21 in the amount of XXXX dollars. The bank said it was cleared on XX/XX/21 but the payment was never credited to my account. And Everytime I call I get someone overseas and they dont understand me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I have a Bank of America and XXXX Bank equity line account at is over XXXX XXXX XXXX and it should be remove for my account. Equifax refuse to remove this information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX Upon checking my score with Experian i noticed my score dropped XXXX to a score of now XXXX points due to " an account 60 days past due or derogatory indicator '' However my credit summary reflects a perfect payment history and my score at XXXX and XXXX as well as my personal banking credit score does not reflect any derogatory indicators and my score through these reporting agencies reflect XXXX respectively. 

I have contacted Experian approximately 20 times to resolve this issue and have not been provided with a solution to why this is being reported upon logging into the Experian app. This situation has caused me an enormous amount of stress. I should not have ANY derogatory accounts or missed payments on my credit report When i attempt to dispute this with Experian they transfer me to different departments and refuse to remove the derogatory indicator from my credit summary. The Derogatory indicator is not linked to any specific account it simply is just posted to my credit summary. When I attempt to view my payment history my rating has changed from " Exceptional '' to " Good '' with a last missing payment date of " Unknown ''. 

This is false reporting on my Experian Account.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that I marked as inaccurate Dep of Ed, XXXX, XXXX XXXX.