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

I am contesting any information on my credit report that I believe is not accurate. The data included in the copy of this document has not been verified and should be documented before it can go onto my file as a result! The report that you have received is not accurate. I challenge this as an empty diagnosis without any factual proof. I request more information about where these accusations came from so we can work on getting them resolved immediately instead of waiting around indefinitely! I'm not sure what happened there but it doesn't meet federal or state guidelines for reporting, so please correct this immediately! If you suspect that a company 's claim is not in compliance with regulations or the law, do not submit it. This is a reminder that all of your claims need to be accurate and reported in the correct format. This requirement goes by two names : ( 1 ) The Fair Credit Reporting Act ; or ( 2 ), Metro 2 I demand proof of how you verified accuracy and compliance for any account you claim to be delinquent or derogatory. This includes proof of a permissible purpose for any inquiry into it and may also include other relevant information such as what was done with regards to investigating these suspected claims on your end. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove the information from my report. I also would like for you to mail me a copy of your actions and my updated credit report. The information you have provided does not appear to be accurate or verified. If any of these claims are false, please delete them immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are using fraudulent practices and color of law to continue the practice of identity theft when these corporations knows that there is no money the United States Corporation is broke. These credit companies are using unlawful practices to continue manipulating the credit of the XXXX XXXX XXXX, living being who owns the name, XXXX XXXX XXXX. These companies are using unlawful practices!
Product: Money transfer, virtual currency, or money service

I use Zelle most of the time to pay my rent or to send money to my son and sometimes theres different transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two collections account reporting on my credit with XXXX XXXX XXXX both for past due XXXX XXXX accounts. Both accounts were paid in full not settled. Payment was posted and both collections are still being reported as " OPEN '' and open balance as past due. I asked if they could email a receipt of payment and they stated they could but have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On date XX/XX/2020 cap one NA pulled my credit without my authorization from experian. Which is a violations under 15 usc 1681. Which clearly states that a person shall not use or obtain a consumer report for any purpose unless one the customer report is obtained for a purpose for which the consumer report is authorized to be furnished or two purpose certified in accordance with section 1681e title by prospective user of the report through a general specific certification. I XXXX XXXX did not initiate any type of transaction with cap one Na. Further more under the fdcra any person who knowingly and willfully obtained information on a consumer ( myself the consumer ) from a consumer porting agency under false pretenses shall be fined under title 18,. Im willing to settle the matter without why admitted liability for {$1000.00}.
Product: Credit reporting or other personal consumer reports

Hi, this is really worrying as there seems to be errors on your end as information that is not associated with me keeps appearing on my credit report. This is causing me undue stress and XXXX  on how could this happen
Product: Checking or savings account

On XX/XX/2023, with the assistance of a bank rep I opened a new CD with funds from a joint ALLY savings account to an ALLY acct. which was to be a joint CD. I have done this before with ALLY Bank online. The bank 's software was faulty and opened an acct. in my name only. This rep said she could correct and then we were disconnected. The next rep said she could fix and it never happened. Before I disconnected with the second rep, I asked for a case number, She gave me the number of one of our other accounts. I emailed the bank 3 times and got conflicting information back. Today I spoke to a supervisor who said it will be corrected in 7 t0 10 days. I also submitted a fax request yesterday. Interestingly, the beneficiary information passed over without me requesting it, but not the joint ownership. This is a very serious issue. Should I die, my husband 's fund would not go to him, but to the beneficiaries. This is not what we want and we are very concerned about all the misinformation. Hearing repeatedly it will be fixed in 2 days and now 7 to 10 days. I have no confidence that it will be corrected. 

Can you help correct the account title?
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a proper dispute with Experian on an unknown medical account # XXXX placed with XXXX XXXX XXXX for {$110.00} on XXXX-18. I contacted XXXX XXXX XXXX with a dispute and request for validation on this unknown medical account as per instructions from Experian on XXXX-18. I re-disputed to Experian with a copy of my dispute letter to XXXX XXXX XXXX on XXXX-18 along with proof of XXXX XXXX XXXX ' receipt of the dispute. Experian 's refusal to properly investigate or properly mark the account as in dispute is a violation of the FCRA and FACTA.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns regarding CASHAPP handling disputes in light of the recent CFPB lawsuit highlighting significant issues with this platform. Despite using CASHAPP numerous times and reporting any discrepancies, my financial institution and cashapp failed to investigate my claims adequately. I was informed that recovering lost funds would be impossible and that tracking the transactions was unfeasible. The CFPB 's findings indicate that CashApp has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system leaving consumers vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

A collection agency named Portfolio Recovery just reported a {$3500.00} collection account on my credit report. I have no idea what this is, and I don't think it belongs to me. Prior to this account appearing on my report, I did not receive a notice of my right to dispute. If I had, I would have contested this debt before they reported it. By reporting it without any kind of notice, they have violated my rights under federal collection laws.
Product: Credit card or prepaid card

I opened  Discover credit card b ecause I have been aware there was an offer to transfer balance at 0 % fee if I made the transfer by  XXXX  of this year. I had initially started applying for discover card online, but stopped completing the submission, until a representative from discover contacted me to verify certain information and to complete the application process. At the time, I have again confirmed with the account representative that my balance transfers would be at 0 % transfer fee if done by  XXXX  and he had said yes, which was the main reason why I had decided to open the account with Discover. However, when I went online to register and transfer balance, it showed 3 % transfer fee if done by  XXXX   2017 , which was not what was originally discussed to me. I just contacted discover again this morning, and spoke to a representative and all he can say is that he is sorry and do n't know why that was told to me, but I was only approved for the 3 % transfer fee. It is truly disappointing.
Product: Credit reporting, credit repair services, or other personal consumer reports

After carefully reviewing my updates, I discovered incorrect information in my credit reports. TransUnion Credit Bureau has failed to adhere to the Fair Credit Reporting Act, specifically 15 USC Section 1681i. They continued reporting unverified information without providing any evidence within the legally mandated time frame. As a result, this unauthorized reporting includes the following inquiries on my credit reports : XXXX  on XX/XX/XXXX, XXXXL XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, and XXXX XXXX on XX/XX/XXXX.
Product: Mortgage

Hi this is XXXX XXXX XXXX .I have requested for my mortgage servicing company RUSHMORE ( Loan # XXXX ) for a deferment of mortgage payment for three month due to being layed off as a result of Corona Virus.I have tried several times to call them to no avial. 

their address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX PH # XXXX Thank you for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent you a letter regarding inaccurate things on my credit report on XX/XX/2021 but to this day more than 60 days have passed, but I still received no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now, and your inaccurate reporting still affects my credit nor i get response from you. Apparently, you are ignoring my letters for some reason. These errors are causing me serious trouble so if this doesnt get resolved I will seek legal action. My information was impacted by XXXX data breach and may got into hands of the wrong person and its your obligation to fix all these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey I should not have a XXXX  account!!!! I should not have a balance! I keep reading on my reports that an account is open, AFTER telling them twice to close it, then you guys take their side with no proof.after I verbally told them I have no account and to close it, now im convinced that this is a scam, they also ran an unauthorized credit check on my report, they have no proof I have agreed to anything.because I didnt this was all fraudulent activity for several monthsso none of you will help? My next step is legal action, because im not sure who phone is being notified but its not mine my email is never notified either I havent even gotten mail from these people regardless of what they say
Product: Vehicle loan or lease

mae payments to XXXX XXXX XXXX using their online portal to use XXXX XXXX. On XX/XX/2023 | paid XXXX using my debit card and was charged twice. On XX/XX/2023, I paid XXXX, which also was charged twice. At that time I have tried over and over again to communicate with this company to get those payments applied to my account or refunded. I have sent multiple copies of my statements to no resolve. 
received an email stating that those funds were refunded to my account which the statements show that they were not. I tried disputing it with my bank in which they told me the merchant said it was paid so no refund is going to be given and the case closed. The funds that that were taken out and never refunded back to me are highlighted in yellow in the attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this item on my credit report stating factual errors on my credit report that the credit bureaus has consistently failed to investigate regarding my Chrysler Capitol Acct # XXXX Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
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 Also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Chrysler Capital is reporting an account as a write off. The account is not in collections and the payment is current. 
I have contact XXXX and have spoken with a representative requesting all payment history, request a 1099 or any data showing a write off. Was told the account is not write off. And they will send the statements. They can not do anything about how or what the credit bureau is reporting.
Product: Credit reporting or other personal consumer reports

My Birthday has been incorrect I have been trying to fix for month I was told Equifax couldnt verify after sending ssn my dl and driver permit
Product: Vehicle loan or lease

This complaint is regarding the title on a car purchased from Carmax in  XX/XX/XXXX. The vehicle Vin # XXXX. I now no longer have this vehicle due to another dispute ( Lemon Law ). I filed a complaint through Carmax several times for different things such as in their possession all of my things were stolen out of the car. This time I just paid two tickets in the amount of {$290.00} due to Carmax system taking the title out of my name 3 times during XXXX and XXXX that resulted in a moving violation because my title was not registered to me the first incident happened in XX/XX/XXXX and the second XX/XX/XXXX. It was awful I almost was arrested because of the known scam of unregistered tags but this was actual my car and I was driving it when I was pulled over by police. Carmax stated they would reimburse me and never did. The vehicle was also impounded by the police during the XXXX incident I had to pay the impound fee and tow yard fee. I would like to be reimbursed for everything. Please see receipts attached.
Product: Checking or savings account

on XXXX XXXX XXXX opened a checking account at citibank for {$110000.00} using a attorneys check coming from citibank account. Made three transactions. One check to pay rent - one bank check made out to myself and deposited at XXXX. one wire transfer to my account at XXXX. thats it. Got form letter with no explanation your account closed suspected fraud. Called citibank- no reason. Branch manager at a loss for explanation. My funds held for up to 60 days and not notified until 10 days after closure ( could have bounced checks ). concerned about my credit rating and professional reputation ( hold series 7 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

The following company never proved their methods of verification through several stages of written credit disputes : PHEAA/FED LOAN SERV The letters that were sent out are as follows : dispute letter 1 -- mailed on XX/XX/XXXX and received on XX/XX/XXXX dispute letter 2 -- no response letter mailed XX/XX/XXXX after over 30 days of no response dispute letter 3 -- VIOLATION OF FCRA RIGHTS DISPUTE LETTER # 4 mailed XX/XX/XXXX after 30 days of no response or correction to the credit reports. 
Dispute letter XXXX OF DEBT TO ORIGINAL CREDITOR The company failed to verify the debt IN WRITING with original documentation of proper verification of debt per FCRA guidelines and within the given timeframes. Company also failed to remove the debt per FCRA guidelines and by law must remove the debt for failure to provide proper verification within the given guidelines of the dispute process.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, as well as other credit reporting agencies, is obligated by the FCRA to report accurate accounting. As the consumer, Ive stated this account has been reporting inaccurately and fraudulently. XXXX labels this alleged debt as a Charge-off, which is income according to the IRS. Its specifically against the law for any credit reporting agency to report income on a consumer file/report. 
Also, the Equifax company is liable under the SEC to follow certain rules. EQUIFAX XXXX file number XXXX .P. 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. Since this is an alleged charge-off, I will be filing form XXXX treasury forms to audit this account, as the consumers account. 
EQIFAX, as well as XXXX and XXXX are securitizing consumers data yet refuse to provide me, the consumer a copy of the CONSUMER FILE and NOT CONSUMER REPORT. 

Check the photos as well as letter attatched
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection agency named XXXX XXXX informed me that they notified Equifax to remove a collection account they had reported in error ( # XXXX ). Equifax refuses to delete the account. I have disputed the account with Equifax twice, but they refuse to take it off of my report, even though the collection agency ( themselves ) have asked them to.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
US DEPARTMENT OF EDU XXXX XXXX : {$4400.00} ; US DEPARTMENT OF EDU XXXX XXXX : {$9600.00}.
Product: Mortgage

I have been requesting cancellation of private mortgage insurance for the past four years. I have contacted Nationstar/Mr. Cooper many times asking for this to no avail. They sent an appraiser out in XX/XX/2017 and I have still not heard anything back. I contacted them following this appraisal and they claimed that they never did an appraisal. I am above 80 % loan to value and have been for years. I am requesting they refund this premium back to the original request date and cancel this coverage. 

I appreciate you help in this matter. 

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

I have contacted XXXX XXXXXXXX XXXX  XXXX for debt verification they have failed to provide. I have contacted Equifax and XXXX for any form of verification they have failed to verify. Collection activities have continued after I have notified all parties in writing that the account is in dispute. I am requesting immediate removal from my credit report
Product: Credit card or prepaid card

I have owned my domain for 15 years. I have used the same email address for interacting with Best Buy for that duration, and the address is current/active. I own the mail server, and have verified that I am receiving everything I should. I have used this same email address with the credit card company through Best Buy ( Citi ) for about 12 years. I have no issue, again, with the email address, and verified with two reps that I had received my statement on XX/XX/2023. 

My problem is that for the past six months, every time I log in ( regardless of machine, browser, or app ) I receive an error " we're having trouble contacting you, please enter your correct email address ''. No matter how many times that I enter the email address, the next time I come back - even if it's only been seconds - I must type it in twice. 

I have attempted to contact the Citi group card services, and have received incompetent outsourced call center staff that don't seem to have any clue what I'm talking about, and are reading irrelevant things from their script. I've been promised some imaginary " back office '' person would fix the issue- it has not. I have been promised " supervisers '' that could do this - and was probably given a lateral transfer to another inept Tier 1 call center rep from the other side of the world. I've been told nonsense - and lies. and had promises that this would be resolved. 

To be fair, I can make purchases with no problem. I receive email with no problem ( despite the claim during login ). And, if I type in my email address twice ( each time ), I can view my account details, make payments, etc. However, something is broken with the account, if it can not hold an email address which has been in the system for over a decade, longer than one login session.
Product: Credit reporting, credit repair services, or other personal consumer reports

n 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. 

I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : Account name : Account Name : XXXX XXXX Account Number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Money transfer, virtual currency, or money service

I have made a payment of {$97.00} on PayPal to XXXX XXXX XXXX XXXX on XX/XX/2020 for a product. After I made the payment and told him, he instantly blocked me on XXXX XXXX. I'm convinced that he has done this with not just me, but with many other people as well. This is blatant fraud and scam.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF XXXX XXXX, AFTER FINALLY GAINING BACK ACCESS TO MY PERSONAL INFORMATION I NOTICED A SLEW OF ACCOUNTS THAT I NEVER CONSENTED TO BEING OPENED NOR HAVE I UTILIZED. I WAS ABLE GET SOME ASSISTANCE WITH VIEWING ALL MY CONSUMER REPORTS AND CONTACTING THE CREDIT REPORTING AGENCIES. 

CONTINUING TO FURNISH THESE FRAUDULENT ACCOUNTS TO MY CREDIT REPORT IS IN VIOLATION OF BOTH 15 USC 1681 C-2 AND 15 USC 1681 C-3.

EACH REPORTING AGENCY HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY AND DUE TO THE UNFORTUNATE EVENTS, THESE ACCOUNTS WERE SUBJECT TO REMOVAL WITHIN 4 BUSINESS DAYS. 

AS I HAVE GOTTEN BACK ON MY FEET, THESE ACCOUNTS ARE SEVERELY IMPACTING MY ABILITY TO OBTAIN NEW LINES OF CREDIT FOR MYSELF. MY CONSUMER LAWS ARE BEING VIOLATION WITH THESE FRAUDULENT ACCOUNTS BEING REPORTED.