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

This account is Charged off from XXXX XXXX XXXX which was then sold to XXXX XXXX  XXXX which is a violation of my rights I never gave any written consent for this to occur this is identity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX 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 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 I submitted dispute to XXXX  & all the bureaus because I was a victim of identity theft and they have this reporting as it was included in my bankruptcy which it was not. It was a part of my identity theft. I filed everything according to FCRA section 605 and I went down a check list and everything I submitted was acceptable to all the other creditors & bureaus from the identity theft was a victim to and now target & is saying they looked at my submitted documents which include identity theft affidavit signed by the officer that I filed police report with & it was noterized and I included the police report and all other documents required. So as stated in the laws on FCRA sections 605,609, 611,623 & their subsections XXXX  is in violation of multiple breaches of the law and it is within my rights to request all sources and methods they used to verify and for them to remove this inaccurate information from my credit reports before I excerice my right to take legal action as stated in section 616 of the FCRA. 

The account number in question is XXXX Also I want to know how they were able to access the sources of my information and how they finished my dispute so quickly
Product: Debt collection

I wanted to notify that there is XXXX ( or more ) people falsely operating under a legitimate corporations name in order to obtain personal information from people such as SSN, dob, names and addresses. 

After a repeated requests from my boyfriend for further information before he would provide any personal " verification '' they hung up. I researched the phone number and found they had been doing this as far back as 2009. 

I have listed their website below for your information and in case it assists you in any action you would like to take. I found it after listening to the original voice mail they left again and calling back " after business hours '' and receiving the recording. 

I just hope this is helpful to you in some way and they can be stopped from potentially ruining people 's lives and credit by stealing identities. 

Phone # XXXX Website : https : //www.vanruezpay.com
Product: Credit card or prepaid card

I was supposed to receive rewards points converted into cash and doubled by Discover after one year. I did not use any of my points at all and now I want {$230.00} in cash as advertised and promised. Company didnt want to give me my money
Product: Mortgage

In XXXX of XXXX Lakeview Loan Servicing LLC ( Subserviced by XX/XX/XXXX ) increased the escrow amount on our mortgage loan by {$890.00} without notice, thus adding that amount to our overall monthly mortgage payment amount. The statement attached was posted to our online mortgage servicing/payment account after the escrow increase had already taken place, though it is dated XX/XX/XXXX. 

Due to the coronavirus pandemic and the implications of it, we were then involuntarily put on a forbearance plan. Keep in mind this was without our consent. We were in the process of refinancing with another lender, but were then told we couldn't move forward with the refinance because of the forbearance plan that Lakeview put our account under. At this point, our escrow account was unknowingly emptied and the balance on our mortgage bill had been racked up to total about {$7700.00}. It is believed that Lakeview did this intentionally to keep us from refinancing with another lender. We were not able to get anyone on the phone regarding this issue for approximately 3 months. It took leaving a review on XXXX to finally get their attention and get someone on the phone to talk through the matter. 

After paying off the balance that was left on our account from this error. We sought to refinance from a different lender. On the VERY DAY that we were set to close with our new lender, we realized that Lakeview had intentionally reversed our last mortgage payment to them - making the payment late ( which is obviously not ideal when refinancing as every bit of your payment history is assessed ) and making payoff amount to be sent from the new lender inaccurate. We have never once had the issue of Lakeview and their staff initiating a payment to be returned. Again, we believe that this was done intentionally by Lakeview to keep us and our loan trapped with their company.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax regarding the incorrect reporting of an account from the XXXX XXXXXXXX XXXX XXXX XXXX ( Account Number : XXXX ) on my credit report. This account contains inaccurate information that the original creditor can not verify, as they do not have an office of compliance to validate the report data. 

Details of the Complaint : Inaccurate Account Information : The account name, balance, original balance, payment history, and balance update are all incorrect.

This account is marked as closed and should not appear on my credit file in its current form.

Failure of Verification : The XXXX XXXXXXXX XXXX XXXXXXXX XXXX does not have an office of compliance to verify the reporting data. Therefore, the information on this account can not be verified, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Impact : The inaccurate reporting of this account has caused significant harm to my credit profile, negatively affecting my ability to obtain credit. This has resulted in unwarranted financial stress and hardship. I believe Equifaxs actions violate 15 U.S. Code 1681e ( b ) - Accuracy of Report, under the FCRA.

Request for Resolution : I am requesting the CFPBs assistance in ensuring that Equifax fulfills its obligations under the FCRA by : Deleting the inaccurate account information from my credit report. 
Conducting a thorough and reasonable investigation into my dispute. 
Providing me with an updated copy of my credit report reflecting the deleted account. 
I expect a swift resolution to prevent further damage to my credit standing and financial well-being. I have attached a copy of my identification, social security card, and the disputed account with highlighted incorrect information for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion received my last dispute about the bankruptcy they are reporting on XX/XX/2022. That was validated by them on the phone call made on XX/XX/XXXX. On that phone call it was made clear that they had went over the 30 days they had to investigate. I have been disputing this item for over a year now! 

Not only that, I have a letter from the courthouse saying they do not verify the information, I also have a letter from XXXX stating that it has been deleted from my account. After sending this information to them they are still saying the account is verified, but not providing from who they are getting this information from. 

Federal law requires TransUnion to respond within 30 days, yet they have failed to respond. They have also failed to provide the furnisher of there validation. 

TransUnion is also the only credit bureau that continues to report this information. Both XXXX, and XXXX  have removed this item. Both due to no proof. 

I have provided a copy of the letters from the courthouse, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts on my report I have asked for proof of how XXXX credit bureaus verified my information and I asked for proof of a contract from the original creditors with my wet signature.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and file complaint to MERCEDES-BENZ FINANCIAL for certain inaccuracies on my credit report, which I believe do not comply with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). My name is XXXX XXXX XXXX, and my date of birth is XX/XX/year>. My correct address is XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX. The FTC report numbers related to this complaint are XXXX. Upon reviewing my credit file, I have identified several questionable entries that appear to be duplicative or otherwise inaccurate, with no evidence of authorization or approval by me. These entries do not reflect any transactions, accounts, or activities that I have knowingly initiated, and I believe them to be fraudulent in nature. Under the FCRA and FACTA, I am entitled to dispute any inaccuracies on my credit report and to request that unverified or erroneous information be removed. I formally request that you investigate these items and, if they can not be properly verified, remove them from my credit file in accordance with federal and state law. Per FCRA Section 605 ( 15 U.S.C. 1681 ), I expect that any unverifiable information be removed or corrected, and under FACTA Title 1, Section 151, I am entitled to receive proper documentation proving the accuracy of these entries. I expect a thorough investigation and timely resolution of this matter, and should these entries remain unresolved, I will take further legal steps to protect my rights.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XX/XX/XXXX. Received this random letter in the mail stating I owe {$5500.00}. MBNA AMERICA AMERICA BANK was sold to another corporation in XXXX, so that company does not exist as named on the letter. I am cleaning up my credit report which had years of false and inaccurate information in it, as far back as XXXX. It's been a three year project. I see on XXXX  that this business has pulled this scam on many many people. Once they get your personal information they constantly call your cell phone, constantly contact employer and threaten to sue you. I am on a fixed income. I am not going to respond to this company. I am certainly not giving them my telephone number, or any other questions they expect answers to. I have attached this form letter. 
Lately, I am getting junk emails and postal solicitations from random companies offering me credit related garbage. So either the credit bureau gave out my info or XXXX gave out my info. Both need to stop now.
Product: Credit reporting, credit repair services, or other personal consumer reports

They are saying they did a investigation who did they talk to. 15 usc 6802 states that non public information must be disclose in writing or electronic form. Which has not been disclose or a correct investigation to see if the information is reporting correctly. please go to the court house to get the correct information. Please in your investigation process send me a copy of the bankruptcy discharge paper. something stating who they talked to during the investigation process. If not the investigation is not done correctly by law.
Product: Money transfer, virtual currency, or money service

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 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
Product: Credit reporting or other personal consumer reports

please delete the following accounts and inquiries Account Name : XXXX, XXXX. 
Balance : {$620.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX  When was the Account opened : XXXX. XXXX, XXXX Account Balance : {$1500.00} Account Name : XXXX XXXX, XXXX Account Number : XXXX  When was the Account opened XXXX. XXXX, XXXX Account Balance : {$3200.00} Account Name : XXXX XXXX XXXX Balance : {$13000.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX XXXX : {$0.00} Account Number XXXX  Date Opened : XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes, I have noticed several issues with my Credit report and score with USAA Federal Savings Bank. I have had to file too many complaints against USAA with you the CFPB, and nothing changes, issues only seems to get worse! I just called USAA about hard Credit Reports run in XX/XX/XXXX- apparently 4, for auto loan, due to being sold a lemon XXXX by XXXX XXXX XXXX XXXX XXXX AL . ( Now have third lemon car sold XXXX XXXX XXXX of XXXX AL as well ... utilized same techniques as XXXX XXXX and XXXX XXXX odd! ) I talked with a XXXX at USAA Debit Card Services, ( at XX/XX/XXXX appx XXXX CST ) and she was of no help, and did not know if USAA was in fact investigating me, when told her have seen two USAA vehicles in local area among other things we discussed such as USAA not being open as used to be 24/7- to accommodate service members abroad! Also asked speak USAA Executive Resolution and XXXX told me not available. Odd,  considering have spoken with them in past this early in morning! I then called and spoke with a XXXX ( (XX/XX/XXXX appx XXXX XXXX CST ) and asked XXXX about my Credit Score, if could increase Credit Limit as USAA has offered several times recent past, and if USAA Investigating me- as mortgage folks USAA always ask if I am residing at residence I have mortgage USAA with, but loan be serviced one worst companies XXXX ( filed numerous complaint 's with CFPB aboutl XXXX XXXX- furthermore told XXXX could go on " vacation '' as long as wanted, last I looked! )! XXXX was of no help as well, stated had run Credit Check to increase my Credit Card limit, because did not take when offered. Asked XXXX to simply offer me again to increase limit- to avoid Credit Check- XXXX said could not ( never been told USAA Federal Savings had run hard credit check to increase my Credir Card limit eber before speaking with XXXX- odd ? )! Also, XXXX stated not aware I was under Investigation USAA. ( Was trying increase limit Credit Card per factors " hurting '' my Credit Score! ) All of this is very odd, as per USAA Credit/Theft Protection home, loans, car loans etc ... are supposed be lumped together as one hard credit check- and I only supposedly have 6- hard Credit Checks last year to 2-years! Furthermore, I have only utilized 1 % of my Credit, and my Credit Card only recently went a few hundred dollars over the 30 % limit of XXXX-dollars! So why is my Credit Score dropping at such a rate and am I in fact the Target of some USAA Federal Savings Bank Investigation? If so why and is any potential investigation into/ against me by USAA in conjunction with local, State and Federal Law Enforcement Agencies , signed off by proper authorities i.e. Judges? Finally, for some odd reason USAA Home Monitoring Services increased value my Home to $ XXXX-dollars ( highest ever valued by USAA ) since my last CFPB Complaint against USAA and " XXXX XXXX '' Case and recommended by 4-local attorney 's force into foreclosure with USAA! 

Thank you any response in advance ... ...
Product: Credit card

XXXX Bank ( care credit ) closed my account a few weeks ago because a payment of XXXX was returned due to incorrect account information. I typed the account number wrong. Missed by one digit! They closed my account and manager told me this company dies it continuously and many times its an IT issue! They need to be punished for this!
Product: Credit reporting or other personal consumer reports

Despite my previous attempts and your assurances, the fraudulent items have not yet been removed from my credit report. This continued presence of unauthorized charges is deeply concerning and detrimental to my financial well-being. 

I urge you to take immediate action to rectify this matter by promptly removing the fraudulent items from my credit file. These inaccuracies not only damage my credit history but also pose a significant risk to my financial stability and reputation. 

Furthermore, I request transparency regarding the progress of your investigation into these fraudulent entries and the measures being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX Balance Owed XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against Equifax for Non-Compliance in Removing Bankruptcy Information To Whom It May Concern, I, XXXX XXXX, am filing this complaint against Equifax for its repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in accurately reporting information on my credit report. This is my second formal attempt to resolve this matter, as Equifax continues to report a bankruptcy despite being provided with certified documentation proving that the U.S. Bankruptcy Court in XXXX does not share such information with third-party agencies. 

The details of this issue are as follows : Reference Number : XXXX, US BANKRUPTCY COURT-XXXX, Case Number XXXX. 
I sent certified proof from the court verifying that it does not disseminate bankruptcy information to credit reporting agencies. This documentation was sent via certified mail to Equifax and was confirmed as received. 
Despite receiving this evidence, Equifax has failed to take the appropriate corrective action to remove the inaccurate bankruptcy information from my credit report. 
This ongoing inaccuracy has caused unnecessary harm to my credit profile, leading to financial and personal consequences, including denials of credit and increased costs of borrowing. I refuse to let Equifax to continue to hinder me Additionally, XXXX failure to address this matter despite having clear evidence of the error shows a disregard for its obligations under the FCRA to maintain accurate and complete information on consumer credit reports. 

Given that this is my second attempt to resolve this matter, I am seeking the following : Immediate removal of the inaccurate bankruptcy information from my credit report.

Monetary relief to compensate for the damages I have incurred due to this negligence.

To support my complaint, I will attach the following documents : A copy of the court 's documentation proving they do not provide information to credit agencies.

Any additional evidence as required. 
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and hold Equifax accountable for its non-compliance. 

Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yes i also had problems with cadh app on fraud over dispute investagations and they screwed me out of several hundered dollars then closed my account when i.complsined
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account withe Conns in XX/XX/XXXX. I received an email welcoming to this insurance company. I realized Conns added renters insurance to my account. I reached out to Conns and they told me how to cancel my ins. and the warranty, which I did add but no longer wanted. I did exactly what they told me and I saw a credit for the warranty and no charges for ins. I thought it was done. I purchased another item in XX/XX/XXXX and realized that I was still being charged for the Ins. I called and requested to cancel and receive a refund of all ins. paid. I was told to show proof I carried ins. for the past 2 years and it would be refunded. I asked what the amount was and she said XXXX. I paid it off minus the XXXX. This was in the amount of XXXX. This amount came from the agent I was talking to. Fast forward, this was never done, after numerous calls I finally just paid the amount off on XX/XX/XXXX because it was really affecting my 100 % payments credit score. Now today it is still affecting my credit, Conns has {$70.00} still sitting on my credit with 116 days delinquent. I have called several times but they keep saying although I don't owe anything it's still under review. In the meantime my credit score is dropping and I'm in the process of buying a small company. I have disputed this transition and still nothing.