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

Iv been Trying to fix my Credit report for 6 years with little to no results. According to the 15 U.S.C 1681 Law there should be no damages on my report, its a defamation to my Character. On XX/XX/XXXX threw XX/XX/XXXX. I opened a dispute on XXXX Report number XXXX and nothing was done. The results were done on XX/XX/XXXX. I'm also a victim of identity theft according to XXXX XXXX XX/XX/XXXX. They offered no Remedy for that reporting. I'm also a victim of XXXX Data breach and was offered no Remedy. I'm trying to get a simple loan and continuously get denied. Out of all disputes not once was I giving proof of me doing business or signing a contract with these company 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

A request for information was requested to Fay Servicing pursuant 12 CFR 1024.36 via various letters to provide me with the following information : Copy of the signed Attorney Affirmation and Affidavit that was filed five business days before the scheduled auction date of XX/XX/year>, at XXXX XXXX, Copy of the signed Affidavit of Publication and signed Affidavit of Posting Notice of Sale for the foreclosure sale date of XX/XX/year>, at XXXX XXXX, Copy of the valid Notice of Pendency that was used and filed 20 days before for the foreclosure sale date of XX/XX/year>, at XXXX XXXX, Copy of the required allonge or indorsement that accompanies the enclosed assignment or mortgage pursuant to XXXX XXXX. Law XXXX ( XXXX ) and XXXX XXXX XXXX Law XXXX ( XXXX ), ( XXXX ) and ( XXXX ) and XXXX XXXX XXXX Law XXXX XXXX ( XXXX ) ( XXXX ), Copy of all required notices pursuant to XXXX XXXX [ XXXX ] and [ XXXX ], Copy of all required submitted documents showing compliance with the XXXX XXXX XXXX and to know the date and year the mortgage debt was accelerated.
Product: Checking or savings account

I filed a complaint with NFCU They dont take it seriously. 
Somebody called me for 3 days and did not leave a message On the fourth day somebody named XXXX called and said she wanted to explain how I am using my card wrong. 
They dont take it seriously. I am going to contact the FTC and hire a management company to prove my issues. 
I want a 3rd party intervention. I do not want " XXXX '' to call me to tell me how I'm using my card wrong. 
How dare they make a joke out of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX the original creditor on XX/XX/2023 and was informed that the account was in good standings as of that date, however the Collection company ( Credit Collection Services ) report the account on XX/XX/XXXX as a paid settlement. when it wasn't supposed to report to my credit report per the agreement with the original creditor nor any collection. Basically the collection was never involved according to my understanding. Therefore reporting a paid settlement should not be on my credit report. I spoke with an actual XXXX employee XXXX on XX/XX/2023 and she said nothing should be reporting on the credit report since payment was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? 

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

1. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. The following account was a Charge-off. Balance should be XXXX. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3.The Following Account Was A Charge-Of. Balance should be XXXX. 
XXXX Account Number : XXXX The Following Account Was A Charge-Of... 

* Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Prepaid card

I bought a XXXX XXXX card for XXXX dollars, went to redeem the code, it says the card is good and active, but when I press enter to redeem it says error need more info fill out this form which wants pictures of card and receipt, which I have sent twice. And now they have stopped communicating with me after saying they would get back to me within 72 hours, it's been weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Original Creditor : 06 PROGRESSIVE ), has violated my rights. 

XXXX5 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 consent and instructions.

15 U.S.C 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been communicating with XXXX, XXXX, and Experian about my XXXX XXXX XXXX XXXX XXXX loan that was opened on XX/XX/2021. I have never been late on this account ever. I changed my due date and it was reported inaccurately. This has been devastating and detrimental to my life and to my credit. 

Also I filed a FTC report because there were also items on there that were not my own and I did not authorize and I've communicated that with the bureaus as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account type, account status, date filed/reported, reference number, closing date, asset amount, court, liability, and exempt amount. They appear to be incorrect. 

I also have a bankruptcy on my credit report that needs to be verified completely and accurately.
Product: Credit reporting or other personal consumer reports

THERE IS A UNAUTHORIZED FRAUDULENT INQUIRY ON MY CREDIT FILE THAT HAPPENED ON XX/XX/year>. REMOVE FRAUDULENT INQUIRY FROM CREDIT FILE.
Product: Credit card or prepaid card

Every month for the past 6 months ( XX/XX/XXXX-XX/XX/XXXX ), Ive had nothing but problems trying to access Synchrony Bank through my Amazon and PayPal accounts. You can not even reach them online. Ive had to go through all the hassle of contacting them by telephone, with extremely long wait times and multiple hang ups, with the comment by Customer Service they are having technical difficulties. Six ( 6 ) months + is more than enough time for them to get their act together.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I sent XXXX XXXX a letter requesting to validate the debt showing on my credit report. They never responded. I then sent a follow up letter on XX/XX/XXXX. Again I never received a response from XXXX. 

I attempted to dispute the debt on all three credit bureaus but they stated the debt was confirmed by them and would not be deleted.
Product: Debt collection

Midland sent threatening letters to me regarding taking me to court and called multiple times a day repeatedly I had to block their numbers I asked for all proof required by the FDCPA they failed to supply that information and continue to call me from multiple numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022. {$660.00} In accordance with the Fair Credit Reporting Act 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 an account without my written instructions.
Product: Student loan

XXXX 2016 : I logged on to Navient to make a payment and found my account put into forbearance without my permission or notification. When I called customer service to sort out this issue I was told by a representative that they had received notification from a 3rd party that my father, the loans cosigner, had died. Needless to say this caused me distress and to spend the next few hours calling my family and tracking down my father to confirm that this was not true. When I called Navient back, I informed them that the information they received was false. I then inquired about the 3rd party that sent notice and I was told that that information was not available. I then asked them to correct the issue and put my account back to its previous state so that I could get caught up on payments. After 40 minutes waiting I was told that it would take 72 hours. I informed the agent that I would not make a payment until my account was corrected. It is now over 3 weeks later and the account is still in forbearance and showing inaccurate information and I refuse to deal with their incompetent customer service again. The account is probably accruing interest and I 'm sure late fees as well, but I ca n't get that information from their website. I am suspicious as well about this " 3rd party '' that told them my father passed. Since they will not tell me anything about them I have to assume that they, Navient, are behind this because they are the only ones gaining from my account being in forbearance ( accruing interest ). So I have turned to the only place that might be able to help me out.
Product: Credit reporting or other personal consumer reports

My consumer report contains accounts linked to identity theft, which I never authorized with a written signature. Following my recent communication with your organization, I formally request the immediate blocking and removal of these accounts from my report. Their presence has caused significant distress and inaccurately represents my credit history. If not addressed properly, I'm prepared to take legal action. These fraudulent entries have impeded important financial goals, including home purchase and family needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 my home flooded from a rain storm. I reported it to my home owners insurance and could get help because it was not covered. I contacted Vitek Morgage Group, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. and ask them for some assistance and was not given any until I contacted several federal agencies. Then they offers me a program that allows your mortgage to be dismissed for a few months, but I still had know where to live of fix my water damage. Finally they offer me a deed in lieu which I had no choice, then I ask them will it hurt my credit score and they said it will possibly show own my credit report, but they all so said the payment would stop once the process began. But they did not stand behind their word and put a late payment own my credit report that has keep me from getting another loan from any mortgage company and buying thing to help me in my life. I am a XXXX veteran and have seriously medical issues.
Product: Checking or savings account

I recieves a text from a USPS stating my package was delayed and to update address. After updating they said it needed a XXXX ( XXXX XXXX  ) rerouting fee. I paid the fee and was never sent a receipt and later checked my checking account and saw {$500.00} and {$750.00} charge from the company. I failed it with my bank, froze my anccount, got a new card and they still have denied the claim. I have recovered the text message and the site was taken down due to scam reportings. USPS had also put a notice on their official website of this new scam that I had not seen until I was a victim.
Product: Consumer Loan

After a change in life circumstances and income, I decided I no longer needed a vehicle. VW employees guided me towards surrendering the vehicle, saying it was the easiest way to go about wrapping up the account. I was not aware at the time that it would appear on my credit as a negative account. After surrendering it to VW, I was sent a bill for around {$6900.00} ( the exact amount I do not have available ). I requested details of the work done to the vehicle as well as the sold price, as the remaining balance seemed quite high. This process went on for some time. Each conversation with the representative became more insulting to the point of him telling me that " I need to re-assess my choices in life if I 'm working so much and can not afford to make payments ''. After that interaction I requested to speak to a supervisor. He informed me that I was refusing to communicate with him and that he would mark my account as delinquent. From there it was transferred to one or more other collection agencies. From each of them I have requested the full details of the account and have still yet to receive it and its been several years.
Product: Student loan

Navient withdrew my usual automatic monthly payment amount of {$260.00} from my checking account on XX/XX/XXXX, but then again ( unauthorized ) on the following day, XX/XX/XXXX. I noticed on XX/XX/XXXX that my bank account was deeply in the negative, and am now accruing multiple fees from my bank, and my credit score is being ruined because of automatic payments i have set up with other bills. Their customer service representatives were able to issue a refund but said it could take until XX/XX/XXXX, which I can not wait for without facing some very dire financial situations.
Product: Debt collection

I was having a collection account with FAIR COLLECTIONS & OUTSOURCING which I was not aware of, they never tried to reached me or call to settled.     I paid them and they assured to removed the account from my credit report which they 've never done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of accounts that do not belong to me or were opened without my permission. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$380.00} XXXX XXXX XXXX XXXX IN ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have contacted each credit breau to validate this debt, also to verify if the debt actually belongs to me, I have yet to recieve any thing stating how this debt belongs to me, I have also notice that each month the debt increases by a XXXX and also I have checked to see if the are license and bonded to collect in my current state and they are not. I would like this account to be removed from my credit file, they can't give me the original documents proving that I am responsible for this debt.
Product: Debt collection

This company is calling me for my mother  to demand I give them info on credit card debt that is not mine : they refused to disclose who they were until I pressured them to tell me why they are calling my unlisted personal cell phone. They stated this is not my debt yet still contacted me. This is harassment and they are disclosing credit information about someone else to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

A settlement check was mailed to my former address in XXXX by the company handling the Equifax Refund in XX/XX/XXXX. However, I have moved out of that house ( my sisters ) on XX/XX/XXXX and no one has been living there consistently since then. When my sister visited the place a couple weeks ago and found the letter with the Equifax settlement, she sent it to me. 
I opened the letter and saw that the check was no longer valid since it was written in XXXX. I called the number listed on the check on XX/XX/XXXX to request that a replacement check be sent to my new address. I was told that that is no longer possible since the were not authorized to reissue any checks as of XX/XX/XXXX ( less than 5 months after the checks were mailed!! ). 

I think that is unfair. I realize that its not a million dollar check but how many people like me had their settlement checks mailed to the wrong address and now " someone's '' bank account is a little fatter because of this " oversight ''?
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is still showing student loans that shouldve been removed years ago due too accounts statue of limitations
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I recently checked my credit reports an noticed several credit inquiries that I did not authorize made by the following companies : Fraudulent Inquiries XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX This institution said I need to contact these companies and they all said I have to contact the credit reporting agency. So both are blaming the other. 

These inquiries are in violation of 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). I have submitted an identity theft report to the FTC and have attached it below along with my identification info.
Product: Credit reporting or other personal consumer reports

, I am writing to dispute incorrect payment history entries appearing on my credit report. According to the information provided by [ Credit Bureau Name ], there are inaccuracies in the payment history for the following accounts : Account Numbers : XXXX XXXX XXXX incorrect payment history entries are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUpon reviewing the provided payment history, I have identified discrepancies that need to be addressed : The payment history entries indicate a pattern of consistent payments being made. However, there are discrepancies in the reporting periods and amounts, leading to inaccuracies in the overall payment history. [ Include any additional discrepancies or inaccuracies you have identified in the payment history entries. ] I request a thorough investigation into these inaccuracies to verify the correctness of the payment history entries. If the entries are found to be incorrect, misleading, or unverifiable, I demand that they be promptly corrected or removed from my credit report.Please provide me with a written explanation of the results of your investigation and any actions taken within 30 days of receipt of this dispute letter, as required by law.Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : DPT ED/XXXX  Account Number : XXXX
Product: Mortgage

About a year ago our payments to the house were XXXX. and then they went up to over 1500.00 and then XXXX Now they are saying we don't have enough in our escrow account. But our mortgage statement states they charge us XXXX monthly for our escrow account, so in reality, that amount times 12 months is like XXXX, so why is there not enough money? To date I am short they say at XXXX. We initially thought that the insurance was the one overcharging but after we switched over to another company just 2 months ago, our escrow account remains the same. Now we did save some money by about 500.00 monthly on the new insurance but the escrow acct. remained the same. Now I don't want to lose my home,
Product: Student loan

Navient keeps calling at XXXX and Ive told thrm not to do this in the past. They call about every two hours in the middle of my work and at home.
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: Prepaid card

I have a prepaid rush card. My direct deposit was deposited today and I went to pay for something with my card and the funds were not available. I had used the card previously and everything was fine. I repeatedly called customer service but I kept getting disconnected. I went online and noticed there was an unauthorized transaction in the amount of XXXX from XXXX XXXX XXXX Bank. I have no idea where this transaction came from. I did NOT authorize it. I was unable to pay my bill due to this issue and I am asking for immediate reimbursement.
Product: Credit reporting or other personal consumer reports

Recently I locked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me, to ensure accuracy, Here is the item I am asking you to verify as accurate XXXX account XXXX  account number XXXX