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

Im trying to remove my bankruptcy XXXX I never use it hurting me bad and I want to remove the inquirys on my credit ASAP .. someone use my information framing me.. please help.. I want to take off the security freeze on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I the federally protected consumer by Fair Credit Reporting ACT has my harmed by Transunion a Credit Reporting Agency who's is in violation of Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 ( a ) ( 4 ) .YOU CANT BE 90 DAYS LATE AFTER A ON TIME PAYMENT THE MONTH BEFORE THAT IS INNACCURATE AND VIOLATES MY CONSUMER RIGHTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, my wife and I sent a letter to Equifax requesting them to investigate certain accounts on our credit report. My wife has received her response. However, after 45 days and counting, I still have n't received mine. I am attaching a copy of the letter that we sent to Equifax.
Product: Payday loan, title loan, personal loan, or advance loan

In accordance with the fair credit reporting act. XXXX XXXX XXXX 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 A 2 : It also states a consumer report agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a loan account under an open and consumer credit plan as late for any reason.
Product: Student loan

Advantage claimed that total and permanent XXXX was approved and loans were discharged XX/XX/ ( letter I possess ) and would be reported to consumer reporting agencies XX/XX/. On XX/XX/ the loans were transferred to US department of education to be transferred later
Product: Checking or savings account

My Robinhood brokerage account was hacked on XX/XX/XXXX. Trades were placed causing my account to go negative, which resulted with my account receiving a margin call for the money taken from my account. I notified Robinhood on XX/XX/XXXX, XX/XX/XXXX, and XXXX. they have frozen my account so I cant resolve the margin call which will go on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please notify this Bureaus such as XXXX to remove this account from my Credit Report.
Product: Debt collection

I'm writing about a concerning collection entry from your agency on my credit file. This entry has come to my attention without prior notification, and I have serious doubts about the debt 's accuracy. Under the Fair Debt Collection Practices Act, I'm entitled to request debt validation. I ask that you provide this validation and address this issue appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting the XXXX partial account number XXXX. ( Please see page 18 of the attached credit report. ) This account was paid in full over ( 60 ) days ago and the balance should have been updated on my credit report. I have contacted the ( 3 ) bureaus to have these line items updated, however I have not been successful. This incorrect reporting is harming my credit score.
Product: Debt collection

On XX/XX/year> I received an email forwarded to me by my mother-in-law. It was an email from Resurgent Capital Services, a debt collector, trying to contact me regarding an account in collections. My name, debt amount, and other personal information were included in her email. I don't know how they got her email, I have never used it for anything or provided it to anyone for anything.
Product: Checking or savings account

On multiple occasions, I have been blocked from using my own card. The bank has stated that the card was suspended due to fraudulent transactions, despite these being my own transactions. Today, XX/XX/XXXX, my card was suspended without my knowledge. The bank is closed and I can not make any purchases or payments to my loans, rent, or other expenses. The dates these incidents have occurred are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. This has caused me lots of stress and anxiety and also affected my credit score because of late payments due to the bank being closed throughout the weekend and preventing me from making payments.
Product: Debt collection

I am filing a complaint for requesting unnecessary documentation to validate a debt.

Requesting : Original Creditor : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Debt Collector : Date Opened : [ XXXX  ] Date Closed : [ XXXX XXXX XXXX ] Date Account Sold : [ XXXX XXXX XXXX ] Date Charged-Off : [ XXXX  ] Date of First Delinquency : [ XXXX  ] Date of Last Payment : [ XXXX  ] Balance : [ XXXX XXXX ] Also requesting payment ledger ( statements, etc. ) and records of communication if applicable
Product: Debt collection

Company sent me a copy of my old personal info being scratched out and replaced by someone info and then sent me a collection bill. I have not done any business with this medical office for the last 5 years!
Product: Debt collection

Affirm credit showed up on my credit reports for 8 or more items that I was never contacted about in writing, which is a requirement of Massachusetts laws. When I tried to contact them, they would not give me any information and just told me to pay. Now the keep calling me and demanding payment after I told them to write to me the debt claimed and provided proof that it's mine. The have violated the Fair and accurate reporting act. the fair debt collection act, and numerous laws within the XXXXXXXX XXXX Massachusetts to include XXXX XXXXXXXX for Unfair Deceptive acts and practices.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I was never served nor received any information about debt. Correspondence was sent to and older address I havent lived in over 7 years. Now my employer advised that I am going to have my wage garnished.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has missed report my payment history. They are reporting me as 30 days late on XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I disputed, they realized I was correct and removed. Then they re-reported it. This has happened 3 times. I don't no if this a computer error or clerk error on their end. Its starting to effect my ability to borrower money. I have paid the account off and have a history of all my payments to show I have never been 30 days late. Please Help
Product: Credit reporting, credit repair services, or other personal consumer reports

( XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX Date opened XX/XX/2020 Balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ) are reporting on my personal credit file with ( XXXX/Experian ) credit reporting agency. This account, and addresses were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file.
Product: Checking or savings account

Lets begin with what person cleans their bank account out the way it happened to me in sudden rapid large sums and empty their own savings account in random chunks in a span of 3 days? If you investigated properly you would seek the sporadic behavior and compare to their other spending habits and see how I never spend all my money and always have a savings filled. 

My phone was stolen along with my personal information that is all uploaded into the XXXX and allows access to all my Bankss and private information ( save passwords ). Once I was able to get another phone, I downloaded my apps and noticed a significant amount of funds missing from my bank and being sent to XXXX XXXX  which I do not use. When I say significant I mean my savings were completely wiped out and I was left with nothing. I reported it to the police and reported it to my bank. My bank says that they wont cover it as it should since they are insured by the FDIC {$250000.00}. They are allowing my money to be stolen with no reason or proper investigation as a bank should with such a case ; especially when the police are involved. I need a proper investigation and cant take a {$4000.00} loss. If it was just $ XXXX Id let it slide but this is my only funds available. 

After reporting and had fraudulent activity they closed my account which I added the email screenshot of their response to not wanting to help me and cancelled my whole account to not have to deal with the serious circumstances at hand. I have also attached the screenshots of my bank account and the rapid monies being sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Account : XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$1200.00} Inquiries : XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute incorrect and outdated address information and My name currently listed on my credit report. The following addresses and name are being reported incorrectly and should be removed from my file as they are not associated with me : 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
Product: Vehicle loan or lease

I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX I am attaching the payment report that GM sent me showing the XX/XX/XXXX payment was made on XX/XX/XXXX which was only 18 days late. I have verified this with your call center staff. I have asked that this be corrected on my credit bureaus and it remains incorrect. 

Furthermore, on XX/XX/XXXX, I called and asked for a deferment. I made a payment of {$800.00} and was told that the deferment was good to extend the loan by two months and that I was now current and told that my next payment would be due XX/XX/XXXX. I paid some other things with the money I would have used for GM payments because I was told I had a deferment. I made a half payment for XX/XX/XXXX on XX/XX/XXXX in the amount of {$400.00} and another half payment in the amount of {$390.00} on XX/XX/XXXX which I believed to take care of the XX/XX/XXXX payment. I then paid what I thought was my XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}, and XX/XX/XXXX payment on XX/XX/XXXX in the amount of {$800.00}. 

When I looked at my credit report on XX/XX/XXXX, I was shocked to see late payments reporting from GM. I immediately called and complained and made a double payment in the amount of {$1600.00} on XX/XX/XXXX in order to bring the account current according to your records even though I believed it to already be current because of the previously offered deferment. 

I was promised a deferment on XX/XX/XXXX when I called and spoke with your staff. I was not given the deferment that I was promised causing serious damage to my credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report and to my amazement saw that XXXX XXXX have decided to report me 60 days late on this account in XX/XX/XXXX. I have previous credit reports from both agencies pulled in XXXX of XXXX, and neither one of these reports show me late in XX/XX/XXXX. Not only was I never late on this account, but according to the FCRA, as amended by the FACTA act, you are required to notify me of the insertion of negative listings. I never received such a notice. 

I talked to a supervisor ( XXXX XXXX direct line XXXX XXXX XXXX ), who was unable to find any evidence of my late payment on file. He promised to send me a payment history of my account. I never received such documentation. The results of my dispute and my have just come in, and both say verified. How is this possible? You werent able to provide me with anything. Reporting inaccurate information is also a violation of the FCRA. 

In addition, I have had the interest rate on my other credit cards raised due to your error which has caused me additional interest costs, plus I have spent lost work hours trying to straighten this out with the credit bureaus. The FCRA allows for damages of {$1000.00} per violation, and I consider this three violations, two for never notifying me and one for reporting inaccurately.
Product: Credit reporting or other personal consumer reports

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 I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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: Credit reporting or other personal consumer reports

I asked the Credit Bureaus to a proper verification of my credit report ; in reference to a dispute of some problems I was having with some creditors. They concluded that every thing was verified. Upon further research conducted by myself I found inaccuracies involving my credit report even they conducted their through research. This information can be found in all three credit Bureaus reports previously filed to your in my last CFPB complaint filed under XXXX XXXX, XXXX, XXXX. The dates, amounts owed and statue of terms of the debts are of question. also. 
. 
In accordance to the fair credit reporting act XXXX the above Bureaus/Creditors has violated my rights 15 U.S.C. 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section States 602 A Section 2 ; also states a consumer reporting agency can not furnish a account without written permission.
Product: Debt or credit management

This kick off account is making my credit worse. As they want me to keep paying into it and my credit is stagnant/ not getting better. Recently in a natural disaster I have had a hard time keeping the payments going and on time. So they have reported this on my credit. I was also behind a large amount and I paid it but it's still on my report as unpaid. When I told them about this they told me and I have received emails telling me to close my account. Witch is completely wrong to tell a customer. As they will end up keeping the payments I have made with a smile on their face as I lost that money and I have a closed account on my credit report dropping my credit even more. So of course they want me to close the account.. Not Cool.. and bad business practice taking advantage of the consumer. I was up to a XXXX that I was proud of them to drop down to a XXXX + or-
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 168b permissible purposes of consumer reports. 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. 


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 XXXXXXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Money transfer, virtual currency, or money service

XXXX am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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 procer 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 ( XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). 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: Mortgage

Mr. Cooper will not remove the PMI from the account even though it expired XX/XX/XXXX. They keep changing the date saying payments were missed, but that is incorrect. 

All payments have been received, but no from the Service Agent up to the Supervisor XXXX XXXX are willing to fix this issue.
Product: Mortgage

XXXX merged with PHH Mortgage Service who has changed my mortgage payments again and again. I have filed several complaints before when XXXX was servicing the mortgage. This is the 2nd time in less than a year that the escrow account has been changed even thou the taxes and insurance has not. According to a letter dated XX/XX/2019 ( PHH Mortgage Services started servicing on XX/XX/2019 ) that the escrow account is a projected to be {$140.00} and my account will be charged an additional {$12.00}. Initially it was an additional {$17.00}. Each time the payment drops, the company finds a reason to add additional money. If you check your account in XX/XX/2019, I got a projected shortage also. I'm requesting a complete investigation of their records to see how they're robbing customers by claiming shortage!!!!