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

Equifax was reporting inaccurate information on my credit report that has caused me significant harm to me and my character. This has held me back from getting financial gains. I had requested so many reinvestigations about a XXXX XXXX account that was being reported and sold without my consent. Now the XXXX XXXX  XXXX accounts are not viewed on my equifax report however Equifax has the fiduciary duty and obligation to notify all furnishers, XXXX, XXXX, XXXX, XXXX, of this inaccurate reporting and Equifax has failed to do so. All other furnishers are reporting inaccurate information on my consumer report and this too is causing me significant harm. EQUIFAX has failed to fulfill their obligation pursuant to the Fair Credit Reporting Act, for the banking system is depending on fair and accurate reporting of the consumer. Also Equifax failed to delete all inquires on my account and also failed to remove the fraud alert like instructed to do by the consumer. Demand removal of job information
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Misleading False Reporting these accounts are negligently and inaccurately reporting failing to comply with 15 USC 1681.THESE ARE THE COLLECTIONS ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been having constant problems wit h Nation Star  mortgage for the past year but most recently when their " dedicated loan  specialist  '',  XXXX   XXXX  put me on a repayment plan beginning in  XXXX  of  XXXX . This repayment plan was supposed to end in  XXXX  of  XXXX . The payments were scheduled for {$1600.00} each month. The first month of  XXXX   XXXX , I made a payment for more than the asked amount for {$2200.00}, then I fulfilled  XXXX  through  XXXX  for the asked amounts of {$1600.00}. The payments were all made on time and the repayment plan was fulfilled. I was told by  XXXX  on  XXXX   XXXX ,  XXXX  when I made the last payment that my credit report would show current for the month of  XXXX  and moving forward I would have scheduled payments of {$2100.00}. Now  XXXX   XXXX  is stating the repayment plan was set up incorrectly which is no reflection of me. This is  all Nation Stars fault and error. I find it hard to believe that after five months of payments that I fulfilled, they are no w finding an error! This should have been found on the very beginning. They are now stating I owe so much more money and they need to fix their error, whether the bank takes care of it or  XXXX   XXXX . The money should be payed through the bank because it is their major error. I want to be shown current a s Nation Star stated  and I want their monetary error fixed through them.
Product: Payday loan, title loan, or personal loan

I am currently receiving multiple calls per week at my job from Tower Loan. They have continuously called my school, as I am an XXXX, even though my account is current and NOT past due. I have contacted them multiple times and told them to not contact my workplace, especially if my account is current, but they have continued to call. This is due to a lack of organization on the part of the business. They have also mistakenly contacted me regarding other customers accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters regarding inaccurate and unknown things on my credit report. To this day over 60-90 days later I have not received a response yet. I feel like im being taken advantage of and being ignored by my disputes. I have sent proof that items are not being PROPERLY verified and still NOTHING! Section 611 ( a ), it plainly stated that a failure to investigate these item within 30 days gives a reason to immediately remove those items from my credit report. It has been well over 60 days so they should be deleted promptly. I demand these account be deleted immediately or I will file for litigation due to the stress and depressive state I have been put in because of this. My information was also impacted by the equifax breach and may have gotten into the hands of the wrong person. These people are being paid to report WRONG, NEGATIVE information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the author of this complaint and after checking my credit report I noticed a fraudulent and inaccurate account on my credit report. I am not familiar with this company but they are causing me damages and affecting my credit worthiness and reputation I have attached an identity theft report along with a copy of my driver 's license and social security card for verification Account : 1. XXXX XXXX XXXX ( Originally : XXXX XXXX XXXX  )
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$620.00}. 

XXXX XXXXXXXX XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX  - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$530.00}. 

XXXX Charge account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

Collection account from XXXX XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX XXXX XXXX 

Collection account from XXXX XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$9800.00}. 


-Please delete all of these account in my credit report cause it's reporting inaccurately and it's causing too much damage and it's giving me XXXX.
Product: Credit reporting or other personal consumer reports

The company has repeatedly violated my rights under the FCRA and will not respond to correspondence. 
According to the Internal Revenue Code ( IRC ) 6050P, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more. This means the debt has been legally forgiven and should no longer be reported as a charge-off.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I have the right to dispute any information on my credit report that I believe is inaccurate, incomplete, or unverifiable. As the debt has been canceled and a 1099-C form has been issued, the reporting of this charge-off is both inaccurate and misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just made a payment of {$350.00} to  XXXX  card the other day.     The amount has been recorded to my account as shown. However that new lower amount due is not showing on my credit report leaving me with a higher, older balance due, larger credit utilization and as such when I pull my FICO score, a lower score. Because I would like to move into another home and become pre-approved, as soon as possible, my chances of the best terms have been and are being impaired do to the latency of the automated system update cycle. I am requesting a forced manual update of my balance to the credit bureaus by validation method as per procedure in FCRA section 623.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. My name is XXXX XXXX, and XXXX believe that my personal information has been compromised, leading to unauthorized access and potential misuse. I request a thorough investigation into this matter and any necessary actions to rectify the discrepancies caused by this breach.Please find attached any documentation that supports my claim, including [ list any relevant documents, such as identification, proof of address, or any notices received ]. I would appreciate your prompt attention to this matter and a response at your earliest convenience.Thank you for your assistance.Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I became aware of a fraud account under my name with Cashapp when I tried to sponsor my daughter 's cashapp account, because the app gave me an error message that I reached my sponsor limit. Yet, I have not ever sponsored any account through Cashapp. 
Yesterday, XXXX XXXX, XXXX, I was repeatedly being hung up on when asking for a XXXX or asking for help understanding why this error was stating I reached my limit across all cashapp accounts, but I have not ever sponsored any cashapp account. Cashapp kept refusing to explain & would hang up on me. Also, yesterday, through emails, Cashapp continued to refuse to help or investigate my issue. 
I finally got through to a XXXX named XXXX, after a couple of hours of being hung up on. While on the phone with the XXXX XXXX, he told to me that there is another account, in my name, that was sponsoring XXXX other accounts. This was an old account that I had not been able to access since around XX/XX/XXXX, therefore all the activity in that account since XX/XX/XXXX is fraud & identity theft. After being told about the activity on this old account, I have repeatedly tried to report the fraud & identity theft regarding this old account, that I had only gained access to with XXXX XXXX 's help when he transferred my phone number to that old account for me. Once I gained access to that old account, on XXXX XXXX, XXXX, I closed that account, because the Cashapp XXXX told me to delete that old account & then I would be able to sponsor my daughter 's account. 
I have been trying to resolve the issue with Cashapp on their chat service through the app, through emails, & over the phone, but Cashapp has kept refusing to help me resolve the issue, has refused to take my complaint or investigate my issue. Cashapp has hang up on me nearly every time I asked for a XXXX or tried to report the fraud account. In emails, Cashapp has downright refused to offer any help & wouldn't investigate my issue or file a complaint. 
Now, today, XX/XX/XXXX, I'm still getting the error message that I've reached my sponsor limit, I reached out to Cashapp again & again about the issue through phone calls & emails. Again I was hung up on mulitple times & had an extremely hard time trying to reach a XXXX, & Cashapp continued to not listen to me or offer any help with my issue.
Product: Credit reporting or other personal consumer reports

Recently I found some account and inquiries which I neverautorize. For sure all of them are froud and must be remove frommy credit report as soon as you can. Please investigate andremove these accounts from my credit report or I will have torefer the matter to my attorney and take immediate legal actionagainst you. The constant judgments awarded against youcertainly demonstrate that courts are will not tolerate yourbullying tactics.I have made a lawful request of you to verify areport about me in my credit files. CC : Federal TradeCommission, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXOffice of the Attorney General, State of Florida XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Advocates for FairCredit Reporting Department of Banking and Finance
Product: Mortgage

This concerns Bank of America and my active mortgage there. I have had trouble paying over the past several years. Due to the bankruptcy I filed in 2009, they are not able to give me pertinent information about my loan unless I specifically define what I am asking. In addition, every time I speak to a CSR, I am given the run-around - from additional numbers, to spouting rules that they can not provide a copy of. This has happened numerous times over the last several years, and more recently in the last 6 weeks. My loan is currently in foreclosure, with {$2200.00} dollars in attorney fees ( when the attorneys have only sent me a letter, and filed for a title search ( which is not even necessary in the state of GA ). When I question the fees, I am told I must pay them to reinstate the loan. Since I can not afford to lose my home, I am between a rock and a hard place. 
When I ask who I need to speak with about the fees, I am referred to a supervisor and no one above that supervisor. When I complain, I get a phone call back from the complaint department which turns out to be a " I hear you, and I am sorry '' conversation. 
Different CSRs have given conflicting information, and yet, whomever I am talking to at the moment can only reiterate what is in front of them - which does n't help at all. Bank of America has been a thorn in my side since they purchased this loan from Countrywide. I have had payments returned. I have had payments accepted over the phone for a later date, then the payment not processed, because the loan went into foreclosure before the payment date. I have never seen a banking system more designed for the consumer to fail in my life. The level of customer service is deplorable at best.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX which I disconnected since I was moving to another state. When I called to disconnect I gave them my new address in case they needed to send me any disconnect confirmation and they were supposed to update this in their system along with my new number. Now 2 years later I pulled my credit and I noticed XXXX sent me to collections without giving me the proper notice and time to pay this bill prior to being sent to collections which is against FCRA laws. I have contacted both the collection agency and XXXX Customer Service as well as their Corporate Escalations Dept to advise them I did not receive notice to pay this and now that I am aware of the bill owed I have no problem paying it as long as it is deleted from my credit once its paid. 
If my account had been properly updated I would have received this bill and paid it right away like I do with all my other accounts. I have excellent payment history and this collection is greatly affecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I originally reached out to the creditor to have them correct the inaccurate information and they advised I NEEDED to file a complaint with each credit bureau. Last year I filed a complaint with each of the respective credit bureau ( XXXX, XXXX XXXX and Equifax ) in XX/XX/XXXX to notify them, they were reporting inaccurate information on one of my credit accounts. I sent each credit bureau a signed and notarized document stating the inaccuracies via certified mail with tracking number XXXX. I received confirmation that each credit bureau received each dispute packet on XX/XX/XXXX. I know my rights as a consumer and after thoroughly reading the 108 pages of the Fair Credit Reporting Act, I know each credit bureau has 30 days to investigate and correct the disputed information and/or notify me with the results of their investigations within 5 days of completion. However, when I went to look at my credit reports today ( XX/XX/XXXX ) with my credit monitoring account through XXXX XXXX, there are no changes with the disputed account and the inaccuracy within it. I never received any results of the investigations with ANY of the three credit bureaus. I am filing a complaint with the Consumer Financial Protection Bureau to help me with this ongoing issue.
Product: Credit reporting or other personal consumer reports

I have opted out of all authorization from XXXX XXXX XXXX and filed filed a complaint with CFPB. Letter and complaint attached. 

The Law say a Charge off is a certificate of indebtedness and is considered income and income can not be reported on a consumer report. 

Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Debt collection

To Whom It Concerns, In XXXX of XXXX, I received a letter from XXXX XXXX XXXX, PA, located XXXX XXXX. XXXX, FL XXXX attempting to collect a private student loan debt. The last payment on that debt happened on XX/XX/XXXX. It's been in default, which I'm not proud of, and I've never been sued on it prior, nor have I made any payment or payment arrangements since the last payment in XXXX. I made this very clear to the law firm, XXXX XXXX XXXX, PA, who is representing XXXX XXXX XXXX XXXX. They claim the statute has not expired and then proceeded to file a complaint on XX/XX/XXXX, in XXXX XXXX XXXX XXXX XXXX. I have since been served, on XX/XX/XXXX. In the lawsuit, they provided, as the first exhibit, the original promissory note I signed back in XXXX ; however, the lawsuit is for much less than the ending balance of what was due when payments stopped. In the lawsuit, which is obviously time barred, they didn't provide a payment history ( which I actually have ), they didn't provide any proof that the plaintiff owns the debt, and they made false statements. They are clearly filing illegal lawsuits and taking advantage of people, and they will, no doubt, win default judgments from the many folks who don't know the law and/or ignore the lawsuits. Furthermore, I believe they are in collusion, with the many defense attorneys, who keep on soliciting me for their services against the lawsuit. The defense attorneys I spoke to, through consultation, have advised me to settle, rather than fight and/or motion for dismissal, on a debt that is clearly time barred and weak, even if it wasn't time barred. These people are breaking the law and this needs to be corrected before too many people suffer unjustly. 

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

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not marking a payment I made on my credit report. Rather than mark my payment current it marked as ND which dropped my credit report XXXX points. I had extended my loan and was told that it would not affect my credit and even paid my car off before the extension was over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter to simply delete the following information in my credit file. The items I need deleted are attached. I am a victim of identity theft and did not make those charges. I ask that the items be deleted to correct my credit report.
Product: Credit reporting

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR TEXAS TRUST FORMERLY KA : XXXX XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MYSELF ( BRUCE NAYLOR, JR ) AND TRANSUNION FOR MY WIFE ( XXXX XXXX. WE HAVE REPEATEDLY CONTACTED TEXAS XXXX XXXX AT THE XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY.
Product: Credit card

I received a collection letter from XXXX in XXXX 2016 about a Bank of America account. This was my first time hearing of this so I asked them to verify the account. The information sent to me did not verify the account as there was activity on my account in years in which I was not in the US and I did not authorize any accounts. I did not hear back from them again and called them back this week. I was advised that the account was sent back to Bank of America as they were not able to verify the account. I followed up with Bank of America and the agent was not able to confirm this account and provided a different account. However, Bank of America continues to report this on my credit report in violation of credit reporting laws despite multiple attempts. I am requesting that they remove this reporting whilst they investigate this and advise me immediately of their findings.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative accounts were furnished without my consent and in turn took my credit score down which is vital for me
Product: Mortgage

Follow up to complaint # XXXX - Dated XXXX/XXXX/XXXX and complaint # XXXX - Dated XXXX/XXXX/XXXX This is an on going case since XXXX I paid off my entire mortgage loan balance with chase as of date today - Chase still did not issue the lien release of my mortgage. As of result of this, I have not been able to sell my house. 
I have legal Representation who is acting on my behalf. 
His Contact information is as follows : Law Office of XXXX XXXX XXXX, NY XXXX XXXX
Product: Credit reporting or other personal consumer reports

I believe I am a victim of a data breach, security freeze malfunction, credit mismatch or inaccurate information. There have been multiple disputes sent to the credit furnisher asking for correction to my credit report. I do not recognize these accounts. Please get these Items Deleted off my Credit Report ASAP! 

Here is the information to be removed from XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from Transunion ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX Here is the information to be removed from XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBER : XXXX