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

When I sent a copy of the FTC report, it took some time to learn that the credit bureaus are not obstructing records. Since it is required by FCRA regulation 605b, I'm sending my complaint to help with organizing a legal response. If you choose not to stop the other items listed below that are responding falsely as a result of fraud. The following items need to be deleted from my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was exposed in a Data breach I also was part of two different class action concerning my Information My last class action was in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A couple of months ago I reviewed my credit report and noticed an unknown negative account from Bank of America. I have disputed this account in the past but now I am being sued over it. In my previous dispute I requested that I be sent more information on the alleged account such as the application and contract but the only thing I received was what looked like a monthly statement with my name on it. I have been a victim of Identity Theft/Fraud/Impersonation in the past and have on file a police report, an identity theft report with the FTC, IRS and the Social Security Administration. Again I am asking Bank of America to send me the application that was made in my name and the contract with signature on it. Bank of America also needs to remove this account from my credit report and stop any/all collection activity immediately!
Product: Checking or savings account

XXXX Bank of America closed my accounts, and send check not honored, it ILLEGAL to refused to honor my cashier check I request the full value + the fees charge for XXXX honored check XXXX $ attached is the check Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is XXXX XXXX true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

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: Debt collection

This debt collector has called me stating I owe money from an incident in XXXX XXXX. The debt collector called me in XXXX XXXX about this. My concern is statute of limitations.
Product: Debt collection

Good morning Everyone, On XX/XX/XXXX, I found out a debt collection for the amount of {$1400.00} on my credit report for which I have no clue. The name of the company is Common wealth Financial, the original creditor is XXXX XX/XX/XXXX and it was opened on XX/XX/XXXX. In the next day, I called the company, I provided my full name and my date of birth for the verification. The lady on the phone told me that they are were going to put it on a dispute file so they could remove it later. I wish the did that before taking any other legal action. For your information, I remember I disputed the original creditor twice in the past, but they keep putting negative item on my credit. Please help me with this matter because it hurts my credit so bad. 
Thanks in advance. 
Respectfully, XXXX XXXX DOB XX/XX/XXXX
Product: Mortgage

Our home was severely damaged due to Hurricane Harvey. We had up to two feet of water flood into our home. We did not have Flood Insurance as it was not required at our address. FEMA graciously gave us a great sum of money to repair, but it is no where near what we need. Therefore, we have applied for and received a loan from the XXXX to rebuild. However, to continue the line of credit with the XXXX, we are required to get a " Prior Lienholder Agreement '' filled out, signed and returned by our mortgage company. We contacted our mortgage company, Carrington Mortgage Services , LLC, to find out how to send the form. We were given a fax number but no other means of contact. On XXXX XXXX, XXXX, I sent my first fax, requesting the form be filled out and faxed to the XXXX etc. I also requested that I be contacted when the form was received, so I could ensure it was being taken care of. I also let them know that if I received no confirmation, that I would continue to fax the form daily. I was able to verify that the form was sent to a different department within Carrington Mortgage Services , LLC, but again, there was no way for me to speak directly to this department to verify handling. I continued to fax the same letter every 24 hours ( during business days ). After 11 business days, on XXXX XXXX, XXXX, I redrafted my cover letter to again ask for the form to be filled out, contact to verify expedience, and to let them know that after 15 business days I would pursue filing official complaints. On XXXX XXXX, XXXX, I sent my last attempt, a full 16 business days after initial contact. 
Again, I redrafted the cover letter to make sure they were aware of my intentions. As of today, XXXX XXXX, I have not received any contact from Carrington Mortgage Services , LLC, that they have received or are handling the request. I have also verified with the XXXX that they have not received the form. 
It is in Carrington 's best interest to return the form to the XXXX immediately, as it allows us to make necessary repairs to the property. I have attached the three different faxes I have sent to Carrington, and I have copies of all Facsimile Transmittal Receipts if proof is required.
Product: Credit reporting or other personal consumer reports

On ( XX/XX/year> ), I requested disclosure of your method of verification for the reported bankruptcy. Your response claimed that the bankruptcy was verified by ( XXXX XXXX XXXX XXXX However, I directly contacted ( XXXX XXXX XXXX XXXXXXXX ) and they have denied verifying this item with you. Consequently, this bankruptcy is legally considered UNVERIFIED. I know of the FCRA stipulation : " A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days ( about XXXX and a half weeks ) after you dispute it. '' However, the CRA is not required to remove accurate data from your file unless it is outdated ( as described below ) or can not be verified. '' Attached is their letter for your review. I demand the immediate deletion of this unverified item from my credit reports. The OCR and E OSCAR verification of this information is not acknowledged as proper validation. Please furnish me with an updated copy of my report once the bankruptcy is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I have complained about the erroneous items which linger in my file and several times it is ignored. I want you to remove the items which are erroneous and not mine it is not permissible that my complaint is being ignored. 

Kindly remove the following items ASAP : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/2021 XXXX XXXX Balance : {$3900.00} XXXX OF XXXX XXXX XXXX : {$8100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXXXXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX, XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXXXXXX 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 604 A section 2 : it also states a consumer reporting agency can not furnish a acount without my written 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 a late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly an account where I am shown as an Authorized User on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 Customer 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 Fraud 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, credit repair services, or other personal consumer reports

I,  XXXX   XXXX , of  XXXX   XXXX   XXXX ,  XXXX ,  XXXX   XXXX , purchased a vehicle in  XXXX   XXXX  and santander consumer financed it. I got behind in  XXXX   XXXX ,  XXXX   XXXX , and  XXXX   XXXX . We did an extension and put those payments on the back of the loan. We agreed to remove the late payments for those months since they had been added to the remainder of the loan. All of the other late payments, there was no such agreement, therefore, they are not included, nor am i disputing. I simply want them to do what they agreed to. I have called several times and have been told, they were unable to assist me. I have written numerous letters with no response. Please advise.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX XXXX XXXX Balance : {$530.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$93.00} XXXX XXXXXXXX Balance : {$540.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$530.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$230.00} XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$540.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXX  XXXX Balance : {$530.00} XXXX  XXXX Balance : {$540.00} XXXX  XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$240.00} XXXX XXXX  XXXX Balance : {$550.00} XXXX XXXX Balance : {$93.00} XXXX XXXX XXXXXXXX Balance : {$490.00} XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2200.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$530.00} PXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$230.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I submitted disputes for AMERICAN EXPRESS Account number XXXX, along with copies of court orders completely nullifying this debt, a full satisfaction, release of liability fully releasing me of obligation, and exonerating. Yet despite this debt being completely nullified per court order, it is still being reported negatively, and American Express and XXXX are in violation of said court order. 
Please see copies of previously provided notices and documents.
Product: Student loan

Earnest - the student loan refinancing company - is refusing to stop sending me mail offering their services. They are IGNORING my opt out notice which I have put in place three separate times. I have contacted the company to tell them this several times. They ignore my requests mostly and respond rudely when they choose to answer. They continue to harass me with mailers at my home address. 

XXXX CEO : XXXX XXXX
Product: Payday loan, title loan, or personal loan

CFPB Write up n 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian had refused to removed a fraudulent loan on my account from XXXX XXXX Account has been on credit since XXXX and have disputed with the company and Experian multiple times. Certified letters containing police reports, disputes issued online containing police reports and verified information showing identity theft has been given to Experian yet it still remains. Both the other credit bureaus removed them in XXXX. XXXX XXXX XXXX claims to have documentation showing I signed a loan, there is no signature, ID they have is from a state I dont live in, with incorrect addresses and name.
Product: Credit reporting or other personal consumer reports

I have hard inquiries on my report that I do not regconize! The only XXXX i regconize is the XXXX from XXXX and thats where I purchased my vehicle from, the rest were not authorized by me.
Product: Consumer Loan

I opened an installment loan with Wells Fargo around XX/XX/XXXX for {$20000.00} which has an interest rate of 7.24 per annum. They believe that the per diem rate is {$3.00}, according to my statement dated XX/XX/XXXX. 
After receiving several months of activity I noticed that the payments of interest on the loan were increasing rather than going down so I went to the bank and my personal representative contacted the loan dept and after a couple of hours, the verdict was that their figures were correct due to the times that the interest was paid with different periods of time between the dates ... 
I allowed a couple of weeks for them to contact me to allow them to make any corrections to my account which was not done. 
I then went to a different branch of the bank and complained again of, what I feel is a terrible error in the way their computers are programmed, which is bilking thousands of dollars from their customers. 
Again, they explained to the gentleman with whom I spoke that there, was in fact, no error ... however, my XX/XX/XXXX payment dropped from {$92.00} from {$130.00} for the interest due XX/XX/XXXX. No other changes have been made, so far to my account for the " overcharges ''
Product: Credit reporting

I do n't know why these are on my credit score. 
These are n't my debts
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights : XXXX. XXXX XXXX XXXX {$2100.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$1200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$2600.00} XXXX inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX added to account were incorrect 5. XXXX XXXX XXXX {$1600.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX {$880.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX {$1000.00} - inaccurate status, remarks and payment history XXXX XXXX XXXX XXXX XXXX XXXX {$2200.00} - inaccurate status, remarks, and payment history XXXX. XXXX - {$2800.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX {$1800.00} - inaccurate status, remarks and payment history XXXX. XXXX Department XXXX- {$3200.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX XXXX inaccurate pay status and payment history XXXX. XXXX XXXX- {$7400.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX- {$9300.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX- {$4700.00} - inaccurate status, remarks and payment history XXXX. XXXX XXXX XXXX inaccurate remarks and payment history XXXX. XXXX XXXX - {$2400.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX XXXX {$2700.00} and {$1000.00} - inaccurate pay status, remarks and payment history XXXX. XXXX XXXX XXXX XXXX credit card- {$9700.00} - inaccurate balance and credit limit and payment history 20. XXXX XXXX XXXX XXXX XXXX {$660.00} - inaccurate status and payment history XXXX. XXXX XXXX XXXX XXXX XXXX inaccurate remarks and payment history 15 USC 1681 Section 602 states I have the right to privacy. 

15 USC 1681, Section 604-A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 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: Debt collection

I XXXX do not owe this company any money. I dont have a signed contract with this company. I understand this company is a debt buyer of debt. But I do not owe them money. If we go to court I would win as judge would see I dont have a contract with this company. I request this company to delete all negative information off my credit report per fcra laws. If not Ill have to file suit in court.
Product: Mortgage

We continue to get early morning phone calls from  Ocwen Loan Servicing .  Today (  Saturday,  XXXX   XXXX   )  Ocwen called my home at  XXXX  and woke the entire family. Before I could get to the phone,  Ocwen hung up and did n't leave a message. I have repeatedly told Ocwen re presentatives to never call my home early in the morning - especially during weekends.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, the credit bureau TRANSUNION stated these accounts ( XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX ) were updated and verified since my complaint opposing in XXXX, but after pulling my XXXX Credit Report on that day I still noticed multiple of the same fallacies on the reports. Open dates, high balances, last activity dates, last payments, and reported dates are all still incorrect. This is grounds for removal per violation of my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states consumer reporting agency can not furnish an account with inaccurate information and I have not given the permission to furnish these accounts.
Product: Credit reporting or other personal consumer reports

disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports. 

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I authorized XXXX to pay {$210.00} to Goldman Sachs for my Apple card. On XX/XX/year>, I authorized XXXX to pay {$92.00}. Goldman Sachs claims they never received the payment. I requested proof from my bank and I sent that proof to Goldman Sachs. I sent a copy of the check ( front and back ) that they cashed. They received the check for {$92.00} but have not cashed it. I preferred to not send another payment until they admitted they had cashed the first check. I've filed several grievances/disputes with them to no avail. They continue to say they never received the payment. I've spoken to many agents since and now they say that if I don't pay them they'll charge off my account which I don't want. 
Thank you