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

XXXX - XXXX I was Never late in the year 2021. This account has always been deferred/suspended. This is an error. XXXX also told me the only way to correct this error is to file a dispute with the credit bureaus and they would not respond and the matter should be corrected. I have been XXXX for several years and XXXX is aware of it. XXXX told me to complete their XXXX worksheet and I would not owe since I am XXXX and cant work. I have never once paid a dime to XXXX but all of a sudden I am 120 days late. The credit bureaus keep changing late days without any notice from XXXX informing them to do so. You have FAILED to provide me any proof Ive asked for proving why you are reporting wrong information. What did XXXX send you??? If XXXX wont send you any information then you must correct it. 

Besides. this is a violation and illegal to be reporting late payment transactions on my consumer report. 
15 usc 1681a 2 a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Company policies never supersedes Federal Law. Also 15 U.S.C 6802 B - I was never given this option to opt out! Please remove all late payment transactions. 

If XXXX is unable to provide the documents I requested so many times its only fair to delete all the lates as requested.
Product: Credit card or prepaid card

Somebody opened a credit card for {$5600.00} in my name for Chase Bank and has already spent {$2200.00} at the time of this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX  XXXX ... XXXX/XXXX  XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I have almost XXXX hard inquiries that I dont recognize and or approve of
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove one account from my consumer credit report that does not belong to me.
Product: Debt collection

In accordance with the Fair Debt Collection Practices Act, I request full validation of this debt. Specifically, please provide the following : 1. A copy of the original purchase agreement or contract with XXXX XXXX that shows I am legally responsible for the debt. 
2. Documentation showing that the debt has been assigned to or purchased by your agency.

3. Proof of your license to collect debts in the state of Florida.

4. A breakdown of any fees, interest, or charges applied to the debt.

Please provide this information within the legally required timeframe. Until I receive this validation, I request that all collection efforts be suspended. 

Thank you for your prompt attention to this matter.
Product: Credit card or prepaid card

There is an account on my credit report that is listed under First Progress, opened on XX/XX/2015 with a balance of {$200.00}. I previously disputed this account and received copies of billing statements as validation of the debt. 

My issue is that I previously contacted this creditor and requested that they close the account and return my security deposit. 

The account closure was not processed by First Progress, which led to the account being charged-off. 

This was completely erroneous on their end as this account should not have been kept open and my deposit should have been returned to me, which I did not received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE NEVER GIVEN XXXX, XXXX OR EQUIFAX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. XXXX XXXX XXXX. THESE ACCOUNTS NEEDS TO BE DELETED XXXX IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX EQUIFAX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY XXXX XXXX XXXX THESE COLLECTION OFF MY CONSUMER FILE
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian failed to verify the Charge Off / Closed account and balance amount being reported for XXXXXXXX XXXX  pursuant to The Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ], Section 609 ( a ) ( 1 ) ( A ), and FCRA 611 ( 15 U.S.C. 1681I ). PROCEDURE IN CASE OF DISPUTED ACCURACY. 

It is unlawful and damaging to disregard or deny my request for disputed false, incorrect, and inaccurate information appearing on my credit report. Such actions are in direct violation pursuant to The Fair Credit Reporting Act. All information that is false, incorrect, and inaccurate is illegal to report in my credit file. The new updated information is not only false but also inaccurate and incorrect.
Product: Money transfer, virtual currency, or money service

Yes on Monday XXXX, XXXX, XXXX  I was scammed through Cash App and I got documents to prove I was scammed. Im in the process of filing a police report. I reached out to cashapp with proof they declined my request for a refund. And now Im looking for other options.
Product: Debt collection

Credits Inc has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Checking or savings account

I was paid on XX/XX/19 by XXXX with a check from XXXX XXXX   for XXXX. I mobile deposited the check on XX/XX/19 to my XXXX XXXX account. The funds were released. Then on XX/XX/19 the check was deposited again by an unknown individual to Eastern Bank. XXXX was charged twice, he said he opened a claim and that they took back my funds but not from Eastern Bank and was unsure why. XXXX tried to open a duplicate check claim with XXXX XXXX and the FDIC was involved. They issued a temporary credit to my XXXX account but then took it back out. I was never explained why. I inquired with XXXX he said there is nothing more he can do. He stated that the person at Eastern Bank still has his money. The individual who fradguaently cashed the check a second time. You can see that they never did a second signature on their mobile deposit, and that account is not one belonging to me with my name, so a second signature should have been required to process that. 

You can see a trail for checks deposited by me from XXXX. The unknown individual at Eastern bank has no trail as this was fraud. They have the funds that are supposed to belong to me. 

I have reached out to all three banks and they all are saying to contact the other.
Product: Mortgage

I inherited my home from my mother when she passed away in XXXX, XXXX. I am the sole owner and only heir of my home and have been living here since XXXX. The home has been in family since XXXX. I took over the payments after my mother passed away, and paid for several years. I was the executor of her estate. I lost my job because I contracted XXXX, and was hospitalized and unable to work for a time. I couldn't catch up the mortgage because of my illness. My mortgage was initially serviced by XXXX XXXX XXXX. Servicing was transferred to XXXX XXXX in XXXX, XXXX, where I submitted a request for a loan modification. After having to resubmit documents for the loan modification several times, servicing was transferred to Fay Servicing during the process. I applied for another loan modification with Fay Servicing and was approved a modification so long as I made the trial modification payments. The payments were due in XXXX, XXXX and XXXX of XXXX. 
I made my first two trial payments for XXXX and XXXX of XXXX. I tried to make my third and final trial payment in XXXX of XXXX, but the servicer 's system was not set up to take the last payment. Fay Servicing gave me the option of either paying the trial payments online or calling them in. I called in the previous two payments for XXXX and XXXX, XXXX without an issue. In XXXX, I tried to call in the payment, but no one answered the phone at Fay Servicing. I had called on XX/XX/XXXX and spoken with a representative to let them know that I would be making the last trial payment before the end of the month. The representative didn't indicate that they would be closed on the XXXX and unable to process my payment. On XX/XX/XXXX, I tried to call in my last trial payment of {$560.00}, but they were closed. I also tried to pay it online on Fay Servicing 's website, but was unable to make my payment because their system wasn't set up for online payments. I kept trying to make a payment, but was unsuccessful. I finally got through to Fay Servicing on Monday, XX/XX/XXXX and made my last payment over the phone and it was accepted. 
I didn't receive a final modification even after making all three trial payments, but was given a denial in XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax failed to adequately protect my personal data when it submitted itself to a cyber security breach earlier this year. This puts myself and many others at risk of identity theft, potentially affecting my credit rating. Additionally, Equifax failed to notify me that my data was stolen in a timely manner, as the breach occurred during the XXXX - XXXX 2017 time frame. I have confirmed that I am affected using the free impact service Equifax provided.
Product: Student loan

The lender Wells Fargo will not work with me to lower my monthly payments, thus driving me to consider defaulting. It is unfair for them to not offer any reasonable options for people like myself who are pursuing a better life in this country. I received an education that did not lead to a career in my field of study as well so i feel college advisor offices were very misleading as well. I feel trapped and there is no way out and have no hope for the future. Wells fargo student loan services is extremely greedy and shady as they are also unable to provide all of the allegedly signed documents after i 've requested them on several occasions. Please help me in resolving this issue and having Wells Fargo lower my monthly amount taking into consideration all of my debt/including federal loans. Their customer service is also terrible and lack empathy. Please help me! I feel trapped and extremely depressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$1700.00} is reporting inaccurate information. This debt was settled out and paid in full. There is NO BALANCE! Account opening date is INCORRECT AS WELL! PLEASE DELETE! 

XXXX XXXX XXXX {$17000.00} is reporting inaccurate information. The debt is completely WRONG! I even sent proof of my lease, to this XXXX XXXX XXXX and was told this would be removed. Which is STILL on my report! XXXX XXXX XXXX is committing fraud! Even tried to get a rental assistance funding in my name as well. For not wanting to renew my lease another year, which i got a lawyer involved in. PLEASE DELETE FROM MY CREDIT REPORT! 

XXXX XXXX XXXX as of XXXX XX/XX/22 Status and remark is reporting REPOSSESSION! When that is inaccurate! The car is still on a active contract! NOT REPOSSESSED, PLEASE DELETE THIS FROM MY CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The Payment status is incorrect! PLEASE UPDATE TO PAID ON TIME!! 

XXXX XXXX as of XX/XX/22 is reporting inaccurate information. This account was NOT A CHARGE OFF!! THIS WAS PAID IN FULL! REMOVE THE NEGATIVE REMARKS AND UPDATE!! 

XXXX as of XX/XX/22 this account was paid in full. PLEASE REMOVE FROM CREDIT REPORT!! 

XXXX XXXX XXXX as of XX/XX/22 is reporting inaccurate information! The amount past due is incorrect and the remark! This was NOT A CHARGE OFF! PLEASE DELETE FROM REPORT! XXXX as of XX/XX/22 is reporting inaccurate information! The account status, payment status and amount past due is INCORRECT! PLEASE DELETE FROM REPORT! 

XXXX XXXX XXXX  as of XX/XX/22 is reporting inaccurate information! The remarks are incorrect and this was PAID IN FULL! NO CHARGE OFF! PLEASE DELETE FROM REPORT!!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent name on my credit file : XXXX XXXX XXXX. There is also a fraudulent address : XXXX XXXX XXXX XXXX, ny XXXX. My name is XXXX XXXX XXXX and my current physical address is XXXX XXXX XXXX  XXXX XXXX XXXX  ohio XXXX.
Product: Debt collection

I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. 
My father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified mail to XXXX, XXXX? And Equifax to provide information on XXXX XXXX, XXXX, XXXX which is showing 2 inquiries and all 3 companies are failing to provide me information on my hard inquiries and disregarding my certified mail
Product: Credit reporting, credit repair services, or other personal consumer reports

**** In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX 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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

TRANSUION ONLINE CREDIT DISPUTE IS UNUSEABLE AND DIFFICULT GIVES NO OPTION TO FILE DISPUTE IN THE DISPUTE FILE SYSTEM OTHER THAN ADDRESSES, NOT ONLY IS THE SYSTEM OUTDATED AND DISFUNCTIONAL, THE REPORTING METHODS THEMSELVES ARE OUT OF DATE AND DO NOT MATCH EVEN REMOTLY CLOSE TO THE XXXX AND XXXX SYSTEMS WHOM HAVE NONE OF THESE ISSUES.
Product: Checking or savings account

I have two transactions come through my account and not enough money at the time to covered the transactions. I had until XX/XX/28 by XXXX to bring my account current to avoid the overdraft fee for high I did and I still was charged the fees and the rep XXXX was very rude and didnt help
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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

Target/TD Bank is reporting a fraudulent account opened on XX/XX/11 with an amount owed of {$4300.00}. I have communicated with the creditor that the account is as a result of Identity Theft and I have supplied the creditor and the CRAs ( credit reporting agencies ) with all the appropriate law enforcement reports and a explanation outlining the Identity Theft. The creditor, Target/TD Bank is denying to investigate and has denied me of proper FCRA rights, including the ability to examine the findings or facts for their decision making.
Product: Debt collection

On XX/XX/2019, I sent a Notarized Affidavit to Midland Credit/ Funding regarding an account that was reporting on my credit report that did not belong to me. In the affidavit, I advised Midland Credit/Funding I had no contractual agreement with their company an that the debt did not belong to me. I recently received a letter from Midland Credit/Funding stating that they intend to file a lawsuit against me as well as obtain a judgment if I did not contact their prelegal department. In addition, the letter threatened to garnish wages and obtain a lien against my property. This action taking by Midland Credit/Funding violates the Fair Debt Collection Practice Act 807,808, and 809. I have yet or ever recall receiving any initial communication or validation regarding this matter. I expect Midland Credit /Funding to immediately remove this account from all three consumer reporting agencies.
Product: Credit reporting or other personal consumer reports

I sent Experian the documentation needed to block/ delete the accounts in question per the Fair Credit Reporting Act ( FCRA section 605b ) Experian continues to run a foul of the FCRA statue. Experian is harming my life by reporting accounts that are a result of Identity theft, Experian continues to willfully push and impose corporate company policy on me which is not Federal Law. Experian is ignoring my Federal protected consumer rights that congress gave me. EXPERIAN CONTINUES TO REPORT DUPLICATE ACCOUNTS WILLFULLY, CFPB please help me with this issue to be resolved.
Product: Checking or savings account

I missed an email saying that my Citibank savings account would be deactivated if I didn't use the account in XX/XX/year>. When I needed money from this account in XXXX of XXXX  I sent in the notarized form they emailed to me to get the account reactivated. After a couple of calls to customer service, they told me to write a letter and told me word for word what to put in the letter asking for it to be removed from an inactive status. They provided the address, and I had it notarized again. That was sent regular mail on XX/XX/XXXX. They told me it should be reactivated again within 14 business days. I still has not been activated. I have called 4 times since those 14 days have been up. Each time they tell me they will email the back office to check on the status of reactivating the account and promise to call me back. No one calls me back. I live in XXXX, XXXX  hours and hours away from the closest branch. I don't know what else to do, but the situation is beyond frustrating.
Product: Checking or savings account

I deposited my initial payroll check from my current employer on Friday, XX/XX/XXXX at a Bank of America ATM. At the time, I didn't think any problem would occur with the check because the ATM was located in the lobby of the check issuer, XXXX XXXX XXXX XXXX XXXX. However, after the deposit, I noticed that a lengthy hold had been placed on the check ( eg, XX/XX/XXXX before XXXX ). That's seven business  days and two weekends, whereas my funds are not available. Once I realized that such lengthy hold had been placed on my deposit, I contacted Customer Service ( Friday, XX/XX/XXXX at approximately XXXX ). After speaking with the initial representative, and being told that there was nothing that I could do, I asked to speak with a Manager or Supervisor. The Manager/Supervisor confirmed that was nothing I could do. He stated that I couldn't get the check back, nor was there any option available to make the funds available prior to the stated hold period. As of today, Tuesday XX/XX/XXXX, the funds are not available. 


Though I understand the Bank 's concern with fraudulent checks being deposited, seven ( 7 ) business days is a long period to withhold access to deposited funds. Additionally, had the Bank provided a notice at the ATM, prior to accepting the check that such a hold period was being placed, I could have requested a return of the check at that time. There are numerous other ways that I could have gained access to the deposited funds, prior to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE CREDIT BUREAUS HAVE CONTINUED TO FAIL ME IN DOING A PROPER INVESTIGATION INTO MY DISPUTES REGARDING MY IDENTITY THEFT CASE. I DON'T KNOW IF THEY ARE IGNORING ME OR WHAT.
Product: Money transfer, virtual currency, or money service

I am receiving so-called invoices, supposedly originating from PayPal. These invoices state that I have purchased bitcoins. I have not purchased any such alternative or virtual currency because I view XXXX as a glorified Ponzi scheme which is nothing but a bunco grift run by a confidence men. 

The latest invoice is loaded with details that scream FRAUD. This one states PAYPAL, XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; Invoice : XXXX ; XXXX {$470.00} ; Phone # XXXX All of this contained in an email to me from one XXXX XXXX XXXX through and by XXXX XXXX XXXX. Neither individual is known to me, nor do I know anyone currently residing or doing business in California.