23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX  and TRS Recovery Services Inc. are trying to collect a debt for an amount of $XXXX that was not created by me. They have confused my name with another person of the same name but different middle initial. I live in a different U.S. state and have not moved in the past 10 years. I've contacted XXXX  and TRS directly but still am receiving these debt collection letters in my mail. I feel violated and harassed and therefore I'm filing this complaint to have them stop and send this bill to the right person or address.
Product: Credit reporting or other personal consumer reports

In XXXX of this year I wanted to get my free credit report from Experian. Their website did not make clear out to do this, and I accidentally wound up signing up for some service. I'm not totally clear actually what the service is, I thought it was putting in required information to get a free credit report, and they signed me up for their service. 

Since then, I have been charged {$14.00} every month by Experian. I've tried logging into their account to cancel whatever subscription I have, but their website either says that I don't have an account, or it says that it is having some kind of technical difficulties. Also, sometimes their website blocks access when I click on certain links. 

I've tried calling, but when I call it immediately asks me for my social security number, which I'm not comfortable giving to an automated machine, especially when I'm having this kind of dodgy trouble with the company. Other times, when I have tried calling numbers on their website, it just doesn't connect. 

I have also tried reaching out by email. They have been slow to respond, and are doing the same thing of asking me for my account information. I've never received any account information, but I'm still being charged by them every month. 

This has been extremely frustrating. I have no idea how I signed up for the service, and I have no idea how to cancel it. I haven't received any actual goods or services in the meantime. 

This appears to be intentional as a way to dishonestly get money from me while doing nothing in return. It is taking a long time to cancel because I'm busy and don't have time to fight through this ridiculous system.
Product: Credit reporting or other personal consumer reports

I was viewing my XXXX Report and discovered hard inquiries that I did not authorize. Some of them also appeared on XXXX, and Transunion. XXXX would not allow me to dispute them, and to make matters worst : I saw a due date on these hard inquiries. Meaning, they have the authority to continue pulling your credit as many times as they choose until their expiration date is complete, and continuing to bring your credit score down without your knowledge.

This is horrifying.
Product: Credit card or prepaid card

Im being discourage and discriminated from applying for a card on the bases of bogus reason. 
The law bars discrimination. 
This law protection means that a card issuer may not use any of the above grounds as a reason to do the following : discourage you from applying for a card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus on XX/XX/22 to update these suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, and XXXX, and I'm including it again. 


XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$490.00} XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Student loan

Nelnet has been double reporting my accounts for months. I have reached out and asked them to tell me which two of the four accounts they are reporting are correct. I have asked them to tell me what other loans are consolidated into the accounts that I have with them. They keep refusing to do this. And they did a hard pull on my reports when I complained, even though I have provided them proof of their incorrect reportings. Since I supplied them with the account numbers they are reporting at each bureau all I have gotten back is nonspecific form letters where they say they refuse to investigate it further. They are hindering my ability to obtain the credit I need by their lack of proper reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( XXXX  XXXX ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Debt collection

first call from midland credit management was on XXXX/XXXX/XXXX, which I thought was a little strange. My phone service is XXXX which is XXXX. I get a lot of spam calls, so I downloaded a program on my computer called " XXXX '' which my phone only rings once and stops ringing. I have checked my credit report from XXXX and there is nothing negative on it except for the bankruptcy in XXXX. 
I have filed a complaint with the XXXX against Midland and threaten to report them to the nys attorney generals office. Back in XXXX midland credit was sued by the XXXX. The company was sued for XXXX dollars and more than XXXX improperly obtained judgements were vacated. I have never received any written information from them of who I owe and how much I owe. I am current with all my bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft from not filing taxes, so somebody filed federal taxes for me. Therefore, every year now I have to have a pin when I do my IRS taxes, federal taxes. This is identity theft.
Product: Checking or savings account

On XXXX I called Bank of America waiting for over 30 minutes. Finally got a rep.., my checking account was negative due o the fact my father passed away and had to use the money in that account. A check was deposited and Bank of America paid the merchant and I was negative. I had a negative ( didnt know I had the option of making payments to off set the negative account. I made deposit in an other account money I borrowed from my retirement. Bank of America withdrew the money to pay of the account that negative left me with {$25.00}. I had bills to be paid and needed money for the week. After 30 mins spoke to someone no one could help me or work with me. Ive been banking with them for over 20 years and they didnt show any sympathy for my problem. Bank of America will be losing me as a customer and will tell anyone that banks with you to leave and get an other bank. This was the last straw for me, they have been other problems Ive had with Bank of America
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the accuracy of my credit report as reported by the credit bureaus. My name is XXXX XXXX, but the credit bureaus have listed my name as XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, which has caused confusion and errors in my credit report. 

Furthermore, my current address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but the credit bureaus have reported multiple incorrect addresses. These addresses include 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. 

These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) which requires that consumer reporting agencies and furnishers of information to credit bureaus must ensure that the information they report is accurate and complete. Additionally, Section 623 ( a ) ( 2 ) requires that consumer reporting agencies must conduct a reasonable reinvestigation of disputed information upon request by the consumer, and must modify or delete inaccurate information. Furthermore, Section 623 ( b ) requires that consumer reporting agencies must block information that is inaccurate or incomplete from being included in the consumer 's credit report.

Moreover, the inaccuracies in my credit report have had a significant impact on my life. For example, I was recently denied a loan due to the incorrect information in my credit report, which has prevented me from achieving my financial goals. Furthermore, the multiple incorrect addresses have caused confusion and delays in my daily life, such as with receiving mail and packages, and have caused unnecessary stress and frustration.

Therefore, I am requesting that the creditor remove these unverified accounts from my credit report and take all necessary steps to correct the inaccurate information in my credit report. I am also asking for the enforcement of the legal requirements of the FCRA and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Section 114 which requires that creditors and lenders must truncate credit card and Social Security numbers on any receipts or documents they provide to consumers, in order to prevent identity theft, and Section 315 which requires that creditors and lenders must take reasonable steps to protect their customers ' personal identifying information ( PII ) from identity theft. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

My XXXX had a XXXX and can no longer take care of himself. I have Power of Attorney and sent it to the the credit card company managing his business account and instructed them to close the account. Instead of doing what I instructed they kept the account open and sent me an application to be an " Authorized Representative ''. Why would I want to be a representative on an account I want to close? The Power of Attorney clearly states that I am in charge of all financial matters. I can not find all the reoccurring charges my XXXX had set up on this business account and 5 days after I faxed them my PoA and instructions to close the account a reoccurring charge was made. I faxed them my PoA again and told them what happened and that I am not paying any charges made after my original Fax and instructions. I am now getting bills in the mail with late fees and interest charges. I am the one in charge of my Fathers finances now and I did not authorize these charges, in fact, I did everything I could to prevent them. This is Fraud.
Product: Credit reporting or other personal consumer reports

Kindly remove this information from my credit report within XXXX business days, in accordance with section 605C of the Fair Credit Reporting Act. I would appreciate a notification regarding the actions taken. Thank you for your swift attention to this issue.
Product: Credit reporting or other personal consumer reports

There was a judgement that was passed during a class action lawsuit XXXX XXXX were in violation if section 1031 and 1036 of the consumer financial, 12 U.s.c. ss 5532,5536. for reporting false information under section 1053 and 1055 of the cfpa 13 u.s.c ss 5563, the bureau issue this consent order .So XXXX account number XXXX XXXX is violating my right per fcra please delete off my credit report attach is the court order
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINICIPAL IS NOTICE TO AGENT Transunion you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
1. XXXX XXXX XXXX - {$630.00} 2. XXXX XXXX XXXX XXXX- {$24000.00} The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 

You and your inaccurate reporting have damaged my livelihood 15 U.S Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As defined by the IRS Even if you didnt receive a form 1099-C, you must report canceled debt as gross income on your tax return. 

The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By Definition The IRS clearly says a cancelled or charge off is income. The reporting of this account as a debt is inaccurate. 

15 USC 1681 s-2 says you Transunion are a furnisher of information to a consumer reporting agency. 
YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 

If you continue to report this account this is considered willful noncompliance. 


15 USC 1681 s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A persona shall not furnish information relating to a consumer to any consumer reporting agency if - ( ii ) the person has been notified by the consumer, at the address specified by the person for such notices the specific information is inaccurate ; and ( ii ) the information is in fact inaccurate. 

In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact inaccurate. 

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. 
You have caused me and my family severe harm due to your negligence and inaccurate reporting. 

This a final opportunity to cure and delete this erroneous inaccurate account from my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is repeating violating my rights, as well as the Fair Credit Reporting Act. Despite several correspondences I've had with them, they refuse to correct and continue to report inaccurate and unverifiable derogatory information about me. On numerous occasions over the last several years, including as recently as this morning, XX/XX/2022, I have requested verification of this debt per my consumer rights pursuant to the Fair Credit Reporting Act. They have allegedly verified this account several times electronically with the original creditor but never once to me as mandated by law. I have actually disputed this debt with the data furnishers several times, directly, but they have to date failed to provide proof that this account is mine, as requested per the FDCPA, so I am certain that Equifax has not properly investigated, verified or validated anything despite their claims to have researched and verified these accounts. On XX/XX/2022, two Equifax agents were reminded of the FCRA which states that, after reinvestigation, any information that is inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. Both agents admitted to being aware that the FCRA states this yet refused to comply with the FCRA and my request that the accounts be removed. They both insisted that I must file ANOTHER dispute so that ANOTHER " investigation '' could be performed, but neither provided me with proof of the investigation that Equifax claims has ALREADY been completed for the information that remains on my consumer report. They both also admitted that their dispute process doesn't even include an investigation that is in accordance with the FCRA and when asked for proof that they had my written permission to furnish a consumer report using my name, in the first place, they both admitted that they do not have any such proof or permission ( but still refused to remove the accounts furnished without my permission ). With that being said, I feel that Equifax is intentionally and willfully being neglectful in remedying my affairs. In light of recent investigations brought upon Equifax, they are truly undermining my confidence of the fairness and accuracy of their credit reporting methods, which is essential to the banking system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 


XXXX. 

ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} Experian ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX  XXXX, AZ XXXX Inquiries : XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXXXXXX  XXXX XXXX Owed : {$0.00} XXXX XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card

I took out credit card through Wells Fargo to pay for engagement rings at XXXX XXXX. I never received paper statements, so I would just call and make payments by phone. when I called and made payments representatives of Wells Fargo would tell me my next payment was due in two months. At the time I found this a little odd, but had miss placed my contract so I continued to pay that way. Not receiving any paper statements or late payment notices this went on for about a year. Recently XX/XX/XXXX I called to inquire about my remaining balance, to my surprise it was very close to my original balance when I first bought the rings. I spoke with a supervisor at wells fargo and she said my balance was high because of my late fees and because I had missed their promotional one year no interest so XXXX % had been added on. I explained to her what I had been told on several occasions about paying every other month. Wells Fargo said that is not their policy and they were sorry if someone misinformed me. I requested that she look back through recorded conversations, ( which they warn about every time you call ). It took a week to get back a hold of this supervisor in which she said non of my transactions had been recorded. I took it upon myself to record our conversation as well as another Representative in which the XXXX have contradicting information regarding how my payments work. I thought about contacting cfpb, but then I decided I will just pay my remaining balance but then it jump up once again and I can no longer stomach them doing this to me or anyone else. I just want to pay what I originally owed.
Product: Mortgage

I was defrauded by Loan Depot, NMLS / LICENSE ID XXXX this morning. I took Mr. XXXX XXXX, XXXX XXXX XXXXCENSE ID XXXX unsolicited call this morning around XXXX XXXXXXXX  promising 15 years loan at 1.75 % interest at no cost. Mr. XXXX was made aware that I am in a middle of a refinance with XXXX XXXX for 1.875 % at zero cost for also 15 years. When I asked if he could beat that deal, he confirmed that he could do 1.75 % at zero cost. When I received the paperwork at XXXXXXXX XXXX  today, I found out that I am being charged more than {$8500.00} in closing costs. When I asked Mr. XXXX to correct the loan estimate based on the promise that he himself recorded during the call with him, he said '' do not worry, my boss will approve it and will send you the revised documents very soon, no later than 15 minutes from XXXX this morning. 

As I received nothing, I sent 2 emails and left couple messages to Mr. XXXX, Mr. XXXX answered around XXXXXXXX XXXX  saying he is waiting for his boss who has been in 2 hours meeting. I did call your customer service to complain who also advised that neither XXXX nor his Managers were available. 

Mr. XXXX did collect {$21.00} in advance for credit report and obtained my consent to run my credit based on a false promise. He also asked me to provide XXXX ' documents to show to his boss and collected personal information based on the same false promise of a XXXX  cost@ 1.75 % for 15 years. 
I had a horrible experience with Loan Depot back on XXXX of last year where I paid the same credit report fees and I ended up going no where. 
Mr. XXXX 's call to me this morning was unsolicited and I regret that I wasted my time and took it and provided my personal information once again to an organization like Loan Depot that does not value customer service or customer rights, or abide by the regulations. I requested that Mr. XXXX does not destroy the recording of the call this morning where Mr. XXXX stated the loan details. Mr. XXXX advised that such recording is a company policy and destroying it may be tampering with potential investigation by the concerned agency.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.