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

Dear CFPB, Dear state attorney general, I am submitting this complaint because Equifax will not help me. Even after I showed them multiple times of how they are violating the Fair Credit Reporting, The credit bureaus keep disrespecting the laws. I am a victim of identity theft and have enclosed a copy of my identity theft report, a copy of my drivers license and my recent credit report. I am writing to request that you enforce Equifax to place an immediate block this fraudulent information per section 605B where it requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnishers of that information And also sections 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file. Place a delete and block on the following fraudulent information in my credit file within 4 days upon receipt of this correspondence. 

Account name : XXXX XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX XXXX XXXX Account # XXXX, Account name : XXXX XXXX XXXX XXXX Account # XXXX I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. As you can see in my credit reports the bureaus have deleted and blocked these fraudulent accounts that were opened in my name. The credit bureaus In fact, I did not send a regular dispute, I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. Please Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX  and Transunion a collection in the amount of {$3500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I cancelled this account and returned all of the equipment back to XXXX, paid what was owed and therefore there is no outstanding balance to report. This account needs to be removed from collections and deleted from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureaus to remove this item however, I have not been successful.
Product: Vehicle loan or lease

Every month I send Capital One a check for the regular monthly payment, and I include a separate check for XXXX $ clearly labelled PRINCIPLE ONLY. They then take a portion of that XXXX $ PO payment and apply it to an additional monthly payment. I have contacted them 3 times and they will not stop doing this. I don't see how this is not theft/fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : LATE PAYMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Formal Dispute of Inaccurate Credit Reporting under FCRA and Consumer Law To Whom It May Concern, I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX 's failure to conduct proper investigations. Specifically, in a lawsuit filed against XXXX, the CFPB alleges that the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. As per 15 U.S.C. 1681 ( a ) ( 1 ) ( A ), XXXX is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 
Failure to adhere to these requirements constitutes a violation of federal law.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXXXXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Checking or savings account

On XX/XX/2018, we placed an online order for a hotub with XXXX 's XXXX. XXXX 's took the money from our account the day after the order was placed and 2 days later put the funds back into our account. Approximately 5 weeks later we attempted to obtain status of our order and were told by XXXX 's that we did not have an order because our payment did not go through in which we explained it was initially taken and then returned to our account. Based upon this, we offered to pay on the spot under the condition that we would not have to wait another 6 - 8 weeks and we were told that was not possible. We therefore received written confirmation from both XXXX 's XXXX and the 3rd party vendor who manufactures the hot tub that our order was indeed cancelled. At the end of XX/XX/XXXX, XXXX 's again withdrew the {$6500.00} as payment for the hot tub that was cancelled. We disputed the charge and our money was returned to us. We have provided USAA Federal Savings bank all the documentation evidencing that the order was cancelled on 2 different occasions and received confirmation that it has been received. On Monday XX/XX/XXXX, the {$6500.00} was once again taken form our account over drafting the account approximately {$4000.00}. The money was taken a full 10 days prior to the deadline issued by USAA and the documentation to evident the order cancelled has been confirmed received by USAA. We have repeatedly requested immediate resolution to this matter since it was their error and no one has been able to return the money to our account. We are asking that this be rectified and would like to know our consumer rights for damages.
Product: Debt collection

ARA, INC. in XXXX XXXX, IL .... sent me a letter saying I owed {$610000.00} ... .on a credit card debt that was dismissed during a bankrupcty in a case that started in XXXX ... ..got a letter in the mail on XX/XX/XXXX ... said they were trying to contact me for years ... this was the first letter I have received ... The said they were going to sue me and get a judgement on everything I own and attach my wages ... .. I called them and they said they would accept {$3100.00}. I am XXXX years old and I do n't want to be sued ... .did n't realize at that point it was included in a bankruptcy that was filed in XXXX ... I paid {$300.00} to them upfront and said they would not sue me if I paid the balance in 10 days.. after that, I realized that it was included in a bankrupcty .... I called back and talked XXXX XXXX was screaming at me, said now the entire amount is due ... .she hung up on me ... I was just trying to determine what this was about ... I have copies of my bankrupcty papers ... which includes the XXXX XXXX credit card ...
Product: Mortgage

I would like for CFPB to publish my complaint, so that others in in my position would not have to incur the frustration and stress that I 've had to endure. My complaint is with Third Federal Bank. I am a XXXX XXXX year old women, with COPD. I 've have been trying to work with Third Federal Bank work with me to modify my mortgage. I was denied because I no longer bring the same income as I did when I was working. 
My first modification my mother was allow to assist me with money per month to add to to help with my income. But when my mother took ill her self, I went back into the hospital. I attempted to get another modification based on my income alone, seeing as though my mortgage was over have of my monthly income. I gave them all the information, they asked for and told them my mother was willing to to help me still monthly. I was told no, I did n't make enough money and that I needed, to just let my home go and look into a XXXX XXXX place. I have owned my home and have tried everything to hold on to it, for 14 years. I fear I 'm being pushed out of my home, I was told it was too late to too late to save it because. it went into foreclosure XXXX, XXXX 2016. Now I have no place to go, with XXXX 24hrs. a day, on a fixed income. Please Help ... ..
Product: Mortgage

I had this FHA loan since  XXXX . I refinanced in  XXXX . I have been paying FHA mortgage insurance for 26 years.  Loan  is  XXXX , appraisal of property is  XXXX .   with equity of over  XXXX , the monthly FHA insurance should be removed.   I have been trying to for 15 months to have Freedom Mortgage remove the mortgage insurance but i keep getting being ignored. I get con artists on the phone that use fraudulent methods to frustrate me.   I am confident that Freedom Mortgage of  XXXX  TX is employing fraudulent methods to steal its clients money.
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 Process Act ( EFTA ) and Regulations E. These actions has 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

equifax has unlawfully allowed false inquiry on my files which i did not authorize. over five companies showing. furthermore remains non compliant with removal of : XXXX XXXX XXXX XXXX or XXXX XXXX-10years old account XXXX XXXX- disputed in full, unauthorized charges present XXXX-not collecting and no response XXXX- hostile torwards me, TILA violation, bureau non responsive in removal, atty hired served with other accounts for removal and keeps adding them back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian nad XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$4400.00}
Product: Debt collection

XXXX mother passes XX/XX/XXXX dcm services sends letter for owner of estate of my mother eluding to finances and possible debts owed. Only asking for contact information. 
XXXX letter received at home XX/XX/XXXX contacted XXXX  state attorneys for advise XX/XX/XXXX contacted XXXX  state attorney generals office XX/XX/XXXX ran credit report on mom. Saw no debt and no outstanding debt confirming no issues or reason for dcm contact or need for information. Checked credit scores and near perfect scores. 
XX/XX/XXXX XXXX  state atg office responds with complaint forms and how to find XXXX  state attorneys. 
XX/XX/XXXX filed complaint with XXXX  XXXX XXXX office XX/XX/XXXX filing complain with CFPB No response has been given to dcm services due to vague request and eluding to debts owed. Giving contact information can possibly open vulnerable parties to further malicious intentional harassment, coercion, or extortion. Under no circumstances will we ever reach out to the company for more information without them first giving a reason for why they are contacting my mom 's estate so soon after her death.
Product: Credit reporting or other personal consumer reports

I need to delete all inaccurate addresses that appear on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a credit report dispute with all three credit agencies. I filed each dispute online, and asked for the results to be submitted to me online, when I completed each request. Equifax e-mailed me on XXXX that the results of my dispute were finalized, and provided me with a confirmation number and a link to log-in to my account to view the results of the dispute. When I did so, the link in my account under " Dispute Center '' did not work, and I was not able to see any information regarding Equifax 's findings. 

I called customer service. After a very long wait, I was told the dispute finding was NOT available on the website using my log-in after all, but the findings could be provided to me in another manner. I asked the agent on the phone to provide the findings to me in the manner in which I requested when I completed the dispute request to Equifax, which was online. I then had to ask about 10 times to be transferred to a supervisor or someone who could resolve what appeared to be a technical issue with Equifax 's website. I was finally transferred to another supervisory agent who told me the issue could not be resolved. 

All that I am asking is for the findings of my dispute to be provided to me online, so I can take the action necessary to address the findings in a timely manner. Snail mail is not a manner that fits my need, which I communicated to Equifax at the time the dispute was filed. 

I have included a PDF of the notification email from Equifax, and also a screenshot of the online " Dispute Center '' after I enter log-in credentials, showing there is nothing available to view regarding the status of my dispute and how it was resolved.
Product: Credit reporting or other personal consumer reports

Given the increasing prevalence of breaches, it makes sense to freeze your credit report - I wanted to verify my freeze as the last breach exposed information about me that went back decades. I logged into Experian to try and see if my credit report was frozen - I urge you to try it for yourself - unless you are specific enough in navigating their website you will be led to think the only way to lock your credit is to pay for their credit lock option. The website and even the chatbot are circular and misleading UNLESS you can be specific about a credit freeze rather than locking and this is deceptive in my view- it may lead those who are concerned, but can't afford another monthly service charge to skip this step exposing them to risks that if Experian were a research organization would not be allowed to have the data they maintain. Both XXXX and XXXX are more transparent with this service, but in my view Experian is guilty of deceptive practices.
Product: Credit reporting, credit repair services, 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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX  Account # : XXXX, has violated my rights. 
XXXX XXXX  XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # : XXXX, has violated my rights. 
XXXX XXXX Account # : XXXX, has violated my rights. 
XXXX Account # : XXXX ****, has violated my rights. 
XXXX Account # : XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX  XXXX XXXX  Account 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 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

When checking my report I noticed fraudulent and unauthorized inquiries on my report, I did not give any of the credit bureau 's permission to furnish this information on my consumer report this is a violation of the credit reporting act section of 1681b ( c ) which constitutes as fraudulent activity and violation of my privacy rights. 
Below are the inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I never had any agreement with this company and I dont owe them anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an update credit report, no changes nor response to why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting the following address information be permanently removed on my credit report. The following information is incorrect and must be removed immediately as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate Therefore, they must be removed : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I monitor my credit report through XXXX, XXXX, and XXXX. I received an alert from all 3 bureaus that there was a collection account added to my reports. The company 's name is United Collection Bureau showing an account # of XXXX in the amount of {$740.00} with an original creditor named XXXX XXXX XXXX XXXX. I have never heard of the company United Collection Bureau. I am unaware of this company, the amount, the debt and it's origin, therefore, this debt is not validated by me. Under the Fair Debt Collection Practices Act ( FDCPA ), the alleged debt has to be validated. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my PRIVACY and medical records from third parties. I did not give permission to XXXX XXXX XXXX XXXX to to release my medical information to a third party. My complaint is two-fold : Validation of debt and HIPAA authorization. I demand that United Collection Bureau DELETE credit reporting from XXXX, XXXX, and XXXX until this debt is validated showing proof of my signature. Any further reporting of this collection debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I demand DELETION of the erroneous account # XXXX from XXXX, XXXX, and XXXX immediately.
Product: Debt collection

I am five days late paying my Macy 's card. I have told them I will pay them when I get paid, and have told them the date. They continue to call me anywhere from 4 to 6 times a day and they use two separate numbers to call me with. One number is XXXX and the other number is XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE SENT AND REQUESTED THE removal OF fraudulent identity THEFT ACCOUNTS FOR THE LAST YEAR. XXXX REFUSES TO DELETE AND INVESTIGATE INFORMATION. THEY WILL NOT ADHERE TO MY FTC identity THEFT REPORT OR MY POLICE REPORT THAT VALIDATES THAT I AM AN VICTIM OF IDENTITY THEFT. XXXX IS NOT investigating DISPUTES, THEY JUST CONTINUE TO SEND SAME PAPER SAYING IT WAS DISPUTED. PLEASE INVESTIGATE WHY XXXX REFUSES TO ADHERE TO THE GUIDELINES PUT IN PLACE FOR identity THEFT VICTIMS.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 card or prepaid card

On XX/XX/2022 I initiated a balance transfer with Comenity Bank XXXX XXXX XXXX XXXX XXXX XXXX. They gave me a promotional transfer fee offer and 0 % interest promotion if I transferred a balance to them. I initiated a transfer from my XXXX XXXX XXXX in the amount of {$3500.00} to Comenity bank. They took my balance and never paid XXXX XXXX, so now I have double the debt. 

Furthermore, they never notified me that they never paid XXXX XXXX. I found out because I called XXXX XXXX first when I saw my account balance was still high and they told me they never got paid. When I followed up with Comenity, I found out that their system had a " glitch '' and they never notified me of that happening. 

They then told me they opened a dispute and it will take 90 days for this to be resolved. In the meantime, I need to pay XXXX  XXXX and Comenity. Comenity is stealing from me. 

To me this seems like a financial institution having cashflow issues from mismanaging their business and stealing from consumers to keep afloat. 

Please help.