23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : XXXX  XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts RE : XXXX  XXXX XXXX XXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX, reports incorrect civil and collection data to leasing background companies such as ; XXXX XXXX, XXXX, XXXX XXXX, etc.Mostly leasing background check. 

This is hindering me from getting the home I so desperately need. Please help me. Im determined to contact the media or whoever I have to, in order to get this resolved. 

Please help me expedited, Im living in hotel.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, and XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX have 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 an account without my written instructions.
Product: Checking or savings account

My card was charged from a hotel in XXXX XXXX  I live in XXXX never been to XXXX. They denied my dispute without properly investigating. I asked for the documents and I received nothing. Disputed on XX/XX/XXXX I received a denial on XX/XX/XXXX. The amount is XXXX. This violates federal law under 12 C.F.R. 1026.13 ( a )
Product: Credit reporting or other personal consumer reports

XXXX. XXXX XXXX XXXX XXXX credit card The report shows that I'm late for the month of XXXX I have paid for XXXX and the balance is lower than it shows on my credit report I Would like for my account to be updated to remove that late payment off my credit report and balance. 


XXXX. XXXX XXXX XXXX  credit card is paid off and the account is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

THESE ACCOUNTS THAT ARE LISTED ARE FRAUDULENT SOMEONE USE MY IDENTITY TO OPEN FRAUDULENT ACCOUNTS WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAS. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : Account name XXXX XXXX XXXXXXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific items in my document coming about because of the wrongdoing. The items 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 XXXX, FL XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$6700.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX filed a lawsuit on behalf of Discover Bank back in XXXX. XXXX than failed to prosecute the lawsuit for 15 months, until they realized my address had changed. XXXX deliberately sent court notices for a summary judgement hearing to an address they knew was no longer a good address for me. They were able to get a summary judgment because I was not at the hearing. The deliberately tried to " back door '' a summary judgment by unethically, and in violation of due process, giving notice to an address they knew was no longer a good address. The court issued a judgement after the hearing back in XXXX. Four years later I became aware of the judgment. XXXX sat on the judgment, without my knowledge there was a judgment, for four years ; in hopes of someday being able to garnishes wages of accounts. Once I found out about the judgment I filed a motion to void that judgment for due process violations, etc. The court voided the judgement. However, the damages is done. Had I been aware of the judgment that XXXX unethically obtained and secretly sat on, I could have filed for bankruptcy protection over 4 years ago. Please hold XXXX responsible for the abusive and unethical collections practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX SSN : XXXX | DOB : XX/XX/1990 Experian XXXX. XXXX   XXXX XXXX, TX XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately : Account Name : XXXX  ( Original Creditor : XXXX  ) Account Number : XXXX**** Reason : Unverified account Account Name : XXXX  ( Original Creditor : XXXX ) Account Number : XXXX**** Reason : Unverified account Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 

Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Hit Inquiry without permission XXXX XXXX XXXX, 2017 Hard hit my credit without permission. Tried to call and have it removed. They could n't reverse it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a validation of debt from XXXX XXXX. As you'll see in the attached photo in the account info section XXXX stated and published that I opened the account on XX/XX/XXXX, but their records show the account was opened in XX/XX/XXXX. If in fact this is the case, I'm requesting any and all late fess, penalty fees, and any other fees charged to or in association with this account that occurred on or before XX/XX/XXXX be refunded to me immediately.
Product: Credit card or prepaid card

XXXX XXXX  XXXX XXXX in XXXX XXXX offer a service for a trainer but fail to mention this service is a subscription type of charge. So in other words if you dont attend the training with a trainer they still charge XXXX XXXX I went on Vacation for a month and came back to two charges of XXXX , one for the month of XXXX and XXXX of XXXX. I filed a claim with my bank in order to get my money back and my bank gives a temporary credit in late XXXX. Approximately XX/XX/XXXX XXXX XXXX charged my credit card account twice for XXXX XXXX Around the same date I called XXXX XXXX the manager explained since I filed a claim with my bank, they had charge my account again for the amount of XXXX $ twice. My bank denied my claim and removed the temporary credit, but XXXX XXXX did not remove or refunded me the transactions from XXXX of two XXXX . At this time XXXX XXXX has charged XXXX $ for a service I have not used since XXXX of XXXX. Ive been trying to escalate this with my bank but they dont want to help me nor try to understand that those transactions in XXXX are an overcharge and authorized. XXXX XXXX  has been giving me the run around since XX/XX/XXXX. Ive spoken to the manager and the owner about this but they say they have no money to refund since they only have the invoices from XXXX and XXXX but not the ones from XXXX. I have my credit card statements showing the transactions posted and the temporary credit removed. I have yet to hear back from XXXX XXXX about my refund. Bad customer experience overall with XXXX XXXX located in XXXX XXXX XXXX XXXX California.
Product: Credit reporting or other personal consumer reports

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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

XX/XX/2020 I sent notarized documentation to both XXXX  and Equifax credit bureaus. XXXX account failed to respond within the 45 days. 
I had to resend notarized documentation again in XXXX to get the account reinvestigated. 
Now Im being told that if XXXX does not send the documentation stating that account is closed it will remain on my account. 
XXXX has provided me with the deed of foreclosure with a balance as of XXXX Im not responsible for this account and XXXX and Equifax keep allowing inaccurate information report on my file which is creating undue stress and credit worthiness. This is affecting employment and credit.
Product: Student loan

I am about to get garnished through a company where i have sent in all my documents so they can not garnish me. But they are sending me to fake websites like its the federal government loans but its not. Its fraudently sending me to a website like its the federal student loans and they are not. I asked for a hearing and have not received one just more threatening letters about garnishing my money. I can not afford to pay them right now i am trying to get back in school but the way they are treating me without working out any payment plan nor would they allow me to add them to the consolidation loan which i am waiting on answer from them and its been over 2 months.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to an inadequate customer service and unfair practices, which Violates the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent an 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 a financial loss and I seek appropriate redress for these violations XXXX
Product: Mortgage

On XX/XX/XXXX a letter was sent to Fay Servicing from XXXX, XXXX XXXX XXXX on my behalf requesting an explanation or removal of a corporate advance charge of {$5200.00}. I had previously sent this request to XXXX XXXX, Account Manager at Fay Servicing explaining that this charge had no merit as I was not in default or foreclosure. It is now XX/XX/XXXX, and I have not received an explanation or correction on this matter. I know that within 30 days of talking to your service provider, there should be some kind of resolution ( or response ) to the problem and if there isnt, they have violated federal law. Additionally, I have stop receiving monthly mortgage statements for several months. Fay Servicing tried to have me accept a payment plan that was made by XXXX XXXX. I told them I did not want to accept it because I was paying my mortgage and the numbers XXXX listed were wrong and they were no longer my service provider. Additionally, I told XXXX XXXX that I would not sign off on XXXX XXXX Plan, and he told me that I did not have to sign off. This appears to be Fay Servicing trying to forcibly make me agree to a payment plan that I did not accept. I believe this to be illegal. All my payments made by check clearly outlined each month being paid. Instead, it is my assertion that Fay Servicing charged these amounts erroneously to corporate advance instead of the monthly statements to deliberately make it appear that I was in default of my loan. This is unethical.
Product: Debt collection

Equifax continues to report false information on my credit file for account ending # XXXX from XXXX XXXX XXXX XXXX. This company is reporting false information of an account ending # XXXX I did not open, a payment I did not make and a balance I don't owe. ALL the proof is on the report itself. XXXX XXXX XXXX XXXX reported XXXX balance in XX/XX/XXXX, then reported a new account ending # XXXX, a payment and a new balance. Here lies the false reporting. This is a direct violation of my Consumer rights, FCRA USC 1681 for FAIRNESS, ACCURACY & PRIVACY. This company has a history of unethical practices and reporting inaccurate information. 

A major cybersecurity incident at XXXXXXXX XXXX XXXX, one of the top financial organizations in America, in XXXX exposed the private data of millions of customers. As XXXX is here, impacted consumers might at last get payment through a XXXX XXXX XXXX  Settlement Payment Amount XXXX. Following advancements in cybersecurity, the attack exposed weaknesses in XXXX XXXX XXXX information technology system.With recent lawsuit-CFPB Sues XXXX  XXXX for Cheating Consumers Out of More Than {$2.00} XXXX in Interest Payments on Savings Accounts. 

CFPB Sues XXXX  XXXX for Cheating Consumers Out of More Than {$2.00} XXXX in Interest Payments on Savings Accounts. Misled consumers about high interest accounts : XXXX XXXX illegally deceived consumers and XXXX XXXX, XXXX. violated the Truth in Savings Act by representing that 360 Savings provided a variable interest rate that was one of the nations top, best, '' and highest, and would earn much more interest than the average savings account. 
Kept consumers in the dark to maintain a two-tier system : XXXX  XXXX misrepresented to existing customers that its 360 Savings account was and would be its only 360 high-interest savings product with the features, terms, and conditions of 360 Savings and obscured from those customers its newer, much-higher-interest 360 Performance Savings accounts, which otherwise had all the same terms, conditions, and features of 360 Savings. XXXX XXXX used 360 Performance Savings to attract new depositors without paying existing depositors the interest they were promised. XXXX XXXX avoided paying more than {$2.00} XXXX in additional interest to millions of customers because of these actions.
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 Account Number:XXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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

I disputed my balance and/or past due amount are/is correct. I also Disputed My payment history/rating is incorrect in showing 21 % and me having 48 late payments reported by Transunion with the dispute being completed on XXXX. Both were for my account with the MN child support agency. The conclusion of the dispute stated the information was updated. 

My XXXX payment history shop at 91 % and is stating I've missed one payment with the MN child support agency. I have documentation from the MN child support agency stating I am current on my payments and I am not in the areas on this account.
Product: Student loan

I requested a deferment from MOHELA and provided XXXX letters from my physician and my mental health professional at the Department of Veterans Affairs certifying my unemployability due to XXXX. To date, MOHELA never provided me with a decision on my request for deferment. Instead, MOHELA responded with repeated demands for payment by email, robocalls, and collection calls. 

When no decision on my request for deferment was received, I followed up with another letter asking for a decision on my deferment request and asking for the harassment to stop, attaching my first letter along with the accompanying physician and mental health professional notes. 

Several months after my initial request, MOHELA sent me a letter suggesting that I apply for deferment and did not acknowledge my outstanding request for deferment or the letters from my health professionals. It was clear that MOHELA does not intend to actually take action on any requests for deferment but only pretends to provide that option for lenders.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed Chapter XXXX bankruptcy in XX/XX/XXXX. XXXX  XXXX XXXX XXXX was listed as a creditor on the bankruptcy. However, XXXX continue to report negatively during the bankruptcy proceedings. On XX/XX/XXXX, the Chapter XXXX bankruptcy was discharged without contest from creditors. I have consistently contacted XXXX, XXXX, and Experian, plus XXXX, disputing the the discharged debt. Experian dispute came back as the debt will remain, XXXX  continues report the debt, XXXX continues to report the debt negatively on my report knowing the debt has been discharged. I have reached out to the Vice President, XXXX XXXX, of XXXX to inform her of the bankruptcy discharged and presented all court documents. Her response was that XXXX lawyers informed her that the debt was not discharged which the evidenced shows the creditor is listed and the debt is discharged on page 3 of 5 of creditor report listing XXXX discharged on XX/XX/XXXX. I feel that I have exhausted all efforts with the creditor. As I read the reviews of other patrons of this finance company, they have shared the same experiences with this company. I have attached copies of the bankruptcy discharge report, trustee notes, creditor report.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of certain accounts from my credit report. After a careful review, I believe the information related to the following accounts is inaccurate : Accounts are paid in full. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX original Creditor ) # XXXX Date XX/XX/2023 Enclosed are supporting documents received from the company for your review. I request a prompt investigation, verification, and update of my credit report in accordance with the Fair Credit Reporting Act. 

Thank you for your attention to this matter.