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

The following is the information regarding specific incorrect reporting on my credit report that I sent to each credit bureau. 

Dispute sent to XXXX XXXX Consumer Disclosure Center : 1. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

2. XXXXXXXX XXXX XXXX XXXXXXXX - Late payment history listed for 3 months : XXXX, XXXX, XXXX, all of XXXX. 
This is incorrect. Please remove it from my credit report. 

3. Hard Inquiry - XXXX XXXX XXXX Date of Inquiry : XXXX. XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 

4. Hard Inquiry - XXXX XXXX Date of Inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

5. Hard Inquiry - XXXX XXXX XXXX Date of inquiry : XXXX XXXX, XXXX This inquiry was not authorized. Please remove it from my credit report. 
_______________________________ Dispute sent to Equifax Disclosure Department : 1. Names Reported : HASSAYOU is what is listed and is the incorrect spelling of my first name. The correct spelling of my first name is XXXX. Please remove the incorrect name from my credit report and replace it with the correctly spelt name. 

2. XXXX XXXX XXXX XXXX, MA XXXX is an old address that I no longer live at. My ONLY correct and current address is XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Please remove it from my credit report. 

3. 4 Late or Missed Payments Listed On Account - XXXX XXXX XXXX Months listed of claimed missed payment : XXXX, XXXX, XXXX, and XXXX all in the year XXXX. Please remove it from my credit report. 

4. Hard Inquiry - XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please remove it from my credit report. 

It has been over 30 days, and I have not heard back from either credit bureau. The items have not been removed from my credit report yet either.
Product: Debt collection

On XX/XX/20 I received a letter stating that Nationwide was gon na debit my bank account {$450.00} on XX/XX/20 I immediately contacted them spoke to a rep and instructed them that this payment was not authorized and should not be debited the rep assured me it wouldn't be processed On XX/XX/20 the payment was processed and taken from my acct I phoned them and they told me to contact my bank to reverse charges I spoke with my bank and filed the dispute and signed the affidavit after waiting several weeks I received a letter from my bank telling me there investigation was closed and they found no issues and if I wanted I could open another claim so I did I need something done to make this right The company the dispute with is Nationwide CAC LLC XXXX XXXX XXXX XXXX # XXXX XXXX Il XXXX XXXX Thank you XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was attending an amusement park, and my wallet went missing. I informed the authorities, and a report was made in case it could be recovered. I recently obtained a copy of my credit report and notice an account that I have no affiliation or knowledge of. I reached out to this company to gain more information and have requested verification without a response. This account being furnished to my profile is in violation of 15 USC 1681. Not only should an account not be furnished without my permission, but also should not be furnished due to identity theft. Furnishing these accounts are not only violating my rights but affecting my ability to obtain credit. I have no idea what MED DATA SYS company is nor have I ever had an account with this company update** I reached out to MED DATA SYS, it was stated that this company could not locate an account for me but they're still reporting on my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business. This inquiry is scheduled to continue on record until XX/XX/XXXX. 


this was an unauthorized inquiry On XXXX and transunion and XXXX but, when I check my credit score though XXXX ( Capitalone card ) It shows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Who in the XXXX knows why the same bureau reports differently I called the number at Small Business, the receptionist said they had hundreds of complaints and transferred to a line where it said the wait was over 2 hours, I was 109 in line. 

These credit bureaus need to be doing a better job. Now I have a credit alert for their failure and XXXX around with credit freeze
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill it legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as, failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. these failures align with my experience, where Experian has neither corrected or removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights s a consumer.
Product: Debt collection

Was contacted by PYOD Earlier this month about a collection that was not mine. I told them it doesnt belong to me. Now its on my credit report. I called XXXX and tried to Dispute it.
Product: Credit reporting or other personal consumer reports

My consumer credit account was give credit limit of {$9800.00} by XXXX XXXX XXXX XXXX. at the end of the year a proper filing of my 1099-C was sent to the I.R.S and recorded. The account number for the banks administration is on the 1099C. However, they are still claiming I owe a debt to them. I have requested several time to assess the discharge delivered by the IRS administrative department. If I got my copy they certainly received theirs because the IRS does not make mistakes. Discharge of debt attached. 

Let us be clear on the establishment of these credit accounts : XXXX XXXX XXXX - Rules concerning extensions of credit. 

XXXX XXXX. XXXX- Powers and duties of banks or FI 's, on borrowing. 

XXXX XXXX XXXX - Truth In Lending Act XXXX XXXX XXXX Remittance XXXX XXXX XXXX - Criminal Procedure - Obligations on coupons for exchange dollar for dollar. 

This has also hindered my life liberty, and pursuit of happiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX entered into forbearance plan with XXXX XXXX XXXX XXXX  thru XXXX so 180 days prior to this date i should not have any late payments per the forbearance plan. 

XX/XX/XXXX wire transferred {$2800.00} XXXX XXXX XXXX sent us the wrong wire instructions and lost the money and took 12 months to finally locate the funds and credit our account. So anything after XX/XX/XXXX should not be late payments. We called numerous times to get this resolved. Spoke with XXXX XXXX during this entire year
Product: Credit card

I am a victim of id theft and it has been an on going issues for me verifying accounts reporting on my credit some of which are unknown to me, I request that you please forward all information pertaining to the opening of this account opened without my authorization.
Product: Mortgage

My home insurance is supposed to be paid by the escrow account. I have made payments on time and the account has adequate funds for this. However, the company did not make payment in time. I have until the XXXX  or my policy will be cancelled. 

I contacted the company via email but they have taken days to response. The phone line is always busy and I was not able to get on the phone with anyone regarding this. It appears they are evading the issue. I have asked them to contact me instead.
Product: Credit reporting or other personal consumer reports

On XXXX and XX/XX/2024, I requested mailed correspondence regarding the removal of the collection account for XXXX XXXX XXXX, and I also sent a letter on several occasions, verifying my full name address and requested that any other information that is posted that is NOT my current information be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV continues to report inaccurate information. I was not notified prior to credit agency reporting by LVNV. The information being reported has inaccurate Dates, and inconsistencies across reporting agencies. I have attached proof of inaccuracies based on my XXXX credit report.
Product: Debt collection

A property I owned was sold using eminent domain. The sales contract was put in on XX/XX/XXXX. The entire process was handled through court. During these proceedings the owner ( XXXX XXXX XXXX XXXX XXXX ) of the mortgage was identified on XX/XX/XXXX and the total amount due was determined ( {$49000.00} ). On XX/XX/XXXXthose funds were distributed through the court to the XXXX XXXX XXXX XXXX XXXX.

I continued to receive statements from Real Time Resolutions and they continue to report negatively to the credit report agencies. Real Time Resolutions ( a third party debt collector ) stated I still had a balance of approximately {$32000.00} and increasing, currently {$33000.00}. In XX/XX/XXXX, I called Real Time Resolutions to dispute the account stating that the account had in fact been paid in full. On XX/XX/XXXX. I received a letter stating they received a payment in XX/XX/XXXX but that a balance was still due. I disputed a second time and received a letter stating there would not being any further investigation as it was already investigated.

I have since found court documents confirming my claim and submitted those to the credit agencies and Real Time Resolutions. It has since been removed from XXXX, however it is still being reported to XXXX and it is affecting my ability to secure a home loan I am set to close on in the upcoming weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus and to WELLS FARGO BANK for the account number XXXX and notify them of their error posting for this account on my credit report. It does not complement what the Credit bureaus may claim as a " validated as accurate ''., and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the method of verification, actual proof, physical first hand documentation of the payment history and proof of last payment but I did not receive what I asked for and these violations persist on my credit report. I just had to escalate to CFPB.
Product: Money transfer, virtual currency, or money service

In 2021 I became a crypto.com customer & opted for the XXXX XXXX XXXX They were supposed to keep spotify free for members after 1 year but renegged on the agreement. I am filing this complaint because of that reason. I was also reimbursed only two out of three times for this " membership ''
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 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 reporting, credit repair services, or other personal consumer reports

This account is on my report and it does not belong to me it was opened fraudulently in my name. 

XXXX XXXX  XXXX XX/XX/13 XXXX
Product: Debt collection

Correspondence was sent to NACS on  XXXX / XXXX /   2016 inquiring about a {$300.00} medical debt reported to  XXXX ,  XXXX  &  XXXX .  I requested information regarding the medical provider/facility to which I allegedly owe the debt and a detailed breakdown of the fees that I owe.   As of today, I 'm still waiting on a response.   I believe that this debt is not mine and the fact that NACS has never provided any verification of debt, further proves this for me.
Product: Checking or savings account

M y. account was closed due to fraud. I had tried to get a loan from a company that turned out to be fake. I they were refunding me item on my account but did it in a way I didn't know that was what they was doing til it was to late. Had me get gift cards and everything. I told the back what happened and they said do a police report so I did and they still charge back on me and closed my account. I had my husband on the account also but now they want let him just get account by himself. I was the one scammed how do I fix it so he can at least get an account back. It was Bank of America happen in 2019 My name is XXXX XXXX XXXX XXXX name XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Yesterday XX/XX/2022 they wired the money from my savings account XXXX XXXX The money were gone to the XXXX XXXXXXXX XXXX and their name is XXXX XXXX XXXX. My bank is USAA. 
I have contacted my bank already
Product: Credit reporting or other personal consumer reports

XXXX XXXX, a company that I have not been knowingly or willingly affiliated with, has purchased my private information from two separate companies, to my knowledge. The separation of those 2 companies may be debatable as their accounting appears strikingly similar. Please review both correspondences from XXXXXXXX XXXX XXXX  and Prosper Card. 

XXXX XXXX has infringed on my right to privacy in combination with the above names companies. 

In response to XXXX XXXX : I agree to pay any financial obligation which I might lawfully owe, ON THE CONDITION that you provide : 1. Validation of the debt ; this is, the actual accounting.

2. Verification of your claim against me ; that is, a signed invoice ( not a statement ) 3. A copy of the Contract binding both parties ( you and I ), in a letter by certified mail so that there is an independent witness to it having been delivered. 

A lawful binding contract consist of : 1. Full disclosure 2. Equal consideration 3. Lawful terms and conditions 4. The wet ink signature of both parties.
Product: Checking or savings account

Every time I post a higher check to my account, I get nasty emails, that there is a hold on my check. This is an official XXXX check just received XXXX detached the check and handed it over to the clerk. This is unbelievable and the email I got from BFA is full of lies. The do NOT have any info that the check will be returned. And they use the word " may ''. This is all a lie to stall.

I want to get reimbursed for holding my money. And I will start a legal process. This is unbelievable customer service. BFA keeps fake accounts without validating, and they keep my money. I need meds .. and I need this money for that. If something happens to me I will get them to court. 

We placed a hold on a check you deposited at a financial center. 
The full amount isn't available yet. 
PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Total deposit {$4700.00} Total amount on hold {$4700.00} Date of deposit XX/XX/year> Hold notice We've placed a hold on XXXX or more checks to help verify funds. Review the availability information and hold reason for details. 
XXXX XX/XX/year> at XXXX a.m local time {$4700.00} We've placed a hold on your deposit because we have information indicating the check ( XXXX ) XXXX be returned.
Product: Credit reporting or other personal consumer reports

I want to make a formal complaint regarding the inaccurate credit information you have reported. I am extremely distressed that these inaccuracies have been included in my credit profile The Fair Credit Reporting Act Public Law 91-506, Title VI, Section 611 Subsection AD, and under FCRA and TILA. Without written agreements, I question the validity of any liability as a victim of identity theft. 
Credit reporting laws require that all reported information be 100 % accurate. Therefore, every measure must be taken to ensure the reported information is correct. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention some discrepancies in my credit report that I believe may be inaccurate or misplaced. I am respectfully disputing these claims and kindly requesting that any negative information be removed from my report. I understand that it is crucial for credit reporting agencies to adhere to mandatory reporting standards, and I am confident that you will work towards this goal. I request that you provide me with the physical proof to back up any allegations made against me, and that you comply with the reporting requirements set out in 15 U.S.C 1681e and 12 CFR Part 1022 ( Regulation V ). I am aware that any inaccuracies or deviations from these standards can have significant implications for both federally regulated reports and Metro 2 compliance standards. Therefore, I urge you to investigate the validity of the inaccurate items in my report and either replace them with accurate ones or delete them altogether. I understand that mistakes can happen, but I trust that you will conduct reasonable investigations of consumer disputes and ensure that the information in my credit report is both accurate and complete. I kindly ask that my rights are protected and that you comply with the highest standards of certified reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  - {$19000.00} XXXX XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX  - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} XXXX | XXXX - {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has violated my federally protected rights under the FCRA. I have called multiple times and sent correspondence trying to get the method of verification of the following accounts on attachment letter and they failed to provide it by mail as stated. The FCRA gives me the right to request the method of verification to ensure my consumer report is equitable and fair to me.
Product: Debt collection

XXXX XXXX XXXX XXXX and PayPal is stalking me with many calls and letters and resisting to claim their malpractice to collect the charges that Im a victim of fraud scammed group of peoples that cant even find their identity by now. I recalled that night when I was scammed, I told my bank to block them from stolen several charging like a XXXX $ $ amounts of money from same agent without my consent. The scammers said its XXXX XXXX but they kept changing their phone and name. I told PayPal to investigate and send them many claimed details but PayPal refused to listen any of my evidence and stories. This is very financial harassment. And abused. I will do anything in my best to fight against this unfair and unlawful act of debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Double charged from moneygram when XXXX transaction was canceled beforehand. 
{$1500.00} canceled but moneygram still process {$1500.00} correct Therefore XXXX transactions went through to bank
Product: Credit reporting or other personal consumer reports

There is an address on my credit profile which is not mine and not valid. That address is XXXX XXXX XXXX, XXXXXXXX XXXX XXXX
Product: Mortgage

Stearns Lending from XXXX XXXXXXXX, VA sent me a Notice of Servicing Transfer. In that letter it stated that payments could be made to Stearns until XX/XX/2019. On XX/XX/XXXX I made my normal payment to XXXX online. In their confirmation email, it stated that if it was submitted before 10 pm EST it would be posted that day ( my submission was at 1:27 pm EST ). After about 11 days had passed, I noticed the amount had never been deducted from my account. I replied to their payment confirmation email and received an auto-generated response with a reference/ticket number ( XXXX ). The following morning I called their customer service phone number to check on the status of the ticket. I was informed that they cancelled my online payment because they no longer service my loan. They never informed me of the payment cancellation. 

These are unacceptable business practices. First of all, if a company says they can accept payments through a certain date, they need to honor that commitment. Secondly, if they cancel a payment a customer has made, it is imperative that they let the customer know. 

Finally, my new mortgage company, XXXX XXXX   XXXX from XXXX, IL has not been much better at this point. They did not contact me at all. I had to call them to get my new loan number. 

I am afraid that the business of buying and reselling mortgages has gotten to the point that the consumer is at the bottom of any consideration or sense of responsibility, or moral obligation, by the mortgage companies. Maybe it is time for some house cleaning and harsh fines levied against companies that fail to take into consideration the rights of consumers. 

[ Note : I have not included any documents, but if needed I can supply the Notice of Servicing Transfer, the email confirmation of my payment, and the email auto-replies with the ticket/reference numbers. ]
Product: Credit card or prepaid card

On the XX/XX/23 I sent a request for the balance on the account, per the instruction of capital one. I instructed them the deduct the Past due amount from the Balance : {$630.00}. This is in accordance with 12 CFR 1026.21 Treatment of credit balances - as a consumer I am acting in a compliance with the Truth and Lending Act.

I have attached the letter I sent them. PER the law, it should have taken 3 days to fulfill this request.