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

I am writing to file a formal complaint regarding a debt that was sold and should no longer be reporting on my credit report. The debt in question was sold to a third-party collection agency but is still being reported by the original creditor, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Identity Theft and Data Breach Impact I am a victim of identity theft as a result of a data breach. I have contacted the Federal Trade Commission ( FTC ) and filed a report, which is attached for your reference ( FTC Report Number : ) This breach has compromised my Social Security number and resulted in unauthorized accounts being placed on my credit report
Product: Credit reporting or other personal consumer reports

I have asked that the following collections agencies stop reporting to my credit report on XXXX, Equifax and XXXX under derogatory marks on my credit. I have asked them to validate my debt and they have not been able to provide any information that I owe this debt to them. 

XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX balance {$1300.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
balance {$1200.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  balance {$1400.00} XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX  balance {$1900.00} XXXX XXXX  Original creditor : XXXX XXXX balance {$1400.00} XXXXXXXX XXXX  Original creditor : XXXX XXXX XXXXXXXX XXXX balance {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 called these companies to resolve the matter even disputed the claims, but was still left to face discriminatory actions do to misuse of information, I even opted out of my personal info being reported and still have face negligence.
Product: Credit card

I 've had this Bank of America credit card since XXXX. This is the ONLY card that my wife and I have that does not have the ability to setup payments online to pay the minimum payment each month automatically. Instead, it requires that you declare a payment amount to make automatically each month. Since we did n't use this card often, years ago, I set it to pay {$50.00} per month believing that it would easily cover the minimum payment and then some if we did decide to use it. For literally years that assumption held true. This XXXX, purchases were made that resulted in the minimum payment being greater than the {$50.00} that was setup previously. As soon as I realized the problem, unfortunately in XXXX of XXXX, I payed the overdue balance, and contacted Bank of America to attempt to have my credit report corrected based on several limitations on their part : First, we NEVER received supplementary contact to indicate a problem. It is true that I did sign up of paperless statements in XXXX, and I routinely do not check those statements because I rarely use the card. If there were a problem, I had expected Bank of America, like ALL of my other creditors do, to attempt to contact me to indicate such. NO phone calls or letters were received to indicate a problem with the account. 
Second, this is the ONLY account that we have that does not have an option to pay the minimum payment each month on their online bill payment system. Coupled with a lack of communication from the Bank, it would seem to me that this situation was engineered to make money for the Bank through the generation of late payment and over limit fees. 
I submitted requests to Bank of America several weeks ago to make the requested adjustments to my credit report given my exemplary history with them spanning a decade, the above described limitations, and my immediate payment to bring the account current on the day that the problem was finally brought to my attention. When I called today to follow up on the issue, I was notified that my request was denied. I asked them to reconsider my request, and to escalate my request beyond the department that had made the decision to deny my request and was told that was not possible. At that point I cancelled my account with Bank of America and notified them at the same time that I would be making a formal complaint with the appropriate consumer protection agencies.
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 proce 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 15 ( 0 ) financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX I started running into some financial trouble. After the recession hit, I tried working with XXXX XXXX to reduce the interest rate on my mortgage, which was currently 12+ %, to help reduce the payment. I had requested a reduction to half, even though at the time, the current interest rates were between 2 to 3 %. When that did not work, in XX/XX/XXXX, I tried to short sale the home, but XXXX XXXX was unwilling to work with me regarding that also. Several different departments at XXXX XXXX suggested I dont pay and fall behind a couple of months then they would be more likely to work with me to help reduce my mortgage payment. That turned out to be a total lie and after a couple months I started receiving letters threatening foreclose and advising me to vacate the home I have lived in for 17 years. In XX/XX/XXXX the company that was trying to help with the short sale contacted me and informed me that XXXX XXXX had filed a Notice of Default and had begun the foreclosure process. During that time, I had never even missed payment. Not realizing that these were lies, I moved from my home. I filed a Chapter XXXX bankruptcy XX/XX/XXXX. At the time of the filing, my house was surrendered to XXXX XXXX. I made every payment to the Trustee on time for 4 years and my bankruptcy was discharged in good standing on XX/XX/XXXX. After waiting the necessary time to pass after a bankruptcy I recently started looking for a new home. I was surprised to find out, that XXXX XXXX did not foreclose on my home until XX/XX/XXXX, 10 months after my bankruptcy was discharged. Please keep in mind that XXXX XXXX new quite well that they had ownership of the house because they provided yard care ( both summer and winter ) the entire 5 years it sat vacant. It was also brought to my attention that 4 months after the discharge of my bankruptcy they sold the servicing of the loan to another company. I quit receiving any type of notification from XXXX XXXX shortly after I filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account ( XXXX XXXX ) XXXX times with Equifax! Each time they sent me a letter stating it was Verified with No Proof. The last time I disputed with you ( cfpb ) I still received a notice stating Verified. This is a violation of my rights in so many ways! Equifax must abide by these Laws 15 US Code 1681i ( 7 ), 15 US Code i ( 6 ), and 15 US Code 1681 a ( 3 ) ( a ) ( b ) ( c ) No medical information should be published! And 15 USC 1681 b ( a ). ( 2j permission law!
Product: Credit card

I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} on my Bank of America business card, this is one of the charges that I would like your help to dispute. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00} on the same card this is the other charge I would like to dispute, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra $ XXXX.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of XXXX, every time they would call me they would ask for more money, stating in order to my business succeed you need this extra service, and I got nothing other than credit card debts, and I need your help to try to recover my money.
Product: Debt collection

An account that was in collections with a company called Enhanced Recovery Company for an old cell phone through XXXX was re-aged on my credit report. I contacted ERC and they investigated the dates and basically they decided to remove the account from my credit report. Last week I get and alert on my credit monitoring that a new collection account has been listed on my credit report and the same account from XXXX is now listed by a company called XXXX XXXX XXXX and they have a date or account being opened as XX/XX/2017. I attempted to contact XXXX by phone and by email all last week. I never got a reply of any kind back from them. This account was supposed to be permanently removed from my credit report by ERC and it seems they not only re-added the account they sold it to another company and that company re-aged it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

Tried multiple times to call Mohela about my loan and no reply from a human.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the inaccuracies on my credit report, specifically the disputed accounts that have not been corrected despite my repeated efforts to bring them to your attention. I have submitted multiple requests for a thorough investigation into these errors, but I have yet to receive any resolution or corrective action. 

The presence of these erroneous accounts has caused significant damage to my credit file, adversely impacting my ability to manage my finances and creating unnecessary hardships in my personal and professional life. These inaccuracies are not only misleading but also unfairly impairing my creditworthiness. 

I kindly urge you to conduct an immediate and thorough investigation into each of the disputed accounts and take all necessary steps to ensure that my credit report is corrected. It is critical that these errors are addressed promptly to restore the accuracy and integrity of my credit profile. 

I sincerely hope you will prioritize this matter and take swift action to resolve it. I trust that your cooperation and support will help me regain control over my financial well-being. 

Thank you for your prompt attention to this matter. I look forward to your response and a resolution at the earliest possible date.
Product: Checking or savings account

This is my XXXX  contact with you to resolve your egregious error. Attached please find the XXXX XXXX form you mailed to me. In my XXXX prior phone calls your staff have acknowledged the following errors made by the bank but told me there is nothing they can do. 

Serious Flaws and Errors already admitted to and acknowledged by Wells Fargo XXXX. The Account number on the form # ... does not exist in the Wells Fargo system XXXX. That I am the recipient of this XXXX form XXXX but that I have not had any accounts at Wells Fargo for over a decade. The last account closed in XXXX. 

Wells Fargo further was unable to produce any evidence of payment of Interest Income {$900.00} as stated on the form. 

For the sake of argument and to drive home the sheer stupidity of your actions let 's assume your form and its information is correct. That means based on the average interest rate you are currently offering on your array of XXXX  you are holding approximately {$35000.00} of my money. I demand you close my imaginary account immediately and write me a check for the full amount of my funds on deposit with you. 

But since there is no such account or funds to pay to me. I demand you rescind this form and immediately inform the IRS of your incompetence. It would also be nice to receive an apology for all the time I have had to waste trying to correct your failure. 


XXXX XXXX former customer, who will share this experience with everyone
Product: Credit reporting or other personal consumer reports

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the XXXX Bureaus, XXXX, XXXX, and Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts on my Report that i do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and correct the following information in my file.The items I need deleted are listed in the report. This isn't the first time I reached out pertaining to these fraudulent accounts. I have been a victim of identity theft and did not make the charge or benefit from these fraudulent accounts at all. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. 
Based on, XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, no later than XXXX business days after the date of receipt. 
These accounts should not be furnished on my consumer report as they are in XXXX!!! Under, XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates.
Product: Credit reporting or other personal consumer reports

Fair Resolution : 1. Correction of Reported Information : The account with XXXX ( Account Number : XXXX ) shows a charged off as bad debt status from XX/XX/year>, with a balance of {$0.00} at that time. I request that the balance and status be reviewed and verified to ensure that all information is correctly reported. Specifically, the final balance at the time of charge-off and whether it has been settled or paid off should be accurately reflected.

2. Verification of Charge-Off and Transfer : The account was marked as charged off in XX/XX/year> and reported as purchased by another lender. I request confirmation that the charge-off was valid and that the account transfer to a new lender was appropriately documented. If there are any discrepancies in the amount charged off or the account balance, they should be updated accordingly.

3. Update to Paid/Settled Status ( if applicable ) : If the charge-off amount has been settled or paid off, I request that the account be updated to reflect that it was paid in full or settled. This should be reflected in the credit report as either paid off or settled for less than owed, whichever is applicable.

4. Removal of Negative Impact ( if applicable ) : If the account contains any inaccuracies, such as incorrect charge-o
ff dates, amounts, or status, I request that these inaccuracies be corrected or removed from my TransUnion Credit Report . If the charge-off status is incorrect or the account was inaccurately reported, I request that it be updated to show the correct standing.

5. Updated Credit Report : Once the necessary corrections have been made, I request that TransUnion provide me with an updated credit report reflecting the correct status and balance of the XXXX account. This updated report should accurately show the current state of the account, including whether it was settled, paid off, or remains a charge-off. 
6. Written Confirmation : I request written confirmation from both XXXX and TransUnion once the corrections have been made. The confirmation should include a detailed explanation of the changes and a copy of the updated credit report. 
7. Compensation for Damages ( if applicable ) : If this charge-off or any inaccuracies have caused damage to my credit score, denied credit, or unfavorable terms, I request compensation for any damages resulting from the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting The XXXX XXXX in amount of {$500.00} ; this appears to be a duplicate account which Midland Credit Management is also attempting to collect.
Product: Debt collection

Kirschenbaum & phillips had sent me a letter stating a lawsuit has been filed against me. I never received any summons notice as stated in this letter about this lawsuit that was filed on XX/XX/XXXX and the letter was dated XX/XX/XXXX. I have also received harrassment calls from this law firm multiple times a day but never left me voicemails. They would call me XXXX minutes apart starting on XX/XX/XXXX. It claims the plaintiff is XXXX XXXX XXXX, there is no supporting documents/proper validation showing proof of the debt and who the original creditor was.
Product: Credit reporting or other personal consumer reports

I recently noticed on my experien credit report an account, XXXX XXXX with account # XXXX with a balance of {$7600.00} with written off, charged off. I do not have a XXXX  XXXX card. This account was bought by XXXX XXXX from XXXXXXXX XXXX  which I did have an account with. That account was paid in a settlement, for less then owed with XXXX XXXX prior to XXXX buying the account. The account was marked paid, settled for less than owed. Was marked paid, closed, satisfied in settlement for Less then owed. Now another bank took over all accounts from XXXX XXXX  and is attempting to collect again on an account that was settled prior. I request this account be removed from my experien credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

sent validation letters and called all credit bureau for them to investigate, also contact this alleged junk debt collector by phone to self investigate and they threaten me if i dont pay, the guy would not answer any of my questions instead transferred me to a non working line. letter sent to credit bureau listed below ... and behind the letter is the companies information which has no account number etc., Collection company : XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent accounts XXXX # XXXX, XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy In accordance with the Fair Credit Reporting act Convergent account # 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 an account without my written instructions 15 U.S.C 1681 Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting section ( 4 ) : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) In General : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. XXXX XXXX continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called XXXX XXXX, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at XXXX XXXX and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at XXXX XXXX responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.