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

This is to file a complaint against Equifax credit reporting company regarding their unprofessionalism, inaccuracy of report, and delay in their response to fix the problem. I recently reviewed my credit reports and realized that there was mixed personal information and accounts ; all of my sister 's information including her SSN, previous addresses, and accounts were listed on my credit reports. Due to time pressure ( as I was in the middle of obtaining bank loan for a large purchase ), I attempted multiple times to solve the issue as soon as possible. I tried filing the dispute through online and was not able to. I also made multiple phone calls on XX/XX/XXXX and was told that their systems were down. When I made another attempt on XX/XX/XXXX, I not only had to make more than 10 phone calls to get to the right department ( mixed information department ) but also had to spend more than 5 hours without resolution of the problem. For the first few calls to the dispute department, I was asked to call back each time after 30 mins because their system is down. Finally, one of the representative told me that regular dispute department doesn't handle this type of dispute and he transferred me to the mixed information department. When direct number was asked, he refused to provide the direct number of the mixed information department. I was finally able to speak to an agent name XXXX who asked me to call back in an hour because their system was down. About an hour later, I called back to the regular dispute department and was told to call back again because their system is down. I had to insist to be transferred to the mixed information department and was able to get to the department. Unfortunately, I was denied to pursue further action because I failed on identification confirmation. I strongly believe this is due to mixed information listed on my credit report. The representative ( XXXX ) from the mixed information department told me that he can not help me until further identification information is faxed to them. Despite explaining the urgency and importance of correcting the information, he laughed and said " you don't have to do anything and you can send it later ''. Given the frustration and the time I had to spent to go through the hoops, I asked to speak to supervisor. Instead of transferring me to his direct supervisor, he transferred me to a supervisor from regular dispute department ( XXXX ) who confirmed that he doesn't deal the staff from the mixed information department. I asked XXXX to transfer me to his supervisor, I was placed on hold for more than a hour and was not able to speak to anyone. This experience is quite contrary to the experience I had with experian and transunion. I had the same issue with the experian and the XXXX and was able to take care of the same problem within 30 minutes of conversation.
Product: Debt collection

Credit report and furniture and a store is in my social .i do not know about
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 proces 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 from ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act + ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Companies listed below did not obtain my written consent to publish any inquiry details on my credit report. 

XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX
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 ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) require the Equifax and XXXX credit bureau to validate this inquiries ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not permissible to fail to validate these reporting inquiries as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete. Please remove the following inquiries : XXXX Inquired on XX/XX/XXXX, XXXX  Inquired XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX, XXXX  XXXX on XX/XX/XXXX, XXXX XXXX XXXX  XXXX on XX/XX/XXXX, XXXX XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XX/XX/XXXX
Product: Debt collection

These accounts are incorrectly being reported and I demand that they be removed from my credit report or updated to reflect a balance of { {$0.00} }. I have reached out to the creditors regarding the validity of these debts, but they have not provided any proof of the charge off. While I am looking over my credit report, I have noticed that these accounts are not being reported accurately, and I believe that they are inaccurate, erroneous, incomplete, or unverifiable. The accounts in question are : XXXX XXXX  XXXX. It is worth noting that other bureaus have already removed these accounts from their records after I disputed them. There was an error present, and they were able to find it. I am confused by the fact that you have verified these accounts while the other bureaus have already removed them from their records. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Product: Credit reporting or other personal consumer reports

I have filed a FTC report that includes all unauthorized inquiries that are not mine.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

unauthorized ; inaccurate information ; inquiries and collection INQUIRIESXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

there is a loan from XXXX XXXX in the amount of XXXX dollars that has been charged off and a charge off is considered a certificate of indebtness which is considered income which is XXXX and must be removed. this is being reported by EQUIFAX. Also there is an auto loan that has been reporting transaction history which the law says is XXXX to report transaction history.
Product: Money transfer, virtual currency, or money service

I got a dispute on paypal ( case ID : XXXX ) currently on right now and its for a {$200.00} laptop that is inaccurately described and non-functional and comes w/o a charger ( which I had bought 3 chargers already and none worked ). Paypal wants me to ship this laptop back which would cost me out of pocket {$100.00}, that means in the end I won't get all of my money back, just under half! It wasn't my fault that the seller didn't describe the item as accurately as possible, I was expecting a fully working laptop and what I got is practically a huge paperweight. 

I am willing to ship the item back in the expense of the seller, not mine. if the seller gives me a return shipping, cool I'll send it out the door as soon as possible. other than that I will not spend another dime on this laptop. 

Why is the buyer practically being punished for something the seller failed to disclose. The seller should be the one taking the hit on this case but instead I am losing my money while the seller laughs as I have a miserable time trying to deal with this. 

I never thought this is how paypal 's " buyer protection program '' works. It's so ridiculous.
Product: Credit reporting or other personal consumer reports

Company stated in writing last 30 days they will stop communication and reporting too the credit bureau is a form of communication
Product: Debt collection

On Friday XXXX XXXX I received a call from 1st Franklin Financial after several calls made to family members regarding my debt. After speaking to XXXX regarding debt owed and explaining to her the reason I was being on payments with my loan was because I was previously out of work and I just returned back to work as a XXXX XXXX not making the money I was previously making due to covid! XXXX im just returning back to work. I called before the account fell behind to make arrangements to make some kind of payments and XXXX informed me that there was no work out plan available at that time. After speaking to my Brother he told me that They called him and wanted me to give them a call regarding the account and they was trying to work something out with me, only after answering a call from 1st Frankling speaking to XXXX XXXX, she informed me that the Sheriff was serving me with a law suit and that 1st Franklin would be placing a lien on even my cars if I didn't pay something, I stressed that I have no money and she informed me that my credit would be ruined and I would not have anything after they placed liens on everything I owned. I stated ive already lost everything and I stated to her I was terminating the calls due to the threats made with me not paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

A few times i tried to go to my bank and start a credit card but they told me no on Several occasions because there were too many attempts on my Social Security card so they said I couldnt make an account because someone is attempting to use my Social Security number
Product: Debt collection

This is unknown, I have never been contacted or given any information. I do not owe any medical debt. This is wrong
Product: Credit reporting or other personal consumer reports

EQUIFAX BLOCKED MY CREDIT REPORT AND REQUESTED PERSONAL INFORMATION THAT I PROVIDED TO RESOLVE ISSUE. 
IT GIVE ME EQUIFAX ERROR CODE BLNK THAT NEEDS TO BE FIXED.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit reports, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor 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 as a consumer.
Product: Credit card

The company had a data breech in XXXX  and were suppose to send out emails or mail letters stating there was a class action lawsuit yet they never reached out to me. Ive been a loyal member for a few years now. They should have reached out to me. I am now hearing about this which isnt fair. They did not reach out to every customer only a hand full.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity theft please see attached documents
Product: Debt collection

I sent a letter to National Recovery Agency in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.
Product: Debt collection

After looking over my credit reports. I noticed there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). the following accounts are listed below : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX , DEPT OF ED/XXXX # XXXX, DEPT OF ED/XXXX # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Information Due to Data Breach Dear XXXX, I am writing to formally dispute certain information on my credit report due to a potential impact from the data breach that occurred in XXXX. I believe that my personal information, including but not limited to my Social Security number, date of birth, and financial data, may have been compromised during this breach. The following accounts are a result of my information being impacted : XXXX XXXX : XXXXXXXX XXXX XXXXXXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My Details : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Social Security Number ( if relevant ) : XXXX Address : XXXX XXXX XXXX XXXX NJ XXXX XXXX request that XXXX thoroughly investigate any discrepancies or fraudulent activity on my credit report that may have resulted from this breach. Please include a detailed explanation of any inquiries or accounts that were opened using my information without my authorization. 

Additionally, I ask that you provide me with the following : A copy of my credit report showing any inaccurate or potentially fraudulent entries related to the data breach. 
A description of the actions XXXX has taken to prevent future incidents of identity theft or fraudulent use of my personal data. 
Confirmation that my personal data has been protected and steps taken to ensure that no further damage occurs. 
In accordance with the Fair Credit Reporting Act ( FCRA ), I request that XXXX complete its investigation and provide me with a resolution within 30 days from the receipt of this letter. Please send all correspondence to the address listed above, or feel free to contact me via phone or email if further information is required. 

Thank you for your attention to this matter. I look forward to receiving your prompt response. 

Sincerely, XXXX XXXX
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. Futhermore, 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 readdress for these violations
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I discovered accounts reporting on my credit reports that I never opened. I do not recognize any of the account information. And I never engaged in any business with the companies named on the accounts. The credit reporting agencies, XXXX XXXX, Experian, and XXXX have a duty to ensure that they are reporting fair and accurate information but they have failed to do so. How can a credit reporting agency be handling private financial information and make a mistake like this? Since then my credit standing and reputation is being damaged more and more daily. I am seeking redress and equitable relief for the fraudulent account information to be deleted from my credit report within 4 days from the receipt of my notice of dispute. The fraudulent accounts are : XXXX XXXX, Account # XXXX, XXXX XXXX, Account # XXXX, XXXX XXXX XXXX, Account # XXXX, and XXXX XXXX XXXX XXXX XXXX, Account # XXXX. I have attached my appropriate identification, proof of my real address, an identity theft notice, and an identity theft report through the Federal Trade Commission.
Product: Debt collection

Sirs, this complaint is in accordance with your decision on XX/XX/XXXX-Court action taken against XXXX XXXX XXXX for selling bad debt ( CC debt ), about their engaging in unfair, deceptive, abusive acts and robo-signed affidavits to get a Judgement against consumers.. The exact scenario happened to me with XXXX.. on XX/XX/XXXX. first correspondence and ending XX/XX/XXXX, final judgment for Plantiff. The debt buyer ( Attorney ) claims he is representing XXXX, when in fact, they have : # 1 - Lack of standing, the Chain of Custody has been broken, Florida law in assignment by the XXXX, XXXX assisted third party debt buyers in deceptively collecting debts. This was a written off account refunded back to XXXX either by insurance or the XXXX & deemed uncollectable. # 2. A robo-signed affidavit to sue me for unverified debts, .Their refusal of providing production, documents & proof of the custodians mire existence were met with denials, as my rights in the matter were unfair & illegal. I had prepared & studied this case before its hearing, and properly presented evidence. All of my suspicions have been proved by your decision and I thank you for invoking consumers rights
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid XXXX to dispute the hard inquiries attached to my credit profile because it was incorrect. They stalled me out an then closed my case after I was billed, then they tried to bill me for something totally different an more expensive than my previous amount, which is wrong for a person like myself who was impacted hard by Covid-19. Me and my daughter were victims an quarantined for over a month before we regained our previous lifes back. I took it upon myself to contact XXXX for the same reasons an with there help they removed all the negative inquiries due to my complaint of inaccurate pulls of my credit an my Name was also apart of the Data breach that happened as well so they gave me full attention an complete transparency about fixing the problem because I was wronged.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request for you to remove inaccurate information in my report due to identity theft. My information had been breach in recent and pass data breaches, accounts, inquiries, collections and public records had been placed on my credit report. An FTC complaint has been filed with all this fraudulent items that do not belong to me, Section 609 A 1 A,  state that you must have physical verification of any items reported on a consumer credit file.please remove all this items from my credit report. These event has prevented me from getting finance as well as a better job to better my life.
Product: Bank account or service

At Bank Of America, I have had my personal & business checking account assessed with several NSF/Overdraft fees, since XXXX continuing into XXXX inspite of the fact that I was told the checking account has been linked with Bofa Credit card to avoid any fees and I covered the deficiency balance on numerous occasions the same day. Inspite of everything I have done to avoid getting hit with these fees, the account keeps getting charged with these erroneous fees. I contacted the personal banker, XXXX XXXX XXXX for this issue ( See email excerpt below ). I can not afford these fees as I 'm already struggling financially and being a long-time bank customer, and have maintained account in good standing. I 'm not getting any assistance from the bank for this issue. 

From : XXXX Sent : Friday, XX/XX/XXXX XXXX To : XXXX Subject : RE : NSF fees Hello XXXX XXXX Thank you for reaching out to me thru email. 
I did send the request already for your refund credit. As soon as I get the response from the request I will contact you. 

Thanks! 


XXXX XXXX Relationship Banker boa_logo XXXX CA XXXX Ph : XXXX Fax : XXXX XXXX From : XXXX XXXX [ XXXX ] Sent : Friday, XXXX XXXX, XXXX XXXX To : XXXX, XXXX Subject : NSF fees XXXX, Nice to meet with you last week for the NSF fees. 
As of now, I still have not seen anything come through yet for credits.. 
Can you please let them know that my accounts were not linked to the Bofa Credit card and also I was not aware of the depositing funds the same day in the account..Main thing is that I was told to open the card to avoid NSF fees and yet I 'm being charged on my Bus acct - XXXX & Personal account XXXX 

Thanks! 

Best Regards, XXXX
Product: Payday loan, title loan, personal loan, or advance loan

Applied for a loan Im qualified for and they denied it saying I was asking for more then XXXX I only asked for {$3000.00} Then they emailed me 19 decline emails. Im pretty sure thats not right!
Product: Mortgage

I have an existing reverse mortgage line of credit that is being serviced by PHH. 

A week ago I requested a draw of {$300000.00}, using their fax request form. 
After a week and no money in my account, I called them and they told me the request was denied because I did not have the request notarized. The form only says they MAY request a notary, but no one called me to tell me this was denied or they were requiring a notary. 

I got another request form, and had it notarized online on Monday, I just called PHH again to get a status of the second request, and was told it was denied because my signatures didn't match. 

First of all, I closed on this loan 7 years ago so our signatures would not match, but more importantly, this was notarized online, a perfectly acceptable process, and the only way you can sign is electronically in front of the notary. 

They have my money and are not giving it to me. I am in the middle of a real estate transaction which is now going to cost me penalties because I can't provide the funding I agreed to provide. 

I am more than upset that they keep changing the rules on me. There should have been an initial disclosure that any request over X number of dollars will require a notary, and that online notaries are not acceptable. Instead, they keep making up the rules as we go along here, and never bother to reach out to me. They said they called but my number was disconnected which is XXXX. I have had the same number for years. 

Thank you for listening.