23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Fox collection agency has been reporting a medical bill under my credit for several years now. This is not mine and I dont even have proof of it.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington , DC XXXX ref : Removed Accounts from Equifax Credit Report Dear Sir/Madam , I am writing to formally request your assistance in addressing an issue I have encountered with my Equifax credit report. Upon reviewing my most recent credit file, I noticed that several accounts and tradelines have been erroneously removed, which has adversely affected my credit score. These accounts have been managed responsibly and should be accurately reflected in my credit history. 

The details of the removed accounts are as follows : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX & Account Number : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I have attached copies of my credit report dated XX/XX/XXXX prior to the removal of these accounts on for your reference. These documents clearly demonstrate the existence and good standing of the mentioned accounts and tradelines. 

The removal of these accounts from my Equifax credit file has not only inaccurately represented my creditworthiness but also unjustly lowered my credit score. This has potential ramifications for my future financial endeavors, including but not limited to obtaining loans, credit approvals, and favorable interest rates. 

Therefore, I respectfully request the Consumer Financial Protection Bureau to intervene on my behalf and facilitate the reinstatement of the aforementioned accounts and tradelines on my Equifax credit file. Your prompt attention to and resolution of this matter would be greatly appreciated. 

Should you require any additional information or documentation to assist with this request, please do not hesitate to contact me at XXXX or via email at XXXX. 

Thank you for your time and consideration. 

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

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. I have waited over 45 days and still have not received a response yet, I feel like I am being taken advantage of and being ignored of the disputes I sent in. According to section 611 ( a ) FAILURE TO INVESTIGATE THESE ITEMS WITHIN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THESE ITEMS FROM MY CREDIT REPORT. It has been over 45 days so they should be removed promptly. I demand these accounts be deleted from immediately or I will file litigation due to the stress of my livelihood you have all caused me. My information was also impacted by the Equifax Data Breach and may have got into the wrongs hands. Thank you for your support.
Product: Student loan

The collection agent or Nelnet has reported my student loans 4 separate times per month to credit bureaus ruining my credit score even though I am qualified for a forbearance with a payment due of XXXX per month for 240 months
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently pulled my credit report from XXXX and XXXX and to my amazement, saw that CAPITAL ONE recently has decided to report me 30 days late on this account in XX/XX/2018. I immediately disputed this information with XXXX  and XXXX  and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) Because I take my credit very seriously, I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on my report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). 

Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
Product: Bank account or service

Bank of the West charged a {$36.00} fee for a check paid on XX/XX/XXXX due to insufficient funds/overdraft. The account statement shows that there was enough money to cover the check, and there was money left in the account on XX/XX/XXXX after paying the check.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile XX/XX/2023 identified a discrepancy with accounts listed under XXXX XXXX XXXX and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 3rd validation letter was sent out on this day. After reviewing credit report XX/XX/2023 there have been no updates and account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please stryke and remove his account from all 3 credit bureaus until adequate validation has been received proving that they account belongs to me and all information is correct.
Product: Mortgage

On XX/XX/2018, I went to closing and closed on my house using SouthPoint Financial Services Inc as the mortgage Brooker, few months after closing in XXXX of 2018 I received a call XXXX XXXX my then loan officer stating that there was an issue with the mortgage and it can't be sold because my dad ( co-Borrower ) already has an FHA loan and one person can not have two FHA loan. I asked how is that possible and why wasn't that something they would have caught during underwriting before we got to closing, he stated that he doesn't know and we need to try and fix this issue. During the process of obtaining the loan through SouthPoint, i was told by XXXX XXXX that i need a co-borrower and i ask if i could used my dad and he stated yes. I provided all my dad 's information to XXXX and explained that he filed bankruptcies over 10 years ago and that he did own a home with my mom that they are currently living in, long story short, FHA has not Insured my mortgage and my home is not showing on my credit report., Its been over a year and SouthPoint has not attempted to help with this matter, despite the fact that I have been paying my mortgage to SouthPoint and they have been cashing my checks every month with includes my escrows, they have not paid my county taxes, they have not sent me a detailed statement which I have requested on several occasions. I was also told that we committed fraud and that I need to refinance the mortgage in order to take my dad off the loan.
Product: Money transfer, virtual currency, or money service

I deposited {$7400.00} of XXXX Formatted USDC crypto currency into my Binance.US account address on XX/XX/2023 Binance.Us customer support stated the network was incorrect. 

Under their Website page of supported assets and networks, it states XXXX format is accepted for USDC crypto , giving no other description of network in which XXXX can be sent i.e XXXX  or otherwise. 

Binance.US does have the currency in their possession. In my wallet address on their exchange. The balance amount of {$7400.00} has not been released into my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the ongoing victim of identity theft. I monitor my credit bureau reports and have had credit accounts taken out under my name. Ive notified the creditor and credit bureaus as well. The actual creditor is not removing the fraudulent account from my credit report and the credit bureau is ignoring my federal rights under the FCRA section 605b asking that fraudulent information be blocked from reporting on my credit file but instead only resubmitted the information to the creditor who then re verified the information and leaves it in my credit profile as a derogatory account. 
I have enclosed my current copy of my valid police report to substantiate my identity theft case. I have also filed a Identity Theft report with the FTC. The account is a XXXX account through TD Bank XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX, Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX, Account # XXXX XXXX Account XXXX XXXX those account above has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

There is a fraudulent inquiry on my credit report from your company and according to the Fair Credit Act, they will be removed immediately. All needed documentation for this action to take place will be placed in the Dropbox below as we have done before. If you guys would read any of the documentation I provide you can see that I've been the victim of identity theft.
Product: Checking or savings account

My US Bank Savings account was hacked online on XX/XX/20. There were transactions that were made that I did not authorize. Some of the charges were reversed with the exception of XXXX XXXX transactions in which they denied my claim stating they were authorized by fingerprint authentification. I have called several times to speak with a manager and I pretty much have been getting the run around because I have yet to speak with one. The crazy thing is 5 days prior to my account being hacked, I received an alert on my phone stating information changed on my account, and if I did not make the change to call the bank. When I called the bank nothing was never verified and she told me it was probably a delayed alert.
Product: Credit reporting or other personal consumer reports

On or about XX/XX/XXXX I was the confirmed victim of a XXXX XXXX and hackers gained access to my XXXX XXXX XXXXXXXX account. It between the XXXX  of emails I did notice one from XXXX stating that some account info had been changed. I immediately called XXXX and the between the Fraud and Online banking teams they were able to take back control of my account.

They then created a new account for me and informed me that the balance and payments including my automatic payments would automatically transfer. So I had assumed I was all set. However on XX/XX/XXXX I was informed by my credit monitoring service that a derogatory credit comment was placed in my file by XXXX  for non payment. My credit score plummeted by XXXX points and all my existing lines immediately put limits on my accounts. 

I figured this was a clerical error and XXXX  would immediately fix this mistake on their part. Upon calling several agents admitted this was a problem with XXXX  and refunded my late fees. However I was informed on XX/XX/XXXX ( after several days of calling and opening a customer service case # XXXX ) they had denied my request to fix this erroneous report, further victimizing me. I need this erroneous report removed and my credit file restored to what it was prior to this fraud attack and victimization by XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX : {$440.00} I believe the information being reported to be inaccurate.
Product: Mortgage

Received letter from Select Port Folio stating my mortgage payment was due for XX/XX/XXXX. Recently I was in a XXXX forbearance with my mortgage servicer. The forbearance ended XX/XX/XXXX, Remitted mortgage payment XX/XX/XXXX, {$2200.00}, XX/XX/XXXX {$4300.00} and XX/XX/XXXX {$2200.00} for a total {$8700.00}. Spoke with XXXX Select Port Folio Collections dept. XX/XX/XXXX. He stated some of the funds were applied to late fees, foreclosure fee and Inspections fees for years of XXXX XXXX. The mortgage was modified for the delinquent payments between XXXX. Select Port Folio never notified me of this, and they were informed all payments were to be applied to the months the mortgage was in forbearance. Select Port Folio is charging XXXX times for fees that have been included in the mortgage modification.
Product: Credit card or prepaid card

I reported XXXX fraudulent charges on my credit card to the card issuer on the same day the charges appeared on my account. The issuer closed my card and sent me a replacement card. However, issuer refused to remove the XXXX fraudulent charges from my account. Instead, they kept playing games with me.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I mailed a form requesting all 3 credit reports. Monday XX/XX/XXXX and Friday XX/XX/XXXX I requested my credit reports through the phone system. To date I have not received my transunion report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate service and unfair practices, which violate the Consumer Financial 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: Mortgage

Initially applied for a home refinance on XX/XX/19. Completed all requested application and follow up documents within 5 days of application and used portal to verify and upload other as request. Was told would take 20-30 days to close this refi. Over the course of the following weeks, I consistently called or e-mailed for status and was told one thing or other delaying the closing. I was also told the new lender was having difficulty obtaining the payoff of current loan with current bank. I had to do it myself and send the bank letter to the new lender, Quicken Loans ( XXXX XXXX  via Rocket Mortgage ). When reaching the 60 day mark I again contacted my loan officer at Quicken to pressure on closing and I threatened to cancel the entire thing. I did get a call from the closing team to schedule my closing finally on XX/XX/19, which did close. During the back and forth communications and including my closing appt on XX/XX/19 I was told the portion of funds coming back to me would be EFT to my bank on XX/XX/19 with payoff to current lender on XX/XX/19. As of today the EFT to my bank for my funds has yet to happen so am afraid now that the existing loan payoff scheduled for today, XX/XX/19, will also be delayed thereby possibly creating a balance due from me to my current lender. I've nothing but road block after road block with Quicken/XXXX XXXX and feel they owe me interest for being late in depositing my funds. I've yet been able to get in touch with anyone from XXXX. I have had to e-mail or phone text my Loan Officer three times. I feel as though Quicken presents a very good sales pitch to customers but fails to disclose true and full transparency on actual process and time. Although, I will say the rate is what they promised, but closing costs did end up being slightly higher.
Product: Student loan

I never opened an account with this creditor. Nor have they supplied me with proof that i opened the loan. i've sent them an FTC and police report and both have been rejected, why? i have no idea. i sent everything i was supposed to submit still no answer. 
The account opened was opened due to identity theft. I've also sent the company a FTC report along with a police report but they still have yet to block the information off of my credit file and report.Now i have filed a federal complaint and this account is now in litigation. I have not supplied proof under the doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Student loan

I lost my job back in XXXX of 2015 I have been looking for work but I am also a single full time father of XXXX children. I have been paying my bills though they may be late they are all getting paid. Navient who handles my private loans every time I speak to them and I think something is resolved I get a phone call 20 days later and they tell me things are late and payments have not been made. This month I have now spoke to XXXX different people. including XXXX supervisors. XXXX supervisors also gave me XXXX different answers. The XXXX phone representatives gave different answers. I am trying to keep everything from being 30 days over due. I have had XXXX people say they were reapplying payments XXXX of which was a supervisors after I spoke to the first supervisor he assured me things were caught up and handled. Today I spoke to a different supervisor and he tells me my account is past due including an amount from XXXX 2015. When I asked him to pull the phone records he refused at this point I became upset and requested them and said I had to go through court. When I again proceeded to tell him then go back and check the phone records from his previous supervisor he refused and I called him incompetent he hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX  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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

I have been trying to understand why Portfolio Recovery Associates is reporting on my credit reports. Over the last 6 months, I have been disputing with the credit bureaus and have also sent debt validation requests to Portfolio Recovery but nothing has changed. The only thing they ever send is a letter stating that they found the account to be valid and copies of various billing statements. I requested that Portfolio Recovery provide a signed contract or credit application, amount owed, how much they paid the original creditor for the debt, etc but all they keep sending is a bunch of bills. I'm not admitting or accepting responsibility for the debt, but I do not recall opening a credit card with XXXX or Portfolio Recovery. This complaint is being filed to request that PRA provide appropriate documentation proving that the debt belongs to me or immediately delete this account from my XXXX, XXXX, and XXXX reports PERMANENTLY and not sell the alleged debt to anyone else.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$630.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint against Equifax for reporting inaccurate information on the listed account below. For some reason, I realized that there were 30 days late payments on my credit report due to the bank sending the bill to the wrong address. The bureau is violating Section 611 of the FCRA for reporting false information which is damaging my credit and causing me emotional and physical stress. I need EQUIFAX to correct the erroneous information on my report ASAP. 

XXXX XXXX XXXXXXXX XXXX
Product: Credit card

I received a notice from Citibank , NA on XXXX XXXX indicating my credit limit would be reduced on my Sears Card since it had been dormant with no balance for 21 months. The notice stated if I made a transaction by the end of XXXX I could avoid the limit reduction. I consider this a form of extortion forcing me to use the card or risk a negative report of my credit report as a result of Citibank reducing the credit limit. I did us the card on XXXX and paid it off on XXXX. Citibank continues to threaten me with a line reduction and reported account dormancy to XXXX on XXXX/XXXX/16.