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

I have contacted this agency 3 times to remove this late payment from my account as they stated I paid late in XX/XX/2017, but that is not true, They refuse to respond to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received communication from Equifax, XXXX, and XXXX attempting to collect an alleged debt. 
I send a letter to Equifax, XXXX, and XXXX to cease and decease all communication immediately with a verification of the alleged debt with the following 1. Name and address of Alleged creditor : 2. Name on file of alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5. Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? __ No ____Yes 9. Amount Paid if debt was purchased : 10. Commission for debt if collection efforts are successful : * Agreement with your client that grants Equifax, XXXX, and XXXX the authority to collect this alleged debt. 
* Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector. 
* Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 
* All statements while this account was open. 
* Have any insurance claims been made by any creditor regarding this account? 
* Yes * No * Have any Judgements been obtained by any creditor regarding this account? 
* Yes * No Equifax, XXXX, and XXXX never responded! 

Furthermore Equifax, XXXX, and XXXX Are attempting to collect an alleged debt where the so called original creditor has falsely represented the character other Violations under 15 USC 1692 e that Equifax, XXXX, and XXXX is implementing itself. 
Violation : 15 USC 1692b ( 5 ) 15 USC 1692 ( 2 ) ( A ) 15 USC 1692e ( 3 ) 15 USC 1692 ( 6 ) ( B ) 15 USC 1692 ( 9 ) 15 USC 1692 ( 10 ) 15 USC 1692 ( 11 ) Furthermore Equifax, XXXX, and XXXX unlawfully reported a debt to my consumer report in violation of REGULATION F, New Rule effective XX/XX/2021. Cease reporting this debt immediately or face legal action. Equifax, XXXX, and XXXX lacks permission to include anything on my credit profile ( 15 USC 1681b2 ) and contacting third parties with my personal information is illegal. Your actions amount to Aggravated Identity Theft ( 18 U.S.C. 1028A ), a felony punishable by up to 2 years in prison, in addition to civil liability. 

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, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and no response, this is now affecting my business and me trying to scale my business with XXXX Also its preventing me from buying my home. The accounts XXXX XXXX, XXXX and XXXX XXXX XXXX is fraudulent including the address are incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX, XXXX, Equifax and XXXX XXXX my credit has gone down due to 2 payments of {$35.00} each and today one payment of {$41.00} it says on XXXX XXXX not made to XXXX. I havent even gotten my XXXX card yet. Ive called them twice before and again today. They claim to fix my balance and report that to the credit bureaus.but not has changed and Im fact gotten worse. My credit dropped XXXX points today with the reporting of {$41.00} by XXXX and in the comments even states that they havent received the first payment. Ive called XXXX and equifax who both say they see no balance because one is not even due. Which would be correct since I have not received my first card on that account yet. But my credit score definitely dropped XXXX points because of it. I disputed it with XXXX and their investigation concluded that IT WAS VALID AND I AM RESPONSIBLE FOR THIS DEPT that according to XXXX does not exist. I know its confusing.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound frustration and disappointment regarding the ongoing presence of fraudulent items on my account, despite my persistent efforts and numerous follow-ups to have them removed. This marks the 13th time I have brought this matter to your attention, and yet, it remains unresolved, which is utterly unacceptable. 

The continual presence of these fraudulent items not only undermines the integrity of my account but also poses a serious threat to my financial security. Moreover, the prolonged delay in resolving this matter reflects poorly on your institution 's commitment to customer service and accountability. 

Furthermore, I expect transparent communication throughout this process, including regular updates on the status of my complaint and the steps being taken to address it. 

Failure to resolve this matter satisfactorily will leave me with no choice but to escalate this complaint to higher authorities and explore legal avenues to seek redress.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

There is a delinquency noted on my credit spoke with XXXX and they notified me it was from a utility 's agency, and I've been delinquent since XXXX. I've not received any correspondence previous to the report on my credit. I also spoke with XXXX XXXX  the utility company that sent me to collections. Per XXXX at the XXXX XXXX an opened an account for utilities in and became delinquent in XXXX. My utilities are set up in California for my home and I do not use the utility company. 

They noted my complaint but also recommended that I file a police report and a report with identitytheft.gov.
Product: Mortgage

On XXXX XX/XX/XXXX I received a Property Tax Delinquent Notice, I called my mortgage company BSI Financial Services and was informed that a tax disbursement should have been made in XXXX of 2020 but was not and was then told that an expedited request had been submitted to resolve the issue. Fri morning XX/XX/XXXX I called XXXX XXXX Tax Office ( NC ) to let them know what had happened. They told me that BSI Financial Services would be responsible for the interest also. I then called BSI and was told that yes they would pay the interest, I was also informed that my taxes should be payed by Monday XX/XX/XXXX. 
I called BSI again on Tue XX/XX/XXXX and was told that my case was still under review and that it could take up to 3 to 5 business days to complete, I told them this was not acceptable as the deadline to have the payment made is the XXXX of XXXX. The last person I spoke with named XXXX told me that she would call me today ( XX/XX/XXXX ) and let me know what was going on. As of XXXX there was no call from XXXX, so I called them ( BSI ) again. Once again being told that they were " talking '' to the people in the Tax department, then was told that my Property taxes we're not late ( yet I have a delinquent letter in my hand ). The response I Kept hearing was " it's still under review, or we're working on it ''. Mind you the deadline is Fri XX/XX/XXXX. I was told that I would get a call back within an hour which would be around XXXX EST. I called BSI back around XXXX EST and the lady told me that a disbursement was made on XX/XX/XXXX in which I corrected her. Was then connected to the lady I spoke with earlier and was told to give her until tomorrow morning ( XX/XX/XXXX ), I told her that was unacceptable to which her response was that " all managers had gone for the day ''. So here we are XXXX EST on XX/XX/XXXX and my property taxes are still NOT paid, and a deadline of XX/XX/XXXX. 
I told her that she has until noon tomorrow ( XX/XX/XXXX ) or I will pay the taxes myself and seek restitution via legal action. There are currently 98 NEGATIVE reviews on this company with the latest one also involving non payment of property taxes. 
My 2020 property taxes were due in XXXX of 2020 for XXXX plus interest of XXXX for a total of XXXX.
Product: Mortgage

XXXX XXXX XXXX # XXXX on XX/XX/2021 did not find a solution to my mortgage situation and never got back to me, when he said would showing outright negligence. If you can stay away from PNC bank for a mortgage.
Product: Debt collection

This is the final attempt to cure. I have asked vystar to remove negative items off my credit report. No signed contract with my wet signature was given. No written consent was given to furnish negative items on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for you to investigate the following " Unverified '' accounts listed below. According to the Fair Credit Reporting Act, 15 U.S.C. 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report to assure maximum accuracy. Without proper verification by your company, anyone paying for your reporting service could fax, mail, or email in a fraudulent account.

I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my Signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C. 1681, unverified accounts must be promptly deleted. If you are unable to provide me with a copy of the verifiable proof that you have on file within 4 business days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these things removed.

Name of the account : US Dept of Education Debt ID Number : XXXX ( Unverified account ) XXXX ( Unverified account ) XXXX ( Unverified account )
Product: Debt collection

A few weeks ago a collection agent called my XXXX year old mother upsetting her looking for me about an emergency case and left a number. I called back and a lady said I was being sued for XXXX account from 2008. I told her to stop calling this was way past 7 years old. Two days ago I was notified by credit karma that a collection account was put on my credit report. I called number on my collection account and spoke with XXXX. He emailed me a letter of collection but claimed he did n't have original creditor info.
Product: Checking or savings account

There was a fraudulent charge on my checking account. After contacting my bank, which I was put on hold for 30+ min., I was transferred to the Fruad department which told me to open a new account at a physical location. Upon visiting a location and opening a new checking account, I had called BofA back, another 30+ min hold, to be transferred to a fraud department telling me it was a different fraud department handling my case. On hold for an additional 30+ min, I finally reached the second fraud department that ensured by the next business day that the funds that are mine, would be transferred to the new account. It has been 4 business days and a weekend of time and the money is still not transferred for use. Very frustrating when you have bills to pay.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX  Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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

My wife XXXX XXXX is being sue by Sychrony Bank this account does not belong to my wife she never apply or have no knowledge for this account we have fill out a fraud affidavit that Sychrony Bank send, and we send it back to them I believed that Sychrony Bank is XXXX  my wife by sending her to court for debt that does not belong to her also sending police officers to my house with my children being home thinking that there mother is going to be XXXX  or arrested I believed this attitude from Sychrony Bank is not acceptable. This person on this document is not my wife also she is not working in order to apply for credit you have to have job and also, she only speaks XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

In accordance with the Fair Credit Reporting Act these accounts listed below, 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 I demand the following accounts be removed immediately : Account Name : XXXX XXXX XXXX XXXX ; Original Creditor Name XXXX XXXX XXXX Amount : {$2500.00} ; Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX  ; Original Creditor Name XXXX XXXX Amount {$240.00} ; Account Number : XXXX *Please remove all non-account holding inquiries over 30 days old. 

Thank You, XXXX XXXX XXXX
Product: Student loan

I have student loans, NEVER once in any sort of default and always in good standing ( shown on my Credit Report history ) Always been on an IBR payment plan of {$0.00} per month or on forbearance ( i hav e a paper trail from  navient which i attached to this complaint -- the most recent forbearance approval ) I filed an ability to benefit discharge in  XX/XX/XXXX / XX/XX/XXXX  since i should not have been issued student loans since i had no  XXX/Diploma  at the time i enrolled in the school and was not tested per the rules, supposedly when i did this request, the guarantor ( ECMC ) paid off the loans immediately. ( which does not seem right? ... Why would you pay off loans before investigating my complaint/issue? ) The  XXXX  discharge request was denied by ECMC an d Dept of education a ppeal ( and ive asked for proof of the  XXXX  test they supposedly administered to me and it was never provided ), now all the sudden i 'm in default on my  XXXX  loans ... and  ECMC wont put  the loans back with Navient to go back to the good standing they were in. They want full payment and that 's my only option. its dropped my  credit score   XXXX  points now just after i got it up to over  XXXX .  <P/> Per the federal student loan website : i should have been sent monthly statements ( which hasnt been sent at  all )  and i can not be reported as defaulted until its over 270 days LATE.  <P/> My loans have never been late and have always been on a forbearance or IBR. ( i have a statement of a approved forbearance showing an end date of  X/X/18    )
Product: Credit reporting or other personal consumer reports

I noticed unauthorized Inquiries on my credit report that I would like removed. 
according to the FCRA, these unverified and unauthorize items must be removed. 

Late Payments ( I5 usc 1666b ) Charge offs ( usc 6802 or 15 usc 6801 ) Collections ( 15 usc 1692g / 15 usc 1692c ( c ) ) Inquiries ( 15 usc 1681b ) XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX XXXXXXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX XXXX  Opened XX/XX/XXXX 2022
Product: Credit reporting

experian re-inserted an account ( XXXX ) back into accounts that are potentially negative. Proof was sent in to experian month 's ago that this account was never paid late. It was rectified and listed under accounts that are satisfactory. Today I checked my credit report. Report # XXXX and see that it was put back in where accounts that are potentially negative. This information is completely wrong and I tried to submit a dispute but experian will not allow me to re-dispute it again. I am trying to obtain a mortgage and having wrong information on my report is affecting my credit worthiness. I am submitting this complaint for 2 reasons. 1 it should have not been re-inserted into accounts that are potentially negative and the second complaint is experian will not allow me to re-dispute this. It is my right to correct wrong information on my credit report and they are not allowing me to do so.
Product: Mortgage

I received a notice from XX/XX/XXXX that Dovenmuelhe Mortgage inc is holding unclaimed property in the amounts of {$3300.00} and {$100.00} from a mortgage ( from XXXX XXXX XXXX  XXXX that was refinanced in XX/XX/XXXX. I sent the required response documents back on XX/XX/XXXX, and have since made follow up calls on XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, but have to date been unable to obtain the return of these funds. 
I was told during several calls that the instructions to send a check were relayed to the appropriate group. On the XXXX call it was confirmed that a check request had been initiated on XXXX and that it could take up to 30 days for a check to be issued. On XXXX this was revised to XXXX business days, and on XXXX I was told that it has not been issued yet and there is no estimated completion date.
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 XXXX  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: Payday loan, title loan, or personal loan

I borrowed {$700.00} from Fine Day Funds at the beginning of 2023. I have paid 4 payments totaling {$1100.00}, plus {$25.00} payment for XXXX with the hope of paying this month 's balance before the end of XXXX. When I borrowed the money from Fine Day, I thought it would help lower my debt by paying off two other bills, but this company has caused a higher debt to income ratio. 

Fine Day Funds is charging me {$2700.00} interest plus the original {$700.00} I borrowed, which will total {$3400.00}. This business charges extremely high interest rate at XXXX percent. Fine Day Funds customer service representative recently told me there is also a daily interest charge included in the amount. When I first applied for the loan, the customer service representative DID NOT mention the exorbitant interest rate and fees. 

There should be laws against predatory loan providers price gouging interest rate and fees. I recently found out that Fine Day Funds  is not XXXX  accredited. The XXXX has a long list of complaints file against Fine Day Funds with very lower review ratings.
Product: Credit reporting or other personal consumer reports

This CFPB Complaint has been filed to Request, persuadant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that the EQUIFAX & TRANSUNION Credit Reporting Agency , within 5 business days of you receiving this complaint to block and removed the information appearing on my Consumer Credit Report that is the result of identity theft and fraud. the actions I have taken have been to request that these Fraudulent accounts be removed from my Consumer Credit Report within 5 business days.

This fraudulent, inaccurate, and false information consists of 5 ACCOUNT, the aforementioned : Auto loan account open at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX amounting in {$1900.00} A personal credit card opened at XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, amounting in {$10000.00} A personal credit card opened aXXXX XXXX XXXX XXXX XXXX XXXX XXXX amounting in {$3400.00} A personal credit card opened at XXXX XXXX XXXX, XXXX on XXXX, XXXX, XXXX amounting in {$13000.00} A personal loan opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX amounting in {$25000.00} These accounts have resulted in several fraudulent collections appearing on my EQUIFAX AND TRANSUNION Consumer FICO Credit Report.

I do not recognize the aforementioned accounts, or collections as reported. The aforementioned accounts, collections, appearing on my Consumer Credit Report maintained by you were not open, made, or initiated by me.

All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

I co sighned for my son XXXX for XXXX federal XXXX loans back in XXXX and XXXX for a original interest rate of 8.050 %. In XXXX XXXX said I that I could consolidate and get a reduced rate, but infact they increased my interest rate to 8.0125 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

Snchrony Bank has singlehandedly and intentionally sabotaged my credit with their false credit reporting. I hold 3 different accounts. One with paypal mastercard, one with paypal credit, and one with Lowes credit. As of today they have closed all three current non delinquent accounts based on a retaliatory act. They claim that based on their information I am considered a high risk of failure to pay. Mind you I have never defaulted on any existing creditor or have been late with any existing creditor for over 7 years. I have waited 7 years to establish new credit after I was forced to file for bankruptcy 7 years ago due to outstanding medical bills. But when I hit my 7th year Snchrony has been nothing but disrespectful towards me treating me like an immigrant that has no credit.. This complaint has to do with my Lowes account. I have paid down this project monthly as agreed with the contract. But thats not good enough! I have paid more than the minimum payment for several years not once missing a payment and the thank you I get for being a great customer is " we are closing your account because you are a risk of not paying. '' On my credit bureau, Again there are no indications of defaulting on any of my creditors, on the contrary I have an outstanding payback history Any negative reporting has been caused by Snchrony bank and their false claims that I went over my credit limit by 300 percent due to their retaliatory act of reducing my credit line because I retracted a payoff to the paypal mastercard account, this after they froze my account for a suspicious large payment. Since XXXX of XXXX they have been claiming i became a high risk of not paying and have reported incorrectly to my bureau ruining my credit score. Something needs to be done. No other creditor does this lunacy to good customers.