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

I contacted TransUnion XX/XX/year> at XXXX XXXX  at XXXX. I requested a dispute be conducted on an account that does not belong to me XXXX XXXX XXXXXXXX in the amount of {$1.00}, XXXX. This account does not belong to me, as it states it was opened on XX/XX/year>. I spoke to a rep. requesting original documents with my signature or any identifying information that ties me to the debt. I was informed by the rep. that I spoke with, that the account will be reviewed and documents will be provided to me, and if the debt collector does not provided the documentation then that proves the debt does not belong to me. The dispute was finalized, but the debt still appears on my credit profile, not once but twice. The same debt is duplicated, which I also informed the rep. of, but TransUnion has not deleted the debt nor corrected the duplication of the debt appearing on my credit profile. I have disputed the debt twice with no resolution. If the company can not provided documentation with my signature-which I did request on 2 different occasions, then the debt should be removed.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable rein investigation of disputed information on my credit report, leaving accurate or unverifiable accounts unresolved. the consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence of furnishers, Accepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures aligned with my experience where XXXX 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 XXXX inaction, violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I, ve have asked for information from Experian on these accounts by certified mail, now im asking thru this site, 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. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 
XXXX XXXX XXXX XXXX, unverified XXXX XXXX XXXX, XXXX, unverified XXXX XXXX, XXXX. XXXX, unverified XXXX XXXX XXXX XXXX XXXX, unverified You can upload thru this site all documents you have that verifies these accounts as listed
Product: Debt collection

I 've received XXXX calls from people at IC System named XXXX and XXXX, and in both cases, I was asked to verify who I am and my address. But when I asked who was calling and why, they would only tell me that they were with IC Systems and that they were calling about a " business matter. '' When I asked what the " business matter '' was about, they refused to tell me more until I verified my address. They both became increasingly indignant, and contunined to refuse to tell me what kind of company they were calling from and why they were calling. Not once did they mention that they were calling to collect on a debt. In XXXX case, I told the caller that not disclosing what the call was about was illegal, and the caller, XXXX, claimed that it was legal, saying that my information was already public and they just needed to verify it before disclosing why they were calling. It was only after I looked up IC System that I learned they were a debt collection agency.
Product: Mortgage

Bank of America and the servicer of this home loan mortgage account caused to be recorded a Notice of Default ( NOD ) on XX/XX/XXXX without completing the required pre-foreclosure outreach in accordance with California Civil Code 2924.55 ( f ). 
Bank of America has admitted, in writing, to have tried to contact me twice. Bank of America and their representatives have not tried with due diligence to contact me otherwise than that prior to recording the NOD after assurances from Bank of America that no foreclosure process shall be commenced. Additionally, when I tried to contact Bank of America, all I got was the runaround. I have even been told that Bank of America forbids their representatives from conversing on a borrower recorded telephone line, which mine is in accordance with the laws of the state of California. 
Furthermore, no post-foreclosure outreach has been commenced to date, but that is a moot point and activity since Bank of America has already violated the pre-foreclosure requirements. 
To date, no XXXX XXXX County Recorders Office certified recorded Rescission withdrawing the NOD has been provided to me as requested. 
I have resided at the property address continually since XX/XX/XXXX as a primary residence.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my credit report, they are hurting my hability to obtain credit
Product: Debt collection

XX/XX/23 i recieved an email from from an attorney saying I owed XXXX in late fees from XXXX XXXX, Florida, XXXX XXXX, on XXXX XXXX. I tried asking for an email of the receipt and contract alongside policies of the company but I was told there was nothing except a late fee. I contacted Amped fitness in regards to the late fees but was told that I did sign a contract to cancel my membership but that my final fee was never paid. Therefore every month I was being charged as if i was still a member while also not being allowed on the premises. I asked for all the paperwork to be emailed to me but the manager refused and stated it was company policy and that I had to pay the due or else my credit score would be damaged and that I would be sued. The call happened on XX/XX/23 XXXX XXXX
Product: Vehicle loan or lease

I was left outside of XXXX XXXX after I was unlawfully XXXX for a XXXX  and got my car impounded for a XXXX blood tesXXXX refusal suspension that was over 1 year ago. i was left jobless after no call and no show that night I didn't make it to work after the XXXX. While my car was impounded for 30 days I was left with nothing and lost everything including my phone and my wallet while I was stranded no where near home for 30 days only so I can continue to make it to my job if they call. After finding out my car had been repossessed, 30 days later, they said I need to pay XXXX late fees plus tow fees to release my car no payments and All in full. Also to call back so the lender can call the auction at anothrr time because itd after hours ( i was on hold for 2 hrs ). After trying to tell my lender XX/XX/year>24 I could pay the fees they said to not make any payments until i find out the car was still available. Couple days later the car was sold The lender did not discuss about payment options provide me any useful information
Product: Credit reporting or other personal consumer reports

I was a victim of ID Theft. There are inquiries on my [ XXXXTransunion ] credit report that are fraudulent and do not belong to me. I've already filed an FTC report. Please remove the following unauthorized hard inquiries from my credit report : 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, credit repair services, or other personal consumer reports

To anyone that can rectify this situation, I feel it is necessary to let you know that that the companies identified within this complaint have completely disregarded my requests and failed to respond within the required time frame to my dispute letter from XX/XX/2020. I understand that we have a pandemic and these companies may be backlogged but at this point we are at 123 days since I have reached out to these companies. Upon research I learned that federal law requires companies to respond within thirty ( 30 ) days. I have now been waiting for 123 days for a response and have not received one. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Please address these issues with these companies and ensure they delete these items immediately or I will implement litigation due to the stress and hardship these companies have caused me. These companies have tarnished my character and my standing with creditors and I am extremely frustrated at this point. I was affected by the Equifax data breach and this may be the result of this nefarious activity on my reports.
Product: Prepaid card

Eppicard does not want to reimburse me for fraudulent transactions done on my card. I use the card to keep my children 's child support separate from my checking account. I do not receive payments as agreed in the divorce decree. The last payment I received before this incident was on XX/XX/2016. I checked my account online on my birthday on XX/XX/2016 it said that there was a deposit on XX/XX/2016. I called my card on XX/XX/2016 to verify the balance. The automated system said that I had a XXXX balance. I called and spoke to a representative who said that I need to file a complaint which I did. I received the results to the investigation which stated that I am lying and they will not refund my money. I have had an eppicard for 4 or 5 years and have never complained of any mistakes or discrepancies. I complained that someone stole my information and stole the {$89.00} that was support for my children and they accuse me of lying. Realistically the odds of someone stealing my card information and my money is greater than me withdrawing the funds and telling them that I did not. I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX  XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7900.00}, XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2300.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$240.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$460.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4600.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2800.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

Portfolio recovery keeps contacting me over a debt not owed and putting inaccurate information on my credit report costing me XXXX of dollars!
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 Cosumer 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 Regulations 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

my XX/XX/XXXX Lexis Nexis report is WRONG ( see attached ). 
XXXX XXXX XXXX XXXX laced my Lexis Nexis report with false entries with ( fraud & violation of FCRA ). 
I do not own XXXX XXXX 
I do not have insurance XX/XX/XXXX thru XX/XX/XXXX on XXXX XXXX 
XXXX XXXX FRAUDUENTLY LACED MY LEXIS NEXISW CREDIT REPORT WITH FALSE ENTRIES and they are accountable to DELETE XXXX XXXX immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C 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. 

XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Experian Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX  : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$150.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My husband and I applied for a loan through Bank of America on XXXX 2014. Prior to that we got a pre-qualification letter signed. They denied the loan after an extension was made after a signed 30 day escrow due to a Fidelity Bond issue. They collected upfront a {$470.00} appraisal fee, {$75.00} Bank of America 's own Homeowner 's Association Certificate, {$50.00} XXXX XXXX XXXX doc 's. The condo appraised for more than the asking price, our debt to income ratio was good, we had an excellent FICO Score of XXXX XXXX 20 % - 25 % down. We signed a XXXX escrow with the buyer, which the owner extended for Bank of America due THEIR to the Fidelity Bond issue. Bank of America wanted the owner 's ( XXXX owner 's in total ) of the condo to have a Fidelity Bond ( NOTE : NO OWNER handles the money, it is done by a professional company, The XXXX XXXX ). The XXXX XXXX handles repairs, maintenance, collecting HOA dues, etc. Bank of America decline this loan for the sole reason of this Fidelity Bond issue. This left us all hanging including the owner and realtor for an extended time XXXX XXXX, 2014. Bank of America would not refund {$600.00} total from all the fees we paid upfront even when this was solely their call and not within the XXXX Guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

Did not authorize inquiry on my credit for this company.
Product: Mortgage

My father passed away on XX/XX/XXXX. I was left his house and have had a new deed drawn up in my name. The loan was transferred from XXXX to Specialized Loan Servicing on XX/XX/XXXX. Once SLS took over the loan, the name XXXX XXXX started appearing on his loan statements. I have been calling since the beginning of XXXX to have her name removed from the account. Her name was not on the loan or on the deed when it came over to SLS and I have confirmed that with reps who have looked at the documents they have. I have sent in a copy of the new deed with my name, Death Certificate and letter of administration. Every time I call, no body can help me. I get told a ticket has been submitted and someone will call me back. I have not once received a call back. I ask to speak to a supervisor and they tell me they can't transfer me but can schedule a call back. No one calls me back. There are never any changes or updates on the issue when I call. I make the payment every month and am current on the mortgage. They are unwilling to help me fix their error and I'm not able to refinance the loan in my name until they remove this other person 's name from the account. I am beyond frustrated and this has been the absolute worst part of dealing with my dad 's estate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XX/XX/2020, I noticed that XXXX, a solar company with which I have a Power Purchase Agreement to buy power from panels they own installed on my roof, began reporting my PPA as a loan to Equifax, with an opening balance of {$22000.00}. This is being reported as an installment loan on my Equifax credit report. No such loan exists. I pay XXXX purely for the amount of energy its panels produce. There is no loan document that exists to support that this is a loan. I did not borrow {$22000.00} from XXXX. 
I have to date filed FIVE disputes with Equifax attempting to get this information corrected, and thus far Equifax has taken the word of XXXX that in fact a loan of {$22000.00} does exist. Although I have no way of proving something DOESN'T exist, I have submitted to both XXXX and Equifax documents requesting that XXXX produce a signed loan document demonstrating the existence of such a loan. Thus far, Equifax is only taking the word of XXXX ( who is paying them for credit reporting ) and seemingly ignoring my contention that no such installment loan exists. 
The arrangement I have w XXXX is such that I buy POWER at a specific kWh rate. There is no opening principal from which this should be deducted. And this " loan, '' under the terms as presented by XXXX, can NEVER BE PAID OFF.
Product: Debt collection

On XX/XX/XXXX, I was contacted at work. A voicemail was left on my phone stating that I needed to contact XXXX and set up a time to be served because I was going to be sued. I returned the phone call. They stated they were collecting a debt on behalf of XXXX XXXX XXXX. They stated that I needed to make a payment on the debt. the debt was over {$500.00}, and with their fees, it came to {$900.00}. I asked the agent about the statue of limitation. I asked was the debt time barred. The agent stated no because they could collect since the bank was going in bankruptcy. I asked them to validate the debt and he stated he couldn't. I could either set the arrangement or get sued. I told them that that was not my debt, however, my only option given was to make a payment. They set up to take a payment on XX/XX/XXXX. I followed up with XXXX XXXX XXXXXXXX. The account was closed in XXXX. The debt was from XXXX. They stated that they were making no attempts to collect anything. I spoke with XXXX XXXX, who stated the account was sold to a debt collector called XXXX in XXXX. The statute of limitations have clearly passed. I received another call today from XXXX, indicating that they were still trying to collect. I informed them that I had spoken with the bank. I also informed them that their attempt to collect and threatening to sue in XXXX XXXX Court was illegal on a debt that was over the statute of limitations. The agent failed to remove or stop debt collection attempts, even after I told him what the agents had stated on a recorded phone line.
Product: Credit reporting or other personal consumer reports

Credit Reporting Agency Name ( or company involved ) : Experian Account Number ( XXXX ) : XXXX Complaint Details : I am filing a formal complaint against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) regarding a charge-off account listed on my credit report under Opploans/FinWise. 

I have previously submitted two disputes regarding this account, and the credit bureau claimed the account was verified. However, the information remains inaccurate due to repeated reporting of charge-offs each month, effectively re-aging the account. This practice is against the provisions of the FCRA and TILA, as it unfairly extends the negative impact on my credit report. 

Violations of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 1681b ( 2 ) - Accuracy of Information : The repeated monthly reporting of the charge-off re-ages the account, making the information inaccurate and misleading.

FCRA Section 1681b ( 5 ) - Permissible Purpose : The re-aging through repeated reporting does not align with permissible purposes under the FCRA.

FCRA Section 611 - Duty to Investigate : Despite my disputes, Experian failed to correct the repeated inaccuracies, thus violating the duty to investigate.

FCRA Section 1681i - Reinvestigation Failure : The ongoing failure to reinvestigate properly and address the repeated reporting constitutes a violation of this section.

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate Information : The repeated charge-off reporting inaccurately portrays my financial status, violating TILA 's requirements for accurate reporting.

Request for Resolution : Immediate deletion of the charge-off entry from my credit report. 
Proof of verification from Opploans/FinWise substantiating the charge-off. If this can not be provided, the account must be removed. 
Investigation into and correction of the repeated reporting. 
Failure to address this matter within 15 days will result in further action, including filing additional complaints with the CFPB and seeking legal recourse. 

Thank you for your prompt attention to this matter.
Product: Mortgage

I have spoken to JP Morgan Chase numerous times. They gave me a loan modification and I still can not pay because the payments are more than I receive from social security. My home is currently for sale and when it sells I will pay off the loan. Calling me and sending letters and emails does nothing but continue with their constant harassment. This behavior is why people dislike Chase bank. If this continues I will have to change my phone number.