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

I filed a dispute with Equifax, but now I can not access the results of the investigation since Equifax claims I need to call them to verify my identity. I have called them and requested they allow me online access to the results but they said they can not help me with that since they do not have a technical support department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the account as it was opened without my knowledge, consent or authority. I'm including the FTC report from the site XXXX 

Please dispute the account. It was opened without my knowledge, authority or consent. 


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

I have an inquiry on my Chexsystems report that I did not authorize. I am a victim of identity theft. The following inquiry was made without my knowledge or approval. 

XXXX XXXX XX/XX/2020
Product: Debt collection

In 2013 I paid my debt which was to XXXX however they sold my account to a Debt Management Partners company and they are still trying to get money and are still reporting that I owe them money even though the debt has been paid. Here is what they sent me '' As we previously advised you, you have failed to make payments required under your loan agreement or to contact us to take corrective action. As a result, your account number XXXX was sold to Debt Management Partners on XXXX/XXXX/2013. The outstanding balance was {$770.00}. 

This third-party debt buyer retains all legal rights to the amount owed. If you would like to make a payment, please contact Debt Management Partners at XXXX or http : //www.dmpcollections.com/. " The information they are reporting is inaccurate has the debt has been paid as of XXXX XXXX, 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE STOLE MY IDENTITY AND OPEN UP SOME ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I AM A VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Debt collection

XXXX XXXX recently informed me that I owe a {$50.00} debt from XXXX 2014. I sent them a copy of my bill pay statement from XXXX 2014 that shows I paid XXXX the {$50.00}. XXXX submitted the bill to Credit Collection Services XXXX and I also sent the 2014 bill pay statement. to the Collection Agency. I am going to send both of them this proof again and this time by certified mail also because they say I still owe the {$50.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit agencies about XXXX reporting 16 charge offs on my credit reports but this account # XXXX and the other loan that i have had with XXXX ending in XXXX on a XXXX XXXX These both need to be Included in Bankruptcy on my credit reports since they are in my bankruptcy XXXX failed to file these claim by the bankruptcy dead line so they are not getting paid
Product: Credit reporting or other personal consumer reports

According to fcra law 15 usc 1681 b I have the rights to privacy I did not give Experian the rights to furnish my information ( written nor verbal consent ). No consent equals identity theft. These accounts need to be removed from my credit report immediately or I will take legal action for these violations in the amount of {$1000.00} per violation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete these accounts within 7 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Account XXXX is reporting inaccurately on the credit reports associated with my social security number and violate my consumer rights per the following information : Based on the information provided, there are a couple of inconsistencies in the credit report that violate the Fair Credit Reporting Act ( FCRA ).

The first inconsistency is the account type detail listed by Equifax
. While XXXX and XXXX indicate that the account type is a charge account, Equifax leaves this field blank. This inconsistency violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. 

The second inconsistency is the high credit reported by Equifax, which is {$650.00}, while both XXXX and XXXX report a high credit of {$0.00}. T

his inconsistency also violates the FCRA section 607 ( b ), which requires that credit reporting agencies provide complete and accurate information in consumer credit reports. Furthermore, the comments section of the report indicates that there is a dispute regarding the account, which is resolved but the consumer disagrees. The comments also show that the consumer disputed the account after resolution. These inconsistencies violate the FCRA section 611 ( a ) ( 5 ), which requires that credit reporting agencies include a notice of dispute in the consumer 's credit report if the consumer disputes the accuracy of any information in the report.
Overall, the inconsistencies in the account type detail, high credit reported, and the comments section violate the FCRA 's requirement for complete and accurate information in consumer credit reports and the notice of dispute requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent Transunion a letter disputing some inquiries that were unknown/unauthorized to me and they never responded or let me now an investigation was taking place. Its been over a month without hearing anything and then I sent the same letter again on XX/XX/2020 certified along with a method of verification letter ( which they received ) and still have not heard back from them.
Product: Credit reporting or other personal consumer reports

Thank you for assisting me in this matter. I would have chosen not to write this complaint and got the CFPB involved if I had other options, but unfortunately here we are. 
My issue stems with XXXX XXXX for XXXX separate accounts : XXXX ( balance {$260000.00} ) XXXX ( balance {$100000.00} ) I went online in XXXX of 2023 to make a payment for both of these accounts and there system was down to site maintenance. I called in the following Monday where a support representative alerted me of site maintenance and I made my payment. Unbeknownst to me, I ended up receiving a late payment with XXXX for XXXX of 2023 for both accounts. This has had a significantly negative affect on my Credit Score and prevented me from doing much as I am no shackled. Normally I am not one to complain, however, this is unjust and inaccurate. According to the FCRA and FCBA, this information should be corrected and removed from my report. 
I have attempted to dispute these late payments several time to no real avail : XX/XX/2023 XX/XX/2023 XX/XX/2023 XX/XX/2023 and XX/XX/2023 I decided to be more proactive and attempt to give them the benefit of the doubt and called XXXX XXXX on XX/XX/2023. I alerted them that I had disputed the late payments on my credit report form them because they are inaccurate due to their site being down for maintenance. The support representative agreed that that was the case and made notes in my file and stated that they would correct it. I asked if I should dispute the late payments with the Credit bureaus again and they stated it wasn't necessary but I could if I wanted to. 

We are not 3 months past this conversation, several attempts at rectifying this with the bureaus and my Credit still being affected by their blatant mistake. This has caused extreme mental anguish as I am not capable at borrowing at the rates I deserve, rather what XXXX XXXX error states I deserve. 

I wanted to shine a light on these practices hoping that I can get these late payments removed because the error is not on me, yet on them.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block, Inc. ) due to in adequate customer service and unfair practice which violate the consumer financial protection act ( CFPA ) specifically Cash App failed to take timely and effective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected. Furthermore they dispute resolution process. Was unfair and deceptive. As they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and reregulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Debt collection

I had a procedure at XXXX XXXX XXXX XXXX in XXXX XXXX in XX/XX/XXXX. I received a balance bill from the XXXX center, at which time I called their billing department to better understand why I was receiving a balance bill. I was instructed to contact my primary and secondary insurance companies as my secondary didn't pay to cover the balance billed, {$1500.00}. After contacting both insurance companies, being told that my secondary insurance would not cover the balance, I wrote to XXXX XXXX XXXX XXXX in XX/XX/XXXX to notify them that secondary would not cover, and the balance billing was a financial hardship, and asked them to accept the {$3500.00} they were paid. 

I received no response from the billing department after sending the written letter. I assumed that they accept my request to accept insurance as full payment due to the financial hardship. 

I found out months later that they had sent me to collections, without any written response from them at all. How does a billing department receive such a letter, after having spoken with you twice before, and not offer you the courtesy to figure out some sort of payment plan with them, but nothing! Shameful! 

Be aware of the way they handle their billing. Be sure they run your insurance against payable expected to ensure you will not have a balance bill. Also, don't assume they will respond to any written letters, as they never did for me.
Product: Checking or savings account

On Wed XX/XX/2018 XXXX authorized a payment of XXXX I only had XXXX in this account. I asked Wells Fargo to stop letting payment come thou when no money is available to payment for the charge. Wells fargo is doing this just to charge account holder XXXX. I have removed my debt from XXXX. This company need to change their policy. I also having a pending payroll check, the company state if a payroll check is pending the company would not charge a fee. that is not true the company is still charging funds.
Product: Credit reporting or other personal consumer reports

Please remove all the negative accounts and late reporting from my credit report. Its privacy concern and I never gave permission to reporting in first place. Violation of my privacy had went on with several companies including transunion, XXXX have shared my private source data information with out permissions or consent
Product: Credit reporting or other personal consumer reports

Lexington law is still charging my bank account after I told them I wanted to cancel my account
Product: Credit card or prepaid card

I have already opened an inquiry with Comnety bank about fraudulent hard inquiries, however now there is a {$450.00} limit express credit card on my account that I do not have any knowledge of. I need that account closed immediately.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Personal Information Dear Sir/Madam, I am writing to dispute inaccurate personal information that is being reported on my credit report by your agency. Upon reviewing my credit report, I have identified discrepancies in the personal information section that require immediate attention and correction. 
The inaccurate information is as follows : XXXX XXXX XXXX  In the Amount of {$110.00} I hereby request that you investigate and correct the inaccuracies in my personal information as soon as possible. It is imperative that the information on my credit report is accurate and up-to-date to ensure fair and accurate assessment of my creditworthiness. 
Please provide written confirmation once the necessary corrections have been made to my personal information. Additionally, I request that you provide me with a copy of the updated credit report reflecting the corrected information. 
I appreciate your prompt attention to this matter and look forward to your timely response. Thank you for your cooperation in resolving this dispute. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of identity theft and I request again to block or remove the information in my credit file resulted from an alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items. Also, the information you provided on some items is UNKNOWN to me a and REMOVED from other bureaus and I have doubts in their accuracy. Here are the list of fraudulent Items : XXXX XXXX ; XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX  XX/XX/2022.
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 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 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, credit repair services, or other personal consumer reports

I have submitted Identity theft reports to XXXX  and XXXX XXXX and XXXX XXXX for XXXX  months and they still have not removed the following accounts from my credit report they are causing mental stress
Product: Student loan

My student loan provider uploaded a PDF to my account that was supposed to provide me with tax information. They instead uploaded a blank PDF template with no account information on the document. I have contacted consumer service three times now, and they still do n't understand what I am saying, despite being quite clear and even providing an image of what I am talking about ( the second time ). The first time, the response I received was auto filled information on how to download a PDF off the Internet. I responded my telling them that I am perfectly capable of downloading a PDF off of a website, but the PDF does n't contain the information that it should contain. They responded by telling me the summary statement amount in the email, but still did not update or send me a PDF. The third time, they simply told me " Your tax information has been updated and is now available online ''. When I logged in, the PDF was STILL blank. I need the PDF information, not just the numbers.
Product: Checking or savings account

On XX/XX/2021, I spoke to a customer service representative from the XXXX XXXX XXXX and entered into agreement to purchase automobile insurance. I spoke to the representative for an hour and I was told everything was okay and the payment of {$120.00} had been processed. I kept watching my checking account and I noticed that the funds were available, but they were not withdrawn. The customer service representative said that the payment had been successfully processed, so I continued to draw available funds from my checking account. 
Then, I received a letter from the XXXX XXXX dated XX/XX/2021 and received by me on XX/XX/2021 regarding the Notice of Rescission of New Business Policy. The reason for the Rescission was for nonpayment of the initial premium payment. However, I was told the payment had been processed but that my financial institution refused to honor the transaction. When I contacted the XXXX XXXX XXXX, I was told that I had to make a payment of {$210.00} by XX/XX/2021 to be insured with their company. 
In addition, The funds were available in my checking account and savings account. I received a letter from PNC Bank dated XX/XX/2021 that I had exceeded the number of permissible transfers allowed during a monthly service charge period. This is the first time I ever received any type of communication from PNC Bank regarding such a matter.
Product: Mortgage

On XX/XX/XXXX I completed a FULL mortgage application with Quicken Loans. The Loan Officer was XXXX. XXXX XXXX NMLS : XXXX. I sent XXXX all documents including a sales contract, they even pulled credit. XXXX called us and confirmed we finish the application through rocket mortgage. XXXX then said in order for quicken to disclose the loan to us with a rate of 4.25 he would required {$500.00} deposit. I said ok but only if we got a Loan Estimate. XXXX then said that I should understand that this {$500.00} deposit was a handshake with Quicken and the only way he would disclose the loan at that point is if I paid the fee first. I refused. My husband, XXXX XXXX ended up talking to XXXX that night and the only thing we could get XXXX to send us was an email. Which I have attached. We have never received a Loan Estimate until this day. XXXX called us non stop for a week until we told him to stop. I am extremely concerned that we never got a loan estimate considering we completed a full mortgage application.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX years ago to have the account removed from my credit report because it was paid off on XX/XX/2012. They said I had to wait XXXX years for the account to fall off of my report. XXXX years later, my credit scores ( Equifax and XXXX ) are still being negatively impacted by this account. I tried to dispute the account with Equifax recently. They said because I disputed the account, the clock will start over and the account will remain on my report for another XXXX to XXXX years.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and equiofax credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor.My credit report includes the following erroneous information that needs to be investigated and correct : XXXX OF XXXX XXXX Date Opened : XX/XX/2017 Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

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  To Whom It May Concern : This letter is being written to dispute the account, which I have done several times. You have responded by stating that the creditor or collection agency verified the account. I have contacted the collection agency/creditor on several occasions as well, and they have yet to respond to my dispute, therefore, your company could not have reached them concerning this debt. Fair Credit Reporting Act requires that you respond to my dispute within 30 days as well as verify it's accuracy. If the account can not be verified, your company must delete the account from my credit report. If you can't show proof that you have verified this debt and you continue to list this item on my report, I am prepared to sue your company under the Fair Credit Reporting Act. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Contact : XXXX XXXX Description : I have banked with SunTrust now Truist bank for over 15 years. I have a monthly paycheck from the school board deposited every month. Last year I became a XXXX  to earn extra money to pay down credit cards. I sold a XXXX  and received my commission check on XX/XX/XXXX for XXXX. I went to the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Fl. To deposit my check and payoff credit cards. I was told there would be a hold but not for 10 days. And never was I told I would have no funds in my acct that they would actually make my available account balance negative the amount that I deposited. I've worked in banking before and have never experienced this. The check I deposited was drawn from an instate bank. I paid some credit cards and other items and was charged many NSF fees and had my payments returned all while the bank is holding my XXXX check hostage. This is an unfair practice. When I called the customer service line I spoke to 3 different people and no one could help me. I called a local branch in XXXX and she attempted to help but then did not answer or return my today when she told me to follow up today ( XXXX  ) I do know my husband has deposited my other commission checks at other branches and never had this issue.