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

It is so distressing and you have no idea how bad it is, Im an honest man working my way off honestly, then I look at my credit report all I see are false, incorrect and inaccurate information being reported under my name. As a consumer I know I have rights and protections but that seems to be a lie and I want to uphold that right under the law as long as I can even though it is already impacting my life and credit negatively and I need your help to set things right, XXXX  and tired of living paycheck to paycheck with my credit applications being denied because of these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am applying for a home loan and there is a home Mortgage foreclosure listed on my credit report provided by " Credit report trend credit data ''. The creditor is Leader one financial corp. 
The mortgage is a reverse mortgage that belonged to my mother. She passed away in XX/XX/2018. The reverse mortgage was a part of her estate, and I was not a signer on the mortgage. The mortgage went into foreclosure, and I purchased the home from Leader One days later. However my credit reports reflects the foreclosure on my credit. I was never a signer or co-signer on this mortgage, only the purchaser of a foreclosed home from an estate.
Product: Mortgage

I am having trouble XXXX my mortgage company, Nationstar. 
I am accusing them of purposely losing payments so they can charge me late fees and make me lose my home. They lose notes, comments, communications, written paperwork ... thye force place insurance when you have it paid in advance for one year just so they can tag a premium delinquency on your acct ... ... thereby putting all of your now " short '' payments into a suspense account ... .this now goes on your credit as delinquent payments. I pay my own insurance myself, yet they say they have paid it since they have had my loan. Please help
Product: Debt collection

I am writing to formally request your compliance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 US 1681e ( b ) and 15 USC 1681 ( a ) ( 5 ).

Under 1681e ( b ), the FCRA requires that a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information in consumer reports. I believe that there may be inaccuracies in my credit report that do not comply with this standard. Please provide me with the details of the procedures you follow to verify the accuracy of information reported.

Additionally, according to 1681 ( a ) ( 5 ), when a consumer disputes the accuracy or completeness of information in their credit report, the agency is required to investigate and provide results of the investigation within 30 days. I am requesting that you conduct a thorough investigation of the disputed information and inform me of finding. 

I appreciate your prompt attention to this matter and look forward to your response within the time frame specified by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC1681 SECTION 602 states I have the right to privacy 15 USC 1681 SECTION 604 A Section 2 : It also states a consumer reporting Agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App. Block incorporated due to the inadequate customer service and unfair practices, which violated the consumer financial protection act ( CFPA ). Specifically, Cash App fail to take timely, an effective measure to prevent an address fraud on their platform. Leaving my account vulnerable, and protected. Furthermore, they're dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act ( EFTA ) a regulation E. These action has caused significant. Inconvenience in financial laws, and I seek appropriate redress for this resolution!
Product: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of RMP LLC for what they are stating is a medical account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of this debt that made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Bank account or service

I recently tried to open up an bank account with Wells Fargo but my application was denied so now Im trying to understand and figure out why??.. .I was also told by Wells Fargo that they could not provide specific reasons as to why they have denied my request. The only information they could provide me with was a XXXX number and told me that if there is anything on my consumer report that is inaccurate that I HAVE THE RIGHT TO DISPUTE IT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an investigation on the following information that appears on my XXXX, Equifax, and XXXX  credit reports. They have failed to validate the information with all creditors here in this letter and have not provided me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature. 
1. XXXX XXXX XXXX XXXX Acc # XXXX XXXX XXXX, XXXX $ XXXXAcc # XXXX {$3200.00} XXXX XXXX, XXXX, Acc # XXXX {$4900.00} XXXX XXXX 2. XXXX XXXX Acc # XXXX XX/XX/XXXX, {$44000.00} 3. XXXX  XXXX XXXX  XXXX XXXX Acc XXXX {$750.00} 4. XXXX Acc # XXXX, XXXX, XXXX, XXXX, XXXX 5. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 6. XXXX XXXX XXXX XXXX Acc # XXXX {$1900.00} XXXX XXXX, XXXX 7. XXXX XXXX Acc # XXXX XXXX XXXX, XXXX 8. XXXX XXXX Acc XXXX {$4500.00} XXXX XXXX, XXXX, Acc # XXXX {$1000.00} XXXX XXXX, XXXX 9. XXXX XXXX  XXXX {$300.00} XXXX XXXX, XXXX 10. XXXX XXXX XXXX {$2000.00} XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  the following accounts reporting on my credit report have violated my rights .All information reported to each credit Bureaus are different and mismatched. accounts # XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Including the following inquires reported ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian 15 U.S.C 1681 section 602 A. States I have the right to privacy. It also states Consumer reporting agencies can not furnish a account without my written consent and instructions.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I check my credit report regularly, but this time, discrepancies appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but it wasnt. The wrong accounts stayed there after refreshing, and now Im asking for a thorough review of the documents Ive sent, so I can stop worrying about this happening again.
Product: Credit card or prepaid card

Ok I am totally done with Goldman Sachs and there lies! I have a ton of evidence against them and I know I have won XXXX disputes out XXXX disputes and there are still XXXX disputes left which I have just won XXXX of them for {$100.00} and today received an email losing XXXX for XXXX which I am re-disputing. I also know they owe me over {$10000.00} dollars and will not reimburse me for this amount. Truce is off my enemy.I gave you the benefit of cashing out on what you owe me and you continue to want more. Not only was the dispute that I lost, you never asked for any evidence and you charged me for more than the transaction. I have enclosed all of this to lay your lying eyes on! You are a XXXX  bank who I guess is going under so you charge your customers more to make up for all your losses. Well I am done with you and want to be really done with you! Knew if I gave you some rope you would hang yourself and you did. I am sick of you saying our bank records are right and thank you for letting us address this. Well your bank records are not right and addressing the problem is not your forte! All you do is tell lies! I dont even know what you can do to fix this problem! Being honest would be the first step. Paying your debts would be the second step! Treating your customers with respect could be the next step! I had to get my own audit because you are so lame and crooked that you wouldnt do it because you knew I was right. Pay up what you owe your customers!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to put in place security freezes with the three reporting agencies. This is particularly important given my information was breached by Equifax in XXXX. I had no problems placing freezes with XXXX  and XXXX. 

I tried to place a freeze with Equifax ( the subject of this complaint ). I created an online account successfully, but their system rejected the start of a freeze. 

After several phone long phone calls, Equifax refused to place a credit freeze on my account, despite providing significant personal information online and over the phone. Equifax insisted that I send them additional sensitive personal information. When I asked what security protocols were in place to prevent new breaches, their representative was unable to provide meaningful answers nor was able to to connect me with a supervise to escalate the complaint. 

The requirement to provide copies of identification is unnecessarily invasive, given there is no consumer choice. I do not want to send Equifax any more personal information. 

Equifax seems again to be a stand out from the two other agencies in a complete lack of respect for consumers who have no choice but to interact with this reprehensible company. 

Date of online account setup : XX/XX/XXXX Second attempt to place freeze online was XX/XX/XXXX. I then tried to call, spending a very long time ( close to an hour ) on the phone, waiting for a supervisor with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Wells Fargo XX/XX/2017 XX/XX/2017 These companies did a hard inquiry on my credit. I didn't give them permission to Check my credit. I contacted the creditors and they have no proof I initiated such inquiries. I requested them to remove this from my experian report. They didn't give me an answer. I has been over two months since I last contacted them.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I recently obtained a copy of my credit report from Experian, and I noticed that it includes an entry regarding a bankruptcy filed under my name Account Number : XXXX I am formally requesting validation of this bankruptcy information, as I believe it is inaccurate. According to the Fair Credit Reporting Act ( FCRA ), I have the right to request an investigation and validation of information reported on my credit report. 

Please provide the following : 1. Documentation verifying the bankruptcy filing.

2. Dates and details of the bankruptcy case.

3. Any other pertinent information related to this entry.

Attached to this letter, you will find copies of any relevant documents for your reference. I look forward to your timely response and resolution of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Federal Trade commission Case # XXXX XXXX XXXX XXXX Case XXXX XXXX Attorney General Attachment submitted VANCE & HUFFMAN LLC Account # XXXX The account above is not mine account and I want it deleted off of my credit report ********NOT MY ACCOUNT****************** I looked over the verification letter received from Vance and I would like to formally report that the account reported is not mine. The signature recorded is not mine at all. The accounts= were money was deposited is not my account. I never requested money from XXXX XXXXXXXX XXXX XXXXXXXX im not even familiar with the company and this information need to be removed from credit report because it violating my rights.

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 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: Checking or savings account

on XX/XX/15 my phone was stolen out of my car while asleep and used fraudulently.the thief went on my XXXX XXXX ( that did have a pin # ) & requested a new pin so a verification was sent to my email which they also had access to & changed pin # and cleaned my XXXX XXXX & bank acct out in 12 withdrawals back ti back leaving my accts- {$220.00} & {$490.00} taking a total of {$2400.00}. I Filed police report ( case # XXXX ) & gave bank.i have had this acct for a while now never been overdrawn & has had at least {$3000.00} at any given time. the bank manager was extremely rude and was not helpful at all
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted BB & T credit card dispute agent. A debit appeared on my Credit card ( XXXX ) for {$15.00}. The vendor ID showed XXXX XXXX XXXX . the reference # : XXXX and transaction date of XX/XX/XXXX. 

The dispute agent to whom I spoke said that a letter would go out to the merchant I received a letter of acknowledgement from the Charge Back Services Department of BB & T on XX/XX/XXXX. The letter stated that an investigation would be conducted. The claim number for the dispute is XXXX. 

On XX/XX/XXXX a second letter was received from the chargeback services department of BB & T. The letter stated that a provisional credit had been issued.The letter advised that if future charges were made by this merchant ; I should contact the Department within 60 days. 
On XXXX XXXX another debit was made to my C.C. account. I called the XXXX XXXX Department and advised the agent that a 2nd charge from the vendor XXXX had been made.The agent said I would have to close my credit card account and open a new credit card account in order for the vendor to be blocked. I replied that closing and reopening a new credit card account was not acceptable. I asked for the telephone number of the vendor so I could contact them to dispute the debit transaction. The agent said that they did not have a telephone number for the vendor ( XXXX ) .I expressed surprise and alarm that a telephone number could not be found. The agent then advised that they could not help me. I demanded to speak to his supervisor. I was put on hold for 9 minutes. The agent returned to line to say there were no supervisors available. I advised that having no supervisor available was not acceptable. The agent advised me that he would try again to find a supervisor. I was put on hold again. 
The supervisor came on line and identified herself as XXXX. I asked her if the vendor had been contacted. She answered that the vendor had not been contacted. She explained further that the XXXX XXXX Department agents were not allowed to contact the vendors.I questioned why there was the change in XXXX policy to NOT require the vendors to provide a contact telephone number. XXXX told me that " Audible '' was a 'Subscription ' vendor and they were not required by XXXX to provide a contact telephone number.. 
I was shocked and alarmed to hear this change of policy and stated that this change made the bank punish the victims of fraud by requiring them to close their credit card account and reopen a new account while the offenders of " slamming '' ( charging customer accounts a recurring charge without their consent ), were protected. 
XXXX agreed that that was the current relationship between BB & T and XXXX. 
I requested a contact name or number for Corporate Headquarters of BB & T. XXXX provided me with an agent who secured the address of corporate headquarters for BB & T. 
So my complaint is lodged against XXXX for the changes they made in contact policy with 'Subscription '' vendors. This new policy is clearly anti-consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

filing a complaint on EXPERIAN ... XXXX   ... .AND XXXX . 
these 3 credit bureau are resonsible for leaving old accounts in my credit report. 
MY ACCOUNT SUMMERY : OLDEST IS 7Yrs. 10mos. next is 2yrs. 5mo. last ,5yrs.3mo ... 
i have not ever taken out a loan, im on XXXX. my idenity has bn. used. and my so.security # S.Secuity number as well. i have filed with the FEDERAL TRADE COMMISION ..I HAVE A INDENITY THEFT REPORT. FTC REPORT NUMBER XXXX, which i will be sending a copie in the mail of faxed to your office ...
Product: Debt collection

I received 5 calls, back to back, on XX/XX/18. This morning, on XX/XX/18, I already received 2. I receive at least 3 phone calls every day from this number, 7 days a week, to the point that I had to block it in my phone. This has been ongoing for at least thirty ( 30 ) days now. 

I am making payments to a XXXX account on a debt and I am doing so diligently, and this is the only account I have with them. As I am making payments, there is NO need to constantly keep calling me.
Product: Debt collection

Letter sent XX/XX/2023 saying owed a debt that wasn't mine. Keeps calling me at XXXX and sending lettersto my address XXXX XXXX XXXX XXXX, Mississippi XXXX. The debt is now mine or XXXX XXXXXXXX XXXX. It was paid in full, last year. Please stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made many complaints/disputes about XXXX reporting error and unfair information on my credit report. Experian has conduted superficial inquiries regarding this matter. I have asked repeatedly for Experian to conduct a reasonable investigation regarding an inaccurate late XXXX 2021, due to creditor 's lack of notification. Proof of payment coupon/notification was sent to a wrong address. Which resulted to the creditor not properly notifiing me. Supporting/Proof was sent and attached via mail.
Product: Debt collection

Cavalry is attempting to sue on a debt that fell delinquent in XXXX of XXXX, over 6 years ago which is well outside of the stature of limitations to sue in the state of Colorado. To top it off, it is to my knowledge that this debt was settled 2 years ago and has since been removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I didn't give the said Debt Collector consent to furnish this alleged debt, that is violation of 15 USC 1692d ( 4 ).

Coercing myself to pay you an alleged debt by ruining my financial reputation is a violation of 18 USC 894. Now because you all benefit at my expense, the debt collector, original creditor, and consumer reporting agencies are engaging in racketeering activity 18 USC 892 ( b ) ( 1 ) -Companies have no right to attempt to collect the alleged debt by way of judicial processes. 

Again debt collections can't lawfully : Possess by identifying information, Contact me about an alleged debt, ruin my credit, or SUE me for nonpayment of a debt.

Please understand Debt Collector or your firm have no lawful standing. 15 U.S. Code1692i ( b ) Trying to punish me for a nonpayment of a debt by furnishing it to the CRAs is a violation of 18 USC 894 and carries a criminal penalty of 20 years.

The said Debt Collector need to understand this is also aggravated identity theft 18 USC 1028A I'm demanding for the alleged debt entry to be deleted and removed from ALL CRAs effectively immediately.
Product: Checking or savings account

Chase company says I have no money in my account I had XXXX in the account plus other accounts to so XXXX total. I want it back into all of my accounts. I know they are closing accounts, I don't want them taking my money at all with out my permission. I am upset angry please tell them to put it back into my account now.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a XXXX payment reported by XXXX I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : I made my payment on time for the billing cycle, which was due in XXXX and XXXX, XXXX. However, a late payment of 30 days was incorrectly reported for XX/XX/XXXX. 
I have provided evidence of this timely payment, including bank statements showing the payment was processed in XXXX and XXXX, XXXX, and payment confirmation emails from the creditor, proving the inaccuracy of the late payment entry. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 
As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I requested Experian place a seven year fraud alert on my account after identity theft. They refused despite submitting the appropriately requested documents ( Passport, drivers license, utility bill, coverletter, form and identiftytheft.gov report. 

They denied my request suggested my identitytheft.gov report was not from a federal agency? 

How can anyone protect themselves? 

Your Report Number is : XXXX Your Investigation ID is : XXXX