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

I have noticed that the following accounts are being reported negatively on my credit file without proper verification or proof that all legal requirements were followed : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, you are required to ensure that all reported information is accurate, verifiable, and complete. If you can not provide concrete proof of my obligation to these accounts, including documentation of compliance with all applicable laws and regulations, you must remove all negative and adverse remarks immediately. 

Reporting unverifiable information is a direct violation of the FCRA and the Fair Debt Collection Practices Act ( FDCPA ). If you fail to provide full documentation on how these accounts were validated, verified, and remain in compliance with legal reporting standards, you are required by law to delete them from my credit report. 

I expect a response within the legally mandated timeframe and confirmation of the necessary corrections.
Product: Credit reporting or other personal consumer reports

Credit card company reported inaccurately on credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i initially contacted the credit reporting agencies back in XXXX. Of the three, Experian has responded and removed 2 of the accounts in question, they still haven't removed the inaccurate addresses, or the other accounts that i disputed the ownership of. I am not resubmitting the information again to all 3 Experian, XXXX, and XXXX, along with an FTC affidavit. I would like for them to do a proper investigation, no electronic verification and generic responses. I want them to take me serious.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from CFPB on XX/XX/XXXX, that you closed my complaint to protect my PRIVACY. I purchased a credit report from XXXX on XX/XX/XXXX. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were items on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX XXXXo get a report every month and I have been disputing fraudulent items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent items and have them REMOVED from my credit file.Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Below are the items that need to be deleted : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$12000.00} XXXX XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2000.00} XXXXXXXX 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 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 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 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 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 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 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 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

XXXX, Equifax and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.
Product: Debt collection

I am being contacted by Radius Global Solutions LLC on behalf of XXXX XXXX I, XXXX to collect on a debt for an account that I have never owned. 

The amount is for {$1400.00} and states the original creditor is XXXX XXXX XXXX. I have never been contacted by XXXX XXXX, nor have I ever taken a line of credit with XXXX XXXX through XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

equifax have failed to do a proper investigation of fraudulent and erroneous accounts on my credit file when i was involved in there data beach
Product: Debt collection

To Whom It May Concern : I hope this message finds you well. The reason you are receiving this message is that IC System, XXXX XXXX XXXX, XXXX XXXX, XX/XX/XXXXXXXX ( XXXX ) has a derogatory account on my credit report that is being reported incorrectly. IC System has a {$1900.00} as a derogatory balance that was last reported on XX/XX/XXXX. Please be advised that I dont owe the IC system for any outstanding phone bill. Therefore, I am asking the consumer reporting to update this information correctly and remove such derogatory and report to all three major credit agencies.
Product: Money transfer, virtual currency, or money service

I am filing a formal complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 ( a ). Specifically, Cash App failed to implement timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected, which constitutes and unfair and deceptive act or practice under the CFPA.

Furthermore, Cash Apps dispute resolution process was both unfair and deceptive. They failed to comply with the error resolution requirements mandated by the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693f, and its implementation regulation, Regulation E, 12 C.F.R. 1005.11. These laws require financial institutions to investigate and resolve disputes promptly and in good faith, yet Cash App failed to meet these obligations. 

These violations have cause significant inconvenience and financial loss. I am seeking appropriate redress for these violations of federal law.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXXXXXX XXXXXXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX Balance Owed XXXX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Owed : {$0.00} ; XXXX  XXXX Balance XXXX : {$740.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$860.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$290.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer and natural person with a right to privacy, confidentiality, and fairness. In accordance with the Fair Credit Reporting Act, the consumer reporting agency has violated my rights with accounts listed on my consumer report : XXXX XXXX XXXX - # XXXX - XXXX XXXX XXXX # XXXX - 15 USC 1681 ( a ) ( 4 ) - As the consumer, I have a right to privacy.

15 USC 1681a ( 2 ) ( A ) ( i ) - A consumer report does not include transactions or experiences between the consumer and person making the report.

15 USC 1681a ( 2 ) ( B ) - A consumer report does not include any authorization or approval of specific extension of credit, directly or indirectly by the issuer of a credit card because it is used to obtain an extension of credit.

15 USC 1681b ( a ) ( 2 ) - A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681e ( a ) - A consumer reporting agency, shall maintain reasonable procedures and limit furnishing of my consumer report under 15 USC 1681b.

15 USC 1681e ( b ) - A consumer reporting agency shall follow reasonable procedures to assure the maximum accuracy of information on my consumer report.

15 USC 1681e ( e ) ( 1 ) ( B ) - My consumer report can not be procured for the purposes of reselling information without my written instructions.

15 USC 1681g ( a ) ( 1 ) ( A ) - A consumer reporting agency must disclose all information on my file, clearly and accurately to me.
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 Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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 XXXX 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: Checking or savings account

On XX/XX/2023, I successfully withdrew {$1700.00} from this savings account to my personal checking. 

On XX/XX/2023, I tried withdrawing {$4000.00}. The amount was deducted from my available balance and shows on my account as " In Progress, '' has remained as such for over 10 days now. The account says withdrawals should take 1-3 business days, but this is taking much longer. 

On XX/XX/2023, I missed a call from Goldman Sachs. They didn't give any details except to call them back. I called them back later that day, and the agent couldn't tell me what the missed call was about. I asked about the {$4000.00} withdrawal still showing pending, and I was transferred 3 times over 30 minutes before I was told that they need to verify my identity before they can release the funds. They then said they couldn't send a verification PIN to my phone because their system says my phone is inactive, even though I'm currently speaking to them on that same phone. They said they'll submit an internal request to review the transaction and the call ended. 

On XX/XX/2023, I called support again. I was on the phone with them for 14 minutes, and then they dropped the call. I called again, was transferred yet again, and this time they said the withdrawal is on hold due to security review, even though I received no notice and it doesn't show as such on my end. Once again, they said they need to verify my identity via one-time phone PIN, and then said they can't because my number is inactive, even though - again - I'm calling on that same phone. I asked if there's any other way to verify and they said no. They said to call XXXX XXXX XXXX to make my number active, even though I'm literally speaking to them on the same phone, and have had no issues with one-time code messages in the past. Again, they said they'll have to do a manual review. They said it can take 24-48 hours, and they may decide to deny the withdrawal. 

Meanwhile there is nothing I can do, and presumably the money I withdrew isn't accumulating interest, nor do I have access to it, with no reasonable way to solve the problem.
Product: Mortgage

NHBA took XXXX from me, promised to clean credit, get in a first home buying situation. NHBA have had # K of my hard earned money without anything in return for my money. I received a FHA approval letter up to!! ) K and Conventional up to XXXX but No one in the city where I reside can do anything I must work with a staff person in another state inconvienously so. She has requested many documents every years. I send them she. Half heartedly sent some credit items to pay off then made a thin excuse for not sending anymore. This transaction happened in XX/XX/XXXX .I am soon to turn XXXX in XX/XX/XXXX without a home as of yet. I guess she thought I would go away or die by now but I 'm yet alive and yet working to hold my income higher by yet in the full time employment stag of life.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Mortgage Company - Freedom Mortgage has reported that I did not pay my XXXX 2017 Mortgage payment. I did pay my XXXX Mortgage payment and they immediately cashed my check although they state there was an increase in my impound account, which I was not notified of. After numerous phone calls to resolve this issue it appears to have been a bookkeeping/automated check deposit error. Yes, apparently my impound was increased in XXXX, I was not made aware. They deposited my XXXX payment which is made automatically through my bank. Also XXXX. Each month my payments are made on time and I had no reason to believe that there was any problem. They are saying I did not make my XXXX payment due to the increase my check was put into a " suspense account '', but cashed immediately and NOT APPLIED to my account. They then reported to my credit history that I did not make my XXXX payment. I have spoken to several people within the company, most recently Vice President XXXX XXXX at XXXX. He is in California. He said his Correspondence Group is denying retraction of the bad credit for non payment. Also today 's recording of my amount due is different than what my recent statement indicates. I have bank statements showing all payments made in a timely manner. Please help me. I have an FHA loan and was getting ready to refinance to a Conventional loan. I have over {$300000.00}. in equity in my home and have owned it for 14 years and never missed or been late on a payment and was n't this time. 

Thank you for your assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I tried to obtain my free credit report from Equifax at XXXX : XXXX after filling in all my information including my social security number and date of birth and confirming my identity I was told I would get a text code to verify. When I hit send I received an error message to contact at XXXX XXXXXXXX. After being on hold for almost an hour I tried to go on Equifax 's site at XXXX XXXX XXXX I setup an account and after confirming my identity I received another error to contact Equifax. I have input twice on these sites my social security number and date of birth and I received no credit report. Is this is a scam?! Please investigate. Thank you.
Product: Debt collection

On XX/XX/2019, I requested a validation of debt to Professional Credit Service ( PCS ) via US Mail. The alleged debt is {$200.00} from XXXX XXXX. I requested documents to be sent to me via mail, and I informed the company to cease all telephone calls and robo calls to me, family member, friends, and associates according to the Fair Debt Collection Practices Act ( FDCPA ). The company sent me a letter XX/XX/XXXX requesting additional information. I sent another letter on XX/XX/XXXX explaining to them that the only information I had was the information reported in my credit file. For the second time, I sent PCS a copy of my credit report which shows their information. I do not owe this debt. 

On Wednesday, XX/XX/2019, a representative ( XXXX XXXX ) from PCS called me from ( XXXX ) XXXX at XXXX on a recorded line. This company, Professional Credit Service, has violated the FDCPA by calling me after I insisted them to cease collection and calls. 

Until this date, the company has not provided validation of debt.
Product: Consumer Loan

I leased a Ford vehicle from Ford Motors in XX/XX/XXXX. When my lease expired in XX/XX/XXXX, I had gone over the mileage by about XXXX miles. XXXX ( XXXX ) told me that if I came to their dealership and leased a XXXX ( two hours away from me ), they would do a buyout of the Ford vehicle which would also take care of the extra mileage charge from the Ford. I left the XXXX dealership with a new XXXX XXXX and left the Ford with them. A few months later, I received a statement from Ford but it went to my parents house in another city. They tossed it aside because they knew that I no longer owned a Ford. Finally, after getting a few of these statements, they found that Ford was saying I was delinquent with money owed to them and it was sent to a collections agency. I found out that the money I " owed '' was for going over the mileage with the Ford. I called XXXX while very upset and they assured me that they would take it up with XXXX and that I owed Ford NOTHING because they did a buy out which included that extra mileage. Nowadays, I consistently check my credit score on websites and the derogatory remark from Ford was gone - I thought everything had been taken care of. Today, I tried to get my first time home owner 's mortgage loan and was denied because of a derogatory remark from Ford Motors. This is apparently still on my credit report and I do not owe it. At this point, I do not know what else I can do to have Ford and XXXX correct their mistakes.
Product: Credit reporting or other personal consumer reports

Hi I checked my credit report as I am about to apply for a new apartment and saw these collections on my report which I do not recognize at all nor ever had any business with these companies they claim to represent. I have called and asked for information but they said that they can not find my information in their database but they are still reporting it on my credit report which is affecting my ability to move into my new place. I have submitted disputes with credit bureaus to no avail and I have requested debt validation from this company and they have failed to provide me with ANY proof or any response. It has passed the timeframe from when they were supposed to respond more than once and I feel they are ignoring me at this point. I just want this removed from my reports as this does not belong to me if it did I don't mind paying it and resolving it but they won't give me any information. It is frustrating dealing with ic systems and I hope you guys can help! Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX Balance : {$6300.00} ; XXXX XXXX XXXX Balance : {$4300.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$540.00} XXXX XXXX XXXX XXXXXXXX Balance : {$610.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$17000.00}
Product: Credit card

I took an award flight with XXXX XXXX on XX/XX/XXXX, using miles with XXXX XXXX Credit card. Annually, I am entitle to XXXX, XXXX XXXX  miles credit after taking the award miles. I reached out to a customer supervisor on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to figure out why I have not received the point. Upon the supervisor investigating the issue, she informed me that there is a known issue when issuing the XXXX miles to my XXXX accounts. She informed me that she found a fix and would take 5 business days or so. Fast Forward, I did not get the promised point so I called again on XXXX XXXX XXXXXXXX XXXX to follow up on this matter for another XXXX minutes. She assured that she would reach out to the right department to get this resolved and again no points have been credited to my account. 

I also utilized Chase 's secure message function and they are claiming that they have posted the award on XX/XX/XXXX which is not true because it's not posted. I am assuming they may have posted but may be experiencing the technical issue that the supervisor was describing above. 

At the end of the day, they know they have not posted the awards to my account and they can't seem to figure this out or not willing to fix it.
Product: Credit reporting or other personal consumer reports

I have unauthorized inquiries on my credit report with Experian, someone used my social security number for personal gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXX XXXX has violated my rights. 
15 usc 1681 section 602 states I have the rights to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish account without written instructions 15 usc 1666B : a creditor may not treat a payment on a credit card account under and open. And consumer credit plan as late for any purpose.
Product: Student loan

Hello, I called a number I thought was related to my Great Lakes XXXX XXXX but it was actually a scammer. Their number is XXXX. They got my social security number and were able to change my password on studentaid.gov.
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 XXXX # XXXX, has violated my rights.

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.