23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I told Equifax that XXXX XXXX XXXX XXXX XXXX TN XXXX does n't belong to me. After a long battle going back and forth they finally removed it on XXXX/XXXX/2016. I just repulled my credit report and they have it back on there. I told them it is not my address, I want it removed from my credit report. I am attaching the letter they sent me removing it.
Product: Checking or savings account

This is current banking mobile. I request a dispute for {$1400.00} that somebody stole from me on XX/XX/XXXX which was a work check I just received at XXXX while I was at work and I seen that it said I sent {$1400.00} to XXXX at XXXX I immediately made a dispute claim at XXXXXXXX XXXX and I dont know an XXXX and and I provided a police report on XX/XX/XXXX. Once I provided the police report they refunded me {$30.00}. I had to wait 10 days for me to get a resolution for my {$1400.00} dispute and didnt get a resolution until my XXXX day and they denied it. They told me I couldnt make another dispute because it was final but I couldnt even get in contact with nobody to talk to them to explain that I have proof that somebody stole my money!! I just want my money back
Product: Mortgage

I was called by quicken loans/rocket mortgage to reduce my interest rate. Before giving consent to a person named XXXX, she pulled my credit report without my consent. I told her I was working on credit repair and did not want to have my report pulled since quicken has not been able to help me in the past with refinancing due to student loans. She advised me that she could help, i again repeated not to pull my credit when she revealed she had already done so withoutmy permission. I have asked quicken file a dispute on my behalf that it was illegally pulled without my permission as verified by a recorded line and they have not done so.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ). due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent 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 Regulation 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

I disputed the accuracy and completeness of this account with the credit reporting agencies and the account was supposed to be reinvestigated by the furnisher and deleted if errors were found. I received an updated copy of my credit report and I still found errors with this account on my credit report. 

From my understanding this gives me a private right of action to file a claim under the FCRA with 15 USC 1681s-2b supporting my claim.

I believe I meet all the elements of an FCRA Claim and I have the standing to file arbitration if need be.
Product: Credit reporting or other personal consumer reports

XXXX and Experian continue to allow inaccurate and false reporting on my credit. XXXX XXXX not only violated the MLA and EFTA, they continue to violate FCRA as they report a late payment each month even though account is nearly 7 years charged off. This is a double negative on my account- the derogatory information for charge off and subsequent late pays each and every month. The nearly XXXX balance is wildly inflated and accounts for a significant amount of inaccurate debt on my report.
Product: Credit reporting or other personal consumer reports

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 XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my XXXX credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Mortgage

Ocwen Loan Servicing , Inc. reported that I didn't pay my mortgage for many months and that's not true. 

I have ALWAYS paid my mortgage every month using XXXX XXXX XXXX  auto-pay. I pay it in ( 2 ) payments to keep my cash flowing. 

I did not realize they increased my mortgage due to an escrow increase so now I was UNDER-paying my mortgage and this went on for months without my knowledge. 

I only knew something was wrong when my credit score plummeted from XXXX to XXXX because I was reported as delinquent. 

The minute I understood what happened, I express-paid the balance for the tax increase of {$2600.00} and I increased my mortgage payments as well. 

I would greatly appreciate the credit bureaus showing I am paid up and on time. 

Thank you. 

XXXX XXXX Cell : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I received a phone call from someone named XXXX on XX/XX/XXXX in the evening. He said he worked for XXXX and gave me an ID number. He then told me someone in Ohio was trying to use my account fraudulently. With my phone number, he was able to gain access the cell phone I was talking to him on and told me that he found my information necessary to stop the fraud. After we finished the call, my daughter ( she does my banking ) told me I had a significant withdrawal from one of my Chase bank accounts. 
When I logged into my account, I saw t {$490.00} had been sent to someone named XXXX XXXX! I never authorized this or any money to be sent to anyone named XXXX or XXXX! 
I filed a claim with Chases Fraud department. On XX/XX/XXXX Chase refunded me the {$490.00}. 
Today, XX/XX/XXXX, I was alarmed to find that Chase has withdrawn the money taken from me fraudulently. When I called Chase and spoke to numerous representatives until I reached a Supervisor named XXXX. He told me that this XXXX XXXX told them I willingly sent him the {$490.00} through the XXXX ap, which was a bald face lie. At that point, Chase took this scammer criminals word over mine without a shred of proof and took my money again to give to this guy, whoever he is! Now, Im out {$490.00} because Chase believe some liar over their own loyal customer! 
Im totally disappointed and distraught over this situation. Not only has my money been stolen, but my daughter thinks this guy put some kind of tracking ap on my phone against my will! Im going to have go down to the XXXX store to get it removed. Im XXXX years old and my husband is a XXXX year old Veteran with XXXX. This is a real mess we dont need to be dealing with at our age. Please help.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my personal financial information to the credit agenciesXXXX, Equifax, and XXXXwithout my written consent for 2 accounts ( accounts starting and ending in XXXX & XXXX. Effective immediately, they need to cease submitting this information, as it constitutes a violation of the Fair Credit Reporting Act ( FCRA ). 

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX, Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Equifax, XXXX, and XXXX XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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. '' These accounts are an adverse item XXXX XXXX is reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Product: Credit reporting or other personal consumer reports

I am contacting Experian in regards to XXXX # XXXX that was submitted on XX/XX/year> through CFPB regarding XXXX XXXX. Experian has stated they have investigated and marked my report as verified/acceptable. I am now asking Experian for verification of method of investigation. Please advise Experian has a 15 day window allowable to provide the method of verification according to FCRA. If not provided within 15 days this will be a violation of my rights and I will seek damages.
Product: Debt collection

RE : Unauthorized Accounts/Inquires To Whom It May Concern : I recently reviewed my credit report and found unauthorized Accounts/Inquiries that are attached to this letter. I disputed these accounts on XXXX they came off due to violations listed on the bottom of this page. I would like to see the same for XXXX & Equifax. 1.XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX XXXX 4XXXX XXXX XXXX  I have these three negative accounts on all three credit Bureaus. I've disputed an account from XXXX XXXX XXXX & two accounts from XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) Equifax ( XXXX XXXX ) XXXX ( XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX ) I have inquiries from on my credit report that did NOT get my written instructions & I have the right to privacy and confidentiality under 15 USC 1681. 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 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 or other personal consumer reports

I have attempted on multiple occasions to obtain proof of my late payment when I have never paid anything late as you can see on my credit report. I have XXXX XXXX  homes and many auto loans in the XXXX XXXX XXXX and have never paid anything late. This is a reporting error on behalf of XXXX XXXX XXXX and the credit bureaus have failed to correct it. This account is now closed and paid off but the late payment for XX/XX/year>2024 is incorrect. Please help me in getting this issue resolved so they can reverse the late payment thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below is a copy of a notice regarding the results of a dispute to Equifax. 
However, when I tried to access the results my login is rejected. Additionally, when I have called my calls are placed on hold and not answered. Presently, I am holding on the phone now for 1.25 hours. I can not get the results even when I try to change the password. The response is that I must call ( XXXX ) XXXX. I can not get through to a representative on that number either. 




Reminder : Your Equifax Credit File Dispute is Complete Inbox x  Equifax XXXX XXXX XXXX ( 12 hours ago ) to We've completed your Equifax credit file dispute View in browser MyEquifax We've completed your Equifax credit file dispute. 
View your completed dispute online MyEquifax  We've received your dispute and it's in process Your dispute is complete and ready to view online Dear xxxxxxx As a reminder, we've completed your Equifax credit file dispute, and you can view your results online. Your dispute results will remain online for 24 days. You may not be able to access your results online after XX/XX/2020. 
Your Equifax credit report dispute confirmation number is XXXX VIEW DISPUTE STATUS Thank you for giving us a chance to better serve you! 
Credit Disputes 101 If you find incomplete or inaccurate information on your credit report with one nationwide credit bureau, you may want to check your credit report from the other two nationwide credit bureaus to see if their credit reports also include the same incomplete or inaccurate information. 
VISIT XXXX  VISIT XXXX Frequently Asked Questions What should I expect after filing a dispute? 
After completing your dispute review, we will make changes to your credit report based on the information you provided if we are able to. If not, we will contact the reporting company to verify the accuracy of the information you're disputing. 
Read more How do I update or change my name or address on my Equifax credit file? 
We recommend that you contact each of your creditors to confirm that your personal information is correct in their records. Updating your personal information with your creditors will help make sure the information reported to Equifax by your creditors is correct. 
Read more LEARN MORE 2020 Equifax Inc. All rights reserved. Equifax and the Equifax marks used herein are registered trademarks of Equifax Inc. Other product and company names mentioned herein are property of their respective owner. 

Please do not reply to this email. Mail sent to this address will not be answered. If you any questions, please call us at ( XXXX ) XXXX between XXXX XXXX. and XXXX  ( ET ), 7 days a week. You may email us anytime at XXXX. 

If you have previously unsubscribed, you will no longer receive special offers, but will continue to receive important emails from Equifax. 

Copyright Equifax 2020 | Privacy Policy | Terms of Use | FCRA Equifax Information Services, LLC | XXXX XXXX XXXX | XXXX, GA XXXX
Product: Money transfer, virtual currency, or money service

I needed to send a vendor {$3500.00} and Bank of America said I could do that quickly from my personal checking account to their personal checking account. The vendor gave me their information. I put through the transfer. A few minutes later Bank of America put the transfer on " hold. '' I do not have the option to cancel the transaction or re-do it. 

I called the BofA service number. I was put on hold for XXXX minutes and then was disconnected. 

I called the BofA service number again, and selected the " call back '' option. They called me back in about XXXX minutes. An automated voice called me back and said BofA couldn't help me at this time and disconnected me. 

I want this transfer either put through or cancelled. There is apparently no way to do that, and meanwhile it is on hold indefinitely, and no one at Bank of America will talk to me. 

I have attached the notice from BofA from their website.
Product: Debt collection

Tek-Collect is trying to collect a medical debt which should no longer be reported on consumer reports and this debt does not belong to me. I requested verification of the debt and have not received satisfactory proof. 

The amount of the collection is XXXX and was opened on XX/XX/year> according to my XXXX, XXXX, and XXXX credit reports
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I have been a victim of a data breach resulting in identity theft. Unauthorized accounts and inquiries have been fraudulently associated with my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that the following accounts and inquiries be blocked and permanently deleted from my credit file. 
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 XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information on my credit report under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the reporting of incorrect information without proper validation violates 15 U.S.C. 1692e ( 8 ) ( failure to notify credit reporting agencies of a dispute ). Per 15 U.S.C. 1681n and 1681o, willful or negligent noncompliance may result in legal action. Please remove or correct these inaccuracies immediately to ensure compliance with federal law.
Product: Checking or savings account

My checking account with Eastwest bank was closed this XXXX, due to reason of inactivity, according to the bank. It's a questionable action from the bank in the first place, since this account has regular activity. 
After that I received a email from the bank asking me to provide ways of receiving remaining funds in the closed account. I replied the email, asking them to send a check to my mailing address. Since then I have contacted the bank several times, and still hav n't received the funds yet.
Product: Debt collection

Per conversation on the phone I had an outstanding debt that went to collections. I called and told them I wasn't able to make any payments because I became XXXX and lived in XXXX XXXX and when XXXX hit I was in a financial hardship. The date I sent a payment in full I asked if all negative remarks would be removed from my credit report and account would be marked paid in full. They agreed verbally and I sent a payment of {$3500.00} over the phone. I recieved a letter the debt was paid days after. Its still on my credit report I tried calling but they aren't keeping there end of the bargain. If it was just a couple dollars I wouldn't care but the fact I was back on my feet and put over $ XXXX to pay it in full I made sure to come to some agreement. When I go online to look at the prior loan all infomation is deleted and I get an 404 error. The page can not be found. So now It looks like I never had a loan.
Product: Checking or savings account

I was incarcerated  between XX/XX/XXXX until XX/XX/XXXX. During that time a female used my debit card and bank account fraudulently which included debit transactions, ATM withdrawals and checks being written and cashed without my consent. 3 checks were written for the amounts of : {$2400.00} on XX/XX/XXXX, {$400.00} on XX/XX/XXXX, and {$2600.00} on XX/XX/XXXX. Also the female made debit withdrawals and transactions totaling to the amount of : {$6200.00} I never gave consent for her to use my debit card or account nor is she attached on my Wells Fargo account for authorization at all. I've put in a claim for both debit card fraud and check fraud with the Wells Fargo banking company and I'm currently trying to be reimbursed for the fraudulent use but I am getting nowhere and I feel they are making it difficult for me rather than help me with this situation. I've given police report and proof of incarceration. In the beginning I was denied my claim and I called to dispute the decision which then I was told that the claims was escalated to and higher person in the department for review and that I need to send a police report and proof of incarceration  at the Wells Fargo bank to be faxed over to claims department which I did accordingly. Still no actions has been taken into consideration.
Product: Credit reporting or other personal consumer reports

I have attached the settlement email I received today, even though XXXX has been paid in full per the settlement agreement as of XX/XX/XXXX. I have highlighted key points in the agreement which are being violated, since XXXX has been paid in full, per the agreement. I have also attached my bank transactions that have cleared. I have attached the credit report updated on XX/XX/XXXX, where inaccurate information has been reported, again. I have filed another CFPB complaint number XXXX against XXXX with this complaint, due to new information came in.