23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Even though we missed a payment in XXXX we have worked our way back to paying by the month. The mortgage company has indicated of foreclosure because the representative is complaining we haven't paid by the XXXX of the month. We told the representative it would be paid by the end of the month. As I mentioned we pay by the month. I am XXXX and unable to work and get paid on certain days and that can't be changed. Now the company Ditech has hired a 3rd party agency who drops off a blank envelope to hang on my door. Ditch had done this to us before and we have warned them not to do this. Number 1 it is illegal and harassing by law for a 3rd party to deliver more than once. Number 2 leaving something hang on the door attracts thieves to a person gone from the premises. I've sent a warning to Ditech to share with this agency that he will be arrested by the Sheriffs Office for harassment. Our payment record will show we often pay more than required to offset the escrow from the loan. This action against a U.S. citizen with XXXX is inappropriate and shows you where we are as a society.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a hard inquiry on my credit report from XX/XX/2019. While we were going to use XXXX XXXX we couldn't/did n't in the end. I don't want their hard inquiry sitting on my credit report for two years since I didn't even use their product.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, {$7700.00} XXXX XXXX {$160.00} Late Payment XXXXXXXX XXXX {$57.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my 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 general 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: Money transfer, virtual currency, or money service

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

I did not consent to, authorize nor benefit from any of the following inquiries. Block and remove them. 
XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX. XXXX XXXXXXXX XX/XX/2021
Product: Credit card

On XXXX XXXX, 2017 my XXXX XXXX Bank where I have my checking account paid Bank of America {$12000.00} for a credit card payment. My Bank of America credit card balance was only {$120.00}. I made the error in the payment, as I neglected to insert the decimal point. I discovered this error on XXXX XXXX, 2017 whereby I called Bank of America, and they said the difference would be refunded to me in two to five business days. Well today, Friday, XXXX XXXX is the fifth business day and the {$12000.00} that Bank of America owes me is still not refunded back to my checking account. Therefore, I called Bank of America and was now informed that these funds were not going to be in my account until XXXX XXXX. I was livid, to say the least. How can a huge banking entity such as Bank of America justify keeping over {$12000.00} of MY money for two weeks? That is ludicrous.
Product: Credit reporting or other personal consumer reports

Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

XXXX XXXX XXXX XXXX XXXX Acct # XXXX
Product: Credit card or prepaid card

I notified this bank that I was being impacted by COVID-19 and they still reported my payment as late. I have called and spoken to several representatives and they are claim that they are not able to reverse it. XX/XX/2022 was still reported as late, even after I had notified them that I was impacted.
Product: Credit reporting

A dispute was submitted to Equifax concerning three accounts : XXXX XXXX XXXX and XXXX XXXX. Each account reflected a negative remark that has adversely effected my credit report. XXXX XXXX XXXX is a collection agency who during several conversations with most recent occurring on XXXX/XXXX/XXXX is updating my credit report in behalf of XXXX XXXX XXXX XXXX. A conversation was held with a XXXX representative named XXXX XXXX on XXXX/XXXX/XXXX at approximately XXXX on a recorded line. XXXX XXXX was informed of the situation with the co-pay and the outstanding balance in the bills. He informed me that the bills have been charged off and that XXXX has no interest in them. When he was asked about collections he stated that the bills were sold to XXXX XXXX Systems on XXXX/XXXX/XXXX. XXXX XXXX was asked about adding collections to credit reports and he responded by stating that XXXX does not report medial bills to collections nor do the ask the medial collection be reported on credit reports. He then stated that XXXX XXXX XXXX has not been authorized by XXXX to added collections to credit reports. XXXX XXXX then stated that XXXX XXXX XXXX is merely a third party collection company that is trying to collect a payment for there benefit because they now own the debt. This is conflicting information as because in a response to a previous dispute filed XXXX XXXX XXXX who is the parent company of XXXX XXXX XXXX stated that they were acting on behalf of XXXX and updating on behalf of XXXX. They claim that they do not own the debt but it was reported by XXXX that the debt was sold to XXXX XXXX XXXX on XXXX/XXXX/XXXX which is reflected on my credit report. Documents are attached to verify the phone conversation with XXXX XXXX XXXX and to verify that XXXX XXXX XXXX has stated that the are acting on behalf of XXXX. 
In regards to the XXXX XXXX account there have been late marks added for XX/XX/XXXX and XX/XX/XXXX which should not be there. The car was paid in full XX/XX/XXXX as a result of trading my car in. XXXX XXXX overnighted a check on my behalf. As for XX/XX/XXXX we did not own the vehicle. Attached is the letter from XXXX confirming the debt was paid in full.
Product: Debt collection

I have over a 90 day period dispute this account auto debt to remove this account with credit bureaus. Due to many inaccuracies. I sent a demand to comply letter. My letter to the Credit bureau have gone unaddressed within 30 days. The credit company is not complying with their own policies in a timely manner. I need the account ( XXXX XXXX  ) to be removed from my credit profile immediately.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
The existence of this account has caused me XXXX XXXX, to XXXX XXXX where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXX/XX/XXXX
Product: Credit card

CITI Credit card was closed on XXXX XXXX, 2016 and they are billing me for interest charges of a card that has been closed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to address my dispute regarding unauthorized inquiries within the legally mandated timeframe. On XX/XX/XXXX, I sent a detailed and time-stamped dispute letter ( attached ), supported by an FTC Identity Theft Report and referenced in CFPB Complaint ID XXXX, requesting the removal of specific unauthorized inquiries from my credit report. Despite providing clear evidence and following proper procedures, Equifax has failed to acknowledge or resolve the issue. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), Equifax is required to investigate and correct disputed information within 30 days. It has now been over 90 days, and no corrective action has been taken, which constitutes a clear violation of the FCRA. The following inquiries were unauthorized and must be removed from my credit report : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. XXXXXXXX XXXX XXXXXXXX Balance : {$76000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$89000.00}
Product: Debt collection

Hello I have received a notification of a debt owed to Pay pall by a Debt collection Agency, for debts from XXXX {$320.00} but I have never heard from Pay Pall about this before. This is very odd that they took six years to initiate this action. According to XXXX, the last payment l made to Pay Pall was in XX/XX/XXXX ; the charge is from XX/XX/XXXX, and I closed the account sometime in XXXX. I asked for a summary of the debts but what I got does not tell me anything. I have tried to contact Pay Pall directly but they are not accepting calls at this moment. The Debt Collector is XXXX XXXX XXXX XXXX. Account Number XXXX, Reference Number XXXX. 
What I need is to verify that I really owe this debt, since, as far as my knowledge goes, I keep my bills in good stand, and this is really inexplicable that Pay Pall would take this long to initiate this action without having ever contacted me. I need to know that this debt is legit.
Product: Credit card

Dear CFPB I wrote by mail to you in XX/XX/XXXX; explained below in detail. Please see summary ; On XX/XX/XXXX ; I was notified by other investors, customers and employees that my ( now ex ) XXXX XXXX XXXX frauded the company, customers and all the funds sent by me, all the credit cards, loans since XX/XX/XXXX ; in amount exceeding XXXX XXXX. I also immediately contacted credit cards, credit score companies by phone ( hours spent ), loan companies, banks, and I was told this was " a civil matter '' to be brushed off and they didnt ask or go after the perpetrator who used XXXX XXXX XXXX to fraud me and others. All 11 banks and loan companies refused to help me. So I went on a search, this is not as they claim a civil matter. THIS IS A FEDERAL crime, and all the records will show that I begged pleaded with these companies, yet they continued and still continue to come after me. I then by email, mail contacted my senators, law enforcementand and law offices of XXXX XXXX in XXXX who handled XXXX XXXX case, to prosecute him. I am writing to inform you to inform all credit card companies, loan companies, credit score companies and reply to me that you received my letters. All the cards and loans in my name XXXX XXXX are used and my funds by this perpetrator, XXXX XXXX  and his accomplice XXXX XXXX  I ask you to notify these banks as well. As the perpetrator committed a crime of fraud, false documentation, fraud invoices, investment scam, identity theft, tax fraud among many others, I thank you for your support in advance. You can also contact my attorney XXXX XXXX and direct these banks : XXXX XXXX He | Him | His Partner XXXX XXXX XXXX XXXX XXXX, NY XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Kind Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Not given any insight into this debt. 

XX/XX/XXXX - received a request for payment from " Dynamic Recovery Solutions '' XX/XX/XXXX - i responded with a debt validation letter to confirm i have a legal obligation to pay them. 

XX/XX/XXXX - XXXX received an anonymous phone call from a 3rd party shipping company to sign documents. was told to call " XXXX XXXX '' AKA " XXXX XXXX '' @ XXXX that only they can arrange another shipping time. 
XXXX 1st phone conversation @ XXXX, the representative refused to provide an address to send a debt verification letter to dispute their claim. When i advised that the time they chose to deliver the documents is inconvenient, i was told it will be more inconvenient when they take me to court. I asked if he could provide documents of the debt. The XXXX XXXX responded that i will see the documents in court. 

XX/XX/XXXX - XXXX received a 3rd party mail service package. contents are from " Dynamic Recovery Solutions '' requesting payment. I called XXXX as directed in the documents. Representative " XXXX XXXX '' from " Dynamic Recovery Solutions '' advised that they have owned this account since XX/XX/XXXX and no one else. 

XX/XX/XXXX - XXXX called back " XXXX XXXX '' and advised of the package received. representative advised they they own the chain of title and they will see me in court.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

on XXXX I requested a validation request, but you only provided a verification Subject : Follow-Up Regarding Disputed Debt - US DEPT OF THE TREASURY Dear TransUnion, Thank you for responding to my formal dispute submitted through the CFPB Complaint Portal . While you have stated that the item " Trade : US DEPT OF THE TREASURY '' was verified as belonging to me, your response did not address my specific request for detailed validation of this debt as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

To clarify, I am requesting : Evidence Used for Verification : Please provide all documentation and evidence relied upon during the investigation, including communication with the furnisher of the information.

Validation Details : Specific information regarding the debt, including : The exact amount owed.

The name of the creditor to whom the debt is owed.

The date the debt was incurred.

Documentation demonstrating that I am legally responsible for this debt.

Proof of assignment or transfer, if applicable.

A copy of the original contract or agreement, if available.

Under the FCRA, you are required to ensure the accuracy and completeness of all information reported in my credit file. Simply stating that the debt was " verified '' is insufficient without providing the requested details to substantiate the claim.

Additionally, if you can not provide this information, I demand that this item be removed from my credit file immediately. I also request that this debt be marked as " disputed '' until resolution is reached, as per federal law.

If this matter is not resolved promptly and satisfactorily, I will consider filing a complaint with the CFPB, the FTC, and other relevant regulatory authorities. I reserve the right to pursue further action to protect my rights under the law.

Please confirm receipt of this correspondence and provide a timeline for your response. I look forward to your prompt attention to this matter.

Sincerely,
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft resulting from the Equifax data breach, which has led to the inclusion of incorrect names, addresses, and employers on my credit report. Despite multiple attempts to dispute and resolve this matter with Equifax, they have not taken the legally required steps to address these inaccuracies. Below are the details of the violations : FCRA 605B ( 15 U.S.C. 1681c-2 ) : Identity Theft Block Equifax is required by law to block any information resulting from identity theft within four business days upon receiving proof. Despite providing all necessary documentation, Equifax has failed to block the fraudulent information associated with my identity.
Product: Credit card or prepaid card

Despite permanently Opting Out of unsolicited credit card offers over a year ago, I have continued to receive offers in the form of junk mail from Capitol One, with whom I am completely unaffiliated. I called Capitol One and asked to be removed from their direct mailing lists. They claim to have complied, but I want to report their violation of the federal Opt Out Prescreen program.
Product: Debt collection

MERCHANTS & MEDICAL CREDIT Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2024 Status Collection account. {$5.00}, XXXX past due as of XXXX XXXX 
Status updated XX/XX/2024 Balance {$5300.00} REMARKS : Original creditor XXXX XXXX XXXX has not provided any documentation of debt nor cooperated to release any notice of itemized services provided. Attempted to contact merchant on XX/XX/2024, who reported balance and answering rep. received request. Rep. could not assist and forwarded request to office manager who has not responded to efforts to resolve matter by phone.
Product: Bank account or service

Bank of America is in the process of closing my account. I have $ XXXX in my checking account that they will not release to me. I 've called the number directed to call and left several messages. No one has responded with any information. I went to the branch and advised to call the XXXX number again. I want my funds released to me