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

I received a letter from Equifax on XX/XX/XXXX that states they were unable to pull up my credit report. I know this is a false response because the letter I sent calling for an investigatio included all of my credentials, my social security number and also my drivers license number. I requested several things, first requesting the method of investigation and documents provided fromm the data furnisher concerning three accounts which I have listed below. 

CCS COLLECTIONS acct number XXXX XXXX XXXX acct number xxxxxxxxxxxxxxxx XXXX XXXX xxxxxxxxx XXXX Equifax has not complied with my request for them to follow the law. They have not provided a method of verification, they have not provided documents showing how they verified the accounts and instead sent me a letter stating they were unable to find my credit report although my credentials were provided. I am asking XXXX to assist me in getting Equifax to comply with the law and immediately delete the above tradelines. I have attached the letters I received from Equifax in an attempt to stall with complying with the law and granting my request in which they are legally required to do.
Product: Debt collection

Disputed debt because they have not provided me a copy of any original documentation required under section 609 ( a ) ( 1 ) ( A ) & sections 611 ( a ) ( 1 ) ( A ) .. ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 

The law is very clear as to be civil liability and the remedy available to me for negligent noncompliance ( SECTION 617 ) if you fail to comply. IAM a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Mortgage

I am a father of XXXX who recently lost his wife and got behind on my mortgage. I had a payment plan with Wells Fargo home preservation who asked me to make three consecutive on-time payments of which I made two and was unable to pay the third because of insufficient funds do to other payments that went through at the same time. I tried to get another payment plan I sent Wells Fargo all the information they requested and they told me they could not find me a plan. 13 years of mortgage payments made on time and because of one bad year Wells Fargo is trying to foreclose on my property
Product: Consumer Loan

I purchased a vehicle in XXXX XXXX. The vehicle was totaled on XXXX XXXX, XXXX, and the bulk of the loan was paid by XXXX XXXX on XXXX XXXX, XXXX. The remaining balance was covered by GAP insurance, however, the GAP insurance company needed information from the lender to payout the claim. From XXXX to XXXX, I contacted the lender several times in reference to them submitting the requested information for the GAP claim, however, they never responded. Instead, I would receive infrequent calls from their collections department demanding payments. In XXXX, XXXX, I spoke with XXXX in upper management after receiving a collections call and she indicated that she was not sure why the requested information was not sent to the GAP insurance company. She submitted the information to the GAP insurance company and the claim was immediately paid. I received a refund from them for monies paid towards my down payment for the car, and an adjustment of the late payment fees, However, they are reporting and verifying to the credit breau that I was six months late on my payments.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report inaccurate information. My name is XXXX XXXX, this is the only name I am known by and the ONLY correct spelling of my name. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These variations should be deleted immediately. 

My address is XXXX XXXX XXXX XXXX, GA XXXX there should be no other address listed on my report it is not mine and it is causing me to be denied credit and receiving my mail in a timely fashion. 

Experian is reporting these inaccurate addresses. 

XXXX XXXXXXXX XXXX XXXX GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX I have previously disputed this information and it is still not removed from my consumer report. Neither company has my permission to damage my consumer report. My ID and SSC are attached to this dispute. I have previously sent these same documents with proof of my residency and neither company complied with federal law under the FCRA. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) 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.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email starting there was a change in my Transunion XXXX XXXX. I processed to go to my credit report to find that someone used my name and inaccurate information putting my Excellent Transunion score to drop a XXXX points putting it in the fair score. On the report was a complaint to Transunion that I was behind XXXX payments on a loan. The lending Company known as XXXX XXXX XXXX loan someone a loan using my information stating I was behind by XXXX payments to the tune of {$3600.00}. I called Transunion on XX/XX/XXXX about the issue. They told me to call the company. I called XXXX XXXX XXXX about the issue and they told me to get a police report and send it to them. On XX/XX/XXXX I got a police report and sent it to XXXX own leasing company. After talking to a XXXX and going over all the information, the rep. Acknowledge the information was incorrect. I have freeze and fraud alerts on my third credit reporting agencies which didnt work for me. Come to find out their a company that doesnt use credit reports for a criteria to get a loan. So after XXXX missed payment they report it to Transunion which then harmed my credit standing. After not hearing anything I called XXXX XXXX XXXXXXXX on XX/XX/XXXX for a follow up. They told me they would email me everything and never did that. I want that to be removed from my credit report as they potentially could harm me if I needed a loan. It needs to be taken off immediately, not XX/XX/45 days later. Im ready to seek legal action against the company and Transunion. Can you help me?
Product: Student loan

I received an email from  studentloans.gov. o n   XXXX   XXXX    2017 advi sing as follows ; Excerpts from email below ; " Dear  XXXX ,  The  Department of Education has approved your claim for forgiveness of your federal student loans under the borrower defense to repayment rule  , 34 C.F.R.
685.206 ( c ). "   ... ...     " The Department will notify your loan servicer of the approved forgiveness, and the forgiveness should be completed within the ne xt 60-120 days. Your servicer will send you more details about the forgiveness, including which l  oans have been forgiven. '' The period " 60-120  days '' has passed and I have yet to hear from Navient - the servicer. I contacted Navient  XXXX   XXXX ,    2017 and s poke with a representative and they had no information regarding the email I received. I had called the the phone number -  XXXX  - given the email and confirmed that the email was legitimate. I also sent a copy of said email to  FSAoperations@ed.gov  for further action or clarification and received an acknowledgement of receipt and nothing further so far.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
The following accounts are not mine, Transuinion is reporting 2 different social security numbers, been trying for a year calling them and they do nothing. 
XXXX XXXX XXXX {$5900.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX {$13000.00} XXXX XXXX XXXX XXXX XXXX {$6700.00} XXXX XXXXXXXX XXXX XXXX XXXX {$2100.00} XXXX XXXXXXXX XXXX {$630.00} XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXXXXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX {$79.00} XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX {$300000.00} XX/XX/2019 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Phone : ( XXXX ) XXXX in XX/XX/2018 regarding a debt from XXXX that in my recollection was paid in full. The debt was for {$450.00}. I called the collection agency and asked them to validate and verify the debt. I was sent a bill from XXXX, that simply showed a balance, but did not provide any details of the reason for the debt. I called the collection agency the week of XX/XX/XXXX, and after being transferred multiple times, the representative from Convergent explained that they could not find the account and I should call back. I called back and spoke with a representative during the same week, and explained what was sent to me. She was kind and empathetic and said they would send a detailed, itemized bill that would explain the debt. I heard nothing after that. I was notified on or around XX/XX/XXXX that the company reported the debt to XXXX.

I called the collection agency and explained that I still have not received information that validates the debt. The person became combative and said there's nothing they would do about it. I asked to speak with a supervisor and was hung up on.

I've submitted two disputes to XXXX, and the outcome was that the company validated the debt. I have still not received any information that validates this debt, according to the FDCPA guidelines.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ADDRESS needs to be removed from my Experian consumer file it is not my residence said address XXXX XXXX  XXXX XXXX XXXX, IN XXXX, XXXX XXXX XXXX XXXX, In XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. Information was involved in XXXX XXXX XXXX XXXX.
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones 's failure to deposit my direct deposit from my employer and any other deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensue my rights are upheld. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE CODE - 103 My personal information was stolen in 2018, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please delete and remove all inaccurate inquiries and accounts I have listed immediately, the following includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX [ FRAUDULENT ADDRESSES ACROSS ALL 3 CREDIT BUREUAS ] DELETE-40 XXXX XXXX XXXX, CT XXXX DELETE-XXXX XXXX XXXX XXXX, CT XXXX DELETE-422 XXXX XXXX XXXX, CT XXXX 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 hand written instructions.

15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers 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 if no documentary evidence is found in accordance with FCRA, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past two years since XXXX 2015 I have been written to the three credit union 's Equifax, XXXX and XXXX, in regards to XXXX XXXX XXXX, XXXX and XXXX having an account in my report. These are not my account, the debt collector 's has not been able to validate the account 's neither has the credit union. these account should be removed from my records since it was clear that I did not create this account. Nor can they provide me proof that I sign any legal document with my signature binding me to a contract with XXXX or XXXX XXXX XXXX. 

The credit union have been informing me I have to speak to the debt collector 's the debt collector 's tells me I have to request the deletion of my account from the credit union.
Product: Credit card

checks were not deposited within the XXXX time line. Requested reissue with Capital One and they are refusing to reissue the checks in a timely manner. We are in line and it can take months. I not only want the checks reissued ASAP but now want interest for the money held.
Product: Mortgage

We applied for a land release we did everything they ask for ten months and come down to the last minute they called us and said they can't find any inspection close to us so they wouldnt do it and now they won't even talk to us .they are mad that we won't refinance are home we are at XXXX percent and they are giving us the runaround on the land release now.
Product: Debt collection

Due to inaction on the part of my Dr. 's office to set up a payment plan as we agreed to, the last part of my bill was sent to collections. I received the letter Saturday, XX/XX/XXXX, and began attempting to contact them today XX/XX/XXXX. I have made at least 6 calls and each time after sitting on hold for 13 minutes, it hangs up on me. Once or twice it acted like someone had picked up, but then no one was there. Their client portal site caused my XXXX browser to display a safety warning and advised me to not enter any personal data as the site is not secure. Clicking the pages to open the portal does nothing as well. There are other reports on their XXXX reviews saying the same thing about being on hold and then hung up on. I believe this is intentionally done to make it difficult for debtors to pay off their debt. It seems predatory and should be illegal.
Product: Credit reporting or other personal consumer reports

Why Im still receiving emails for the bureaus saying Im helping by credit repair companies which is definitely NOT TRUE. I'm the one who send out the letters. Please make an action now! or i will sue you. Heres the list of inaccurate accounts and inquiries I want to remove. 

XXXX : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Experian : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX Account Number : XXXX {$25000.00} XX/XX/XXXX XXXX : XXXX  XXXX of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXXXXXX XXXX  Account Number : XXXX {$25000.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccurate information such as inaccurate names, date of birth, addresses and fraudulent accounts as to my information has been exposed to several data breaches. Ive sent in certified copies asking credit companies to investigate and delete the inaccurate information only for them to say its been verified in a reinvestigation. All the reinvestigation are being from XXXX  saying thats the outcome.
Product: Credit reporting or other personal consumer reports

There is fraudulent inquiries on my report that I didnt authorize and should be removed from my credit report immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these are hard inquires on my Equifax credit report in which I did not authorize. 

Equifax- XXXX employee ID XXXX from fraud department refused any assistance even after I spent a total of 4 hours today calling each one of these inquires to request validation of who made these inquires and they could not provide information as to why my credit report was run.
Product: Money transfer, virtual currency, or money service

I am Filling 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 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 see appropriate redress for these violations.
Product: Debt collection

Since XXXX i have tried contacting the debt collector I thought that had the collection with little response. I was told it was sent to Messerli and Kramer. First of all I was never notified of this. I have tried numerous times to get ahold of this Messerli and Kramer to pay this off with no answer. I have sent emails to I assume a general box that clearly doesn't get looked at. I have called and called with no luck. I am not denying I owe this. I will not pay this. I have tried my part.
Product: Credit card or prepaid card

I have the american express platinum card with no credit limit or speding limit.. I wasn't informed as to why my credit was limited to XXXX the annual fee is {$650.00} I've tried to contact american express several times for the past two years. I had to wait a total of 6months and nothing was ever done. I was told the same story there wasnt an answer or the department wasnt available. please i need this resolved and looked into.
Product: Checking or savings account

XXXX weeks ago BANK OF AMERICA closed XXXX of my checking accounts being that they " couldn't verify my identification '', which I don't understand because how was I able to open my account if they couldn't verify. Anywho, I had made deposits into my account, and everything was good. Fast forward to XX/XX/year> my work deposit hit my account but they but a hold on my funds. Now the account is closed and I haven't received any funds from BANK OF AMERICA. I would like to have my money ASAP.