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

I HAVE FILED A FTC IDENTITY THEFT REPORT AND I SENT IT TO XXXX, XXXX, AND EQUIFAX ALONG WITH ALL THE DOCUMENTATION NEEDED TO SUPPORT MY CLAIM AND THEY REFUSE TO BLOCK/DELETE THE ACCOUNT DISPUTED DUE TO FRAUD. 

15 USC 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT : ( a ) BLOCK a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECIEPT BY SUCH AGENCY 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 I HAVE MET ALL 4 OF THESE ITEMS ABOVE AND THE ACCOUNT IN QUESTION SHOULD BE BLOCKED/DELETED IMMEDIATELY!
Product: Mortgage

I received a real estate tax bill from my county. I called the mortgage company to find out if they had paid the tax bill and they said they did. After speaking with the property tax agent, I realized the map number that the county was asking me to pay was incorrect, it was not my house. After contacting the county, they said they would correct the error and I would not have to pay. However, the mortgage company called my county tax office and later added that parcel of land to my loan and paid the outstanding tax bill due on that parcel. I had to contact the mortgage company again and ask them to remove this parcel of land from my loan and ask them for a refund from the county. In the meantime, my loan was re-assessed and now the mortgage company wants to me to pay more monthly because of the company 's error of adding that parcel of land. They said they will not re-calculate my loan until the refund payment from the county comes in. I should be able to pay the original lower monthly payment for the mortgage and not have to pay a higher cost for their mistake.
Product: Debt collection

XXXX XXXX recorded a subordination agreement in XX/XX/XXXX referring to a mortgage dated XX/XX/XXXX. There was no mortgage and this agreement needs to be released.
Product: Money transfer, virtual currency, or money service

they called multiple times within a few days and left this message from multiple different numbers from different states with the same voicemail- sometime changing the name to XXXX XXXX Hey it's XXXX XXXX XXXX XXXX and I'm just following back up with your online request for getting some financial help and I was able to get you an approval that I think you're gon na like so just go ahead and call me back so I can give you the details just know that the program does have limited openings and is on a first come first serve basis so just call back soon to finalize the details my number is XXXX and anyone can help you out just in case I'm busy with someone hope this helps you out and we'll talk soon.
Product: Credit reporting or other personal consumer reports

Hello : I just want to make you aware of this scam. 
Years ago, I had and paid off a student loan. There has never been any issue. 
Today I received a generic email that is clearly a scam. 
I hope you are still in businees and have someone to make a note of this and follow up if there is a way to. 
I did not reply to the email and intend to delete the email once I am confident this complaint has been sent to you. 
Thank you. Belows is a copy and paste of the e-mail as well as header info. 
Thank you. 
XXXX XXXX Source writer : XXXX XXXX XXXX Text of message : XXXX XXXX XXXX XXXX ( XXXX minutes ago ) to me XXXX XXXX XXXX It's XXXX XXXX XXXX the Student Loan Debt Department XXXX This is regarding your case number XXXX. We tried to contact you at your home and did not hear back. Your StudentLoans have been flagged as possibly eligible for forgiveness under the new XXXX  guidelines. Your file will remain open in my system for only one more day. Please give me a call at : ( XXXX ) XXXX, We can take your call between the hours of XXXX ( PST ) Monday-Friday. Thank you, - XXXX XXXX XXXX XXXX XXXX You opted in, Advertising Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX, NM XXXX... we are a marketing service. If you wish to contact the company mentioned, please dial the number above. If you want to get off our marketing list, go to the following link and enter your emailaddress : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS PREVIOUSLY REMOVED.. 

TransUnion Dispute reported inaccurate reporting of a charged-off auto loan account by XXXX XXXX XXXX XXXX on my credit report. This account is currently being reported as open, which is completely inaccurate and misleading. A charged-off account can not and should not be reported as an open or active account, as this misrepresentation negatively impacts my credit profile and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq. 
The account in question, which was previously removed from my credit report, has been re-added multiple times, causing ongoing harm to my credit profile. This inaccurate and unfair reporting constitutes a violation of my consumer rights under the FCRA. The continuous appearance and disappearance of this account create unnecessary fluctuations in my credit score and misrepresent my financial standing. 

I request an immediate investigation into this matter and demand that XXXX XXXX XXXX XXXX : Cease all future reporting of this account to the credit bureaus, as it was previously removed. 
Provide verification of the basis for re-reporting the account after its deletion, including any legal justification for doing so. 
Correct and update all credit bureaus with accurate information reflecting the permanent removal of this account. 

I demand that TransUnion immediately investigate and correct this reporting error by either : Ensuring that XXXX XXXX XXXX XXXX accurately reports the accounts true status or Removing the inaccurate account entirely from my credit report. 
Furthermore, I want to make it clear that I am fully aware of the Consumer Financial Protection Bureau ( CFPB ) lawsuits against XXXX and XXXX for conducting sham investigations and failing to properly investigate consumer disputes. These enforcement actions highlight the importance of credit reporting agencies conducting thorough, good faith investigations into consumer disputes, as required by law. 

I expect TransUnion to comply with its legal obligations and conduct a proper investigation into this matter, ensuring that it does not engage in any deceptive or negligent practices similar to those outlined in the CFPB complaints against your industry peers. A failure to correct this inaccurate reporting in a timely manner may result in a formal complaint with the CFPB, the Federal Trade Commission ( FTC ), and my state Attorney Generals office. Additionally, I will explore all available legal remedies under the FCRA.
Product: Money transfer, virtual currency, or money service

Paypal closed my account in 180 days for no reason. I can't withdraw my XXXX XXXX  to my bank account. It's been 3 month since I reported this issue here but there is no help or action from the company. 
They send me an email that they removed my account limitation but still i can't withdraw my money. 
Please help me. I need my money back. I badly need it. I hope that it will resolve. 
My email linked to my PayPal is XXXX XXXX
Product: Debt collection

I am a federally protected consumer and Santander has violated me under the provisions of 15 USC 1692 and 15 USC 1681. Please review attached documentation.
Product: Credit card

SUBJECT : American Express Blue Cash Everyday credit card payment processing/ misrepresented due date/ delay in posting/ late fee and possible erroneous credit reporting consequences. Electronic payments by my bank are not posted when received by American Express, but delayed by 2-3 days. This means that the DUE DATE is not the due date shown on the statement, but a couple of days earlier unless and only if paid on their website. This forces the consumer to pay at least 4-5 days early to be assured of timely payment, even if EFT. THERE IS NO LEGAL EXPLANATION FOR THIS, that is just how it is, as explained by them. So, my payment is recorded when it is convenient for them instead of when funded in their bank, leaving the consumer at risk of unwarranted late fees and possible credit problems. On the day this account was opened, applicant had a FICO score of XXXX. This will be monitored for deterioration that may occur due to AMEX bad practice and included as an additional complaint if true.
Product: Credit card

Respectfully, I ask for the removal of late payment remarks and an adjustment to reflect a positive status in accordance with the agreed-upon payment terms.
Product: Credit reporting, credit repair services, or other personal consumer reports

I read the company 's response and it did not dissolve my issue. The company stated the " asked '' the company if the alleged debt was in fact mind but I have not, in the past 4 months since starting the dispute process, received any validation of this alleged debt. I ask that Experian give me the name of the person that claimed the records were validated. Also the phone number of the person spoke to who " verified and validated '' this account. According to 15 USC 1692 ( g ) Validation of debt I have not receive anything validating this alleged debt. I have
Product: Credit reporting or other personal consumer reports

I trust this letter finds you amidst a sense of urgency and accountability for the glaring violations of the Fair Credit Reporting Act ( FCRA ) that persist in my consumer report. Despite my previous disputes sent to XXXX, Equifax, and XXXX, detailing inaccuracies and blatant violations, it has been over 30 days, and your agencies have failed to respond. 

Enclosed are copies of all previous dispute letters for your perusal, reiterating the discrepancies and violations that have tarnished my credit report. Under the FCRA, it is imperative that every detail reported is 100 % accurate. Sections 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) underscore the obligation of consumer reporting agencies to ensure precision, a duty that remains unfulfilled in this case. 

I demand an immediate and thorough investigation into these matters. Failure to address and rectify these violations within a reasonable timeframe will leave me with no option but to pursue legal remedies available to me under the FCRA. 

I expect your swift attention to this matter and a resolution that upholds the integrity of the credit reporting system.
Product: Credit reporting or other personal consumer reports

To my shock, I discovered incorrect accounts on my credit report this morning, and I genuinely have no clue how they ended up there. While doing my regular credit report check, I was shocked to see discrepancies that seemingly appeared out of thin air. I refreshed my browser, hoping it was just some glitch, but unfortunately, it wasnt. I was disheartened when I refreshed the browser and the incorrect accounts were still there. Due to this unsettling issue, Im requesting that the documents Ive provided be reviewed thoroughly so I can put this concern behind me for good.
Product: Debt collection

On XXXX XXXX, 2025 I received a Debt letter from XXXX XXXX XXXX , XXXX. requesting i pay them a {$3100.00} for a loan i never received or recognized. I did not receive or ever applied for a loan of any kind from the XXXX XXXX company according to the mailed documents they sent to my home. They have False information from the current creditor Accelerated Portfolio Inc. and it may involve Identity theft. I am getting anonymous debt claims from various attorneys and Debt collection companies due to my ongoing identity theft case and compromise of my personal information. The XXXX XXXX XXXX , XXXX is not in compliance with state and federal Debt compliance laws. I have referred this complaint to the proper authorities. I will not pay any money to anonymous Debt Collection Attorneys with false or fake information.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I have received numerous phone calls from GenesisFS Card Services over the past XXXX weeks. We blocked them as scam calls. On XXXX XXXX we received a letter dated XXXX XXXX stating that {$780.00} on a Milestone Mastercard Account ending XXXX was outstanding and demanding payment of that amount. Neither my wife nor I have had an account with Milestone Mastercard. WE only have XXXX XXXX issued in early XXXX by Bank XXXX XXXX. 

On checking my credit rating in XXXX XXXX, I find that my excellent XXXX  rating ( last time I looked ) has dropped on XXXX XXXX XXXX and XXXX with XXXX XXXX This unknown-to-us credit card account, which supposedly had a {$300.00} credit limit and a reported balance of {$780.00}, was apparently closed by XXXX XXXX  XXXX on XX/XX/XXXX XXXX for being 30 days late, owing {$89.00}. But the description on XXXX shows payments were supposedly made in XXXX and XXXX. So none of this makes sense, which is hardly surprising since this is a fraudulent attempt to get money from us ; the letter offers many ways to pay by phone or online. That I can ignore. However, it has impacted my credit rating and that is against the law. 

We have searched GenesisFS and see that there are a number of people who have been similarly scammed, but they don't mention credit ratings being impacted. 

I am XXXX XXXX XXXX, XXXX and not well. My wife is dealing with this on our behalf. We hope you can help. 

Thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report. 

US Department of Education The reporting of these account ( s ) is/are violations of 15 USC 1681a , The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. 
I demand this account be deleted from my consumer report. 

Best regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my identity verification multiple times ( XXXX, XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help
Product: Mortgage

XXXX - This is my previous complaint filed on XX/XX/XXXX. As ofXX/XX/XXXX the company responded saying they needed more time to research my original complaint. Three days later I get a letter from Ditech and I suppose this is their solution. Enter into another trial modification before a loan modification or face foreclosure. This does n't address the issue. I have a document from Ditech stating the payment arrangements that were agreed upon following my recent XXXX. These tactics only further my bad feelings for this company. They ca n't be trusted. All this does is add more interest to the mortgage and they continue to milk money out of their customers. I 'm thoroughly frustrated that a consumer can be treated this way and the company get away with it. I 've had nothing but issues for the past 10 years from Ditech ( former known as Greentree and XXXX XXXX ). I now have until XX/XX/XXXX to decide whether I accept the trial modification or face foreclosure. This will be before the allowed 15 days that the company has to respond. So if I want to keep my home, I 'm left with no choice but to comply and keep paying this company their milk money. I thought these tactics were addressed years ago but apparently they can still get away with it. I hope this can serve as a warning to other individuals about this company and help others avoid this nightmare we 've been dealing with.
Product: Bank account or service

Whitney banks failure to exercise ordinary care contributed to a customer 's loss, and there remain genuine issues of material fact as to Whitney 's compliance with its standard of care and what effect this had on forgeries that occurred with in the account. This case is one in which a bookkeeper 's malfeasance, and a bank 's incompetence, combined to deprive an elderly woman and her family of XXXX of dollars. Please see attached document of case at hand.
Product: Debt collection

My brother XXXX XXXX had a lease with this property. I stayed with him for a couple months so he had to put me on the lease. Before XXXX XXXX lease was up i moved out of this apartment. I have tried several times to advise creditor that XXXX XXXX is taking full responsibility in this debt as he was the one living there. I was suppose to be removed from the lease as i did not live there. This account is in my name in error and needs to be removed. I have investigated this for a couple years now and have found my lease on where i lived at in this property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX XXXX XXXX credit card and I pay the bills every month regularly. we receive paper bills from mail. my account no with them is XXXX. 

I didn't receive my paper bill in XX/XX/XXXX ( may be lost by mail USPS ), so didn't make a payment in XXXX as I was not aware of any payments. But when I received the bill in XX/XX/XXXX, I paid in full around {$160.00}. but they charged me interest of around {$36.00} for late payment. I wrote a letter to them explaining the situation that I never received the bill in XXXX and I paid it off when I received the XX/XX/XXXX bill. I even called and explained to them the situation. But they would not cancel the interest charges. so I closed the account in XX/XX/XXXX. 

But to my surprise, they reported me to Equifax credit reporting system as delayed payment. and kept on charging me interest which is now {$110.00}. I called capital one again on XX/XX/XXXX and tried to work out with them about deleting the late payment and cancelling the interest charges. they told me that even though they understand the issue here but they wont chage the credit reporting or cancel the interest. 

we are a well to do family and my husband is a physician, so we don't have issues paying our bills. we always paid our bills regularly without any default. in this scenario, we didn't receive the bill in the mail to pay it off. 

so please help me to get the late payment off my Equifax record and cancel all the interest charges on the closed account
Product: Debt collection

The law offices of XXXX and XXXX try to garnish my wages based off of serving Someone else a female at a residence I do not live at a car I used to own, was parked in their driveway I was not aware of this complaint or judgment against me until my employer elevation. XXXX told me they had to garnish my wages when I called XXXX and XXXX find out what was going on their call center representative. Who took my phone call and discussed my account with me told me she could not determine where, they were coming up with the {$1600.00} that I owed every credit card statement provided to them from the XXXX XXXX XXXX had a zero balance on it at the end of it when I called the bank XXXX Missouri they stated that {$690.00} {$300.00} secured credit card XXXX months of payments and interest accrued after 90 days the card was closed and no other interest was in accrued at that time I asked for validation of debt and proof of service after 30 days. They did not provide me with that after 45 days, my employer returned the {$1500.00} that they had taken from me, because XXXX and XXXX could not provide me with the proper documentation to validate this debt since then since then I have called every month to ask them to stop accruing interest because they did not properly serve me or when a judgment they have damaged my credit they have not provided me with proof of validation or debt or proof of service they have not attempted garnish me again. They just continue to increase a debt illegally because they are saying that they are allowed to collect interest on a debt which is accurate.
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 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 XXXX XXXX XXXX XXXX XXXX The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following addresses are also in violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1986 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies. 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. 
I have also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX, XXXX, XXXX