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

I am having significant trouble getting items on my TransUnion credit report removed and neither TransUnion or XXXX XXXX XXXX are providing me with verification of debt. In the past I have sent request for verification to XXXX XXXX XXXX but did not receive any responsive documents. Furthermore, these items have been disputed with TransUnion and TransUnion always waits four weeks then marks the information as " verified ''. However, I do not understand how TransUnion is verifying the disputed records if the data provider, XXXX XXXX XXXX, can not even provide me with proof of debt or respond to my debt verification inquiries. It may be worth nothing that other consumer reporting agencies and financial institutions have already acknowledged the records submitted by XXXX XXXX XXXX to be false. Indeed, XXXX XXXX XXXX have already been removed from other reports because the information could not be verified.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # 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 reporting 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 person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Multiple times I have contacted all 3 credit bureaus XXXX, XXXX, XXXX about the false collections showing on my credit for XXXX XXXX through a collection company called Ad Astra Recovery Service for XXXX. This collection is not mine and is from identity theft, the collection agency has been contacted and can't provide proof that this account is legally mine.
Product: Mortgage

I applied for a mortgage  at BB & T w/   XXXX   XXXX   , Mortgage Loan Officer N  ML S ID :  XXXX  Office :  XXXX  Mobile :  XXXX  at the  XXXX   XXXX   XXXX   XXXX   XXXX  PA  XXXX  branch.   After explaining that the seller wanted to close asap and that  XXXX   XXXX  was the absolute last day the seller was willing to wait to close,  XXXX  and  XXXX  in the  XXXX  had no sense of urgency whatever, and did not communicate with us or our agent after we begged, pleaded, emailed, etc. No common decency or even professionalism was shown. I did everything asked in a timely fashion and they waited until well after the deadline to alert us that the loan was basically not approved. It was " conditionally approved '' after the fact but that is not what the agreement stipulated. The home is being sold "  AS  IS '' and so there can be no contingencies for repair and they knew that if they read the agreement. They all should have known that and if that was an issue from the beginning, then they should have said we do n't write as-is loans. I am a well qualified borrower with assets at my disposal, and a pillar of my community. They repeatedly dropped the ball causing this deal to fall apart and me to loose money. Exasperatingly incompetent to be in the mortgage origination business. They should be sanctioned to the highest degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Dear Experian I mail you on XX/XX/2022 regards incorrect the balances being reported by your company are different from the other bureaus, this means the account has not been properly verified. Please delete this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-Apparently someone has opened an account in my name and was paying them. But it was not me I have never had a account with XXXX XXXX. I am a victim of Identity theft AMERICAN EXPRESS SERVE- I HAD FUNDS TAKEN OUT OF MY ACCOUNT THAT WAS NOT AUTHORIZED BY ME. {$320.00} WAS TAKEN FROM MY ACCOUNT THAT WAS NOT AUTHORIZED
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 Aid ( 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: Debt collection

I have contacted the creditor numerous times about this debt that I agreed to settle to pay and they agreed that it would be removed from my credit profile and they failed to do so. Its showing up as a negative account on my profile and would like it removed.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX received an email from XXXX XXXX They monitor my credit report and informed me that some negative information had been posted to it. I called the collection agency, XXXX, indicated in the XXXX email and was given the following information : Loan Amount : {$1700.00} Loan Date : XX/XX/XXXX Loan Issuer : The Check Giant NM LLC d/b/a/ CashNetUSA, XXXX. XXXX XXXX, XXXX XXXX, XXXX, IL XXXX. In XX/XX/XXXX I was XXXX The home address used was one that I had not been living ay since XX/XX/XXXX, and telephone numbers were from a completely different State. 
I have reported this Identity Theft to the New Mexico State Attorney.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of certain collections and charge-offs reported on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 . Specifically, I believe the following accounts are being reported inaccurately and require immediate investigation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under Section 611 of the FCRA ( 15 USC 1681i ), I am entitled to have these disputed items investigated and corrected or deleted if found to be inaccurate or unverifiable. 

In addition, under the FCRA, I am requesting the **Record of Assignment** for each of these accounts. This includes any documentation or agreements showing the transfer or sale of the debt to the current creditor or collection agency. If no record of assignment exists, I request that these items be removed from my credit report as they can not be legally verified. 

Please find enclosed the following documents to support my dispute : - A copy of my identification [ e.g., driver 's license, passport ]. 

I request that you : XXXX. Investigate the disputed accounts and correct or delete any inaccurate information. 
XXXX. Provide me with the record of assignment for each of the disputed accounts. 
XXXX. Update my credit report to reflect any corrections made. 
XXXX. Inform me of the outcome of your investigation within 30 days, as required by law. 

Please note that failure to provide the requested information or correct these inaccuracies may result in further actions, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory agencies. 

Thank you for your prompt attention to this matter. I look forward to receiving confirmation that these issues have been resolved. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and XXXX all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( XXXX ) of information that I mark as being in question. 

NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( XXXX ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( XXXX ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance. 

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Debt collection

I am distressed by your bureau 's disregard for removing fraudulent accounts, despite filing a valid report on Identitytheft.gov and explicit confirmation from associated banks that they will remove the accounts immediately. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Wells Fargo informing them that I received a copy of my credit report and noticed some unauthorized inquiries made twice for the dates of XX/XX/XXXX and twice on XX/XX/XXXX total of four inquiries all together ... CSR then informed me to fax a letter over to the Credit Bureau Inquiry Department fax XXXX Case number XXXX. I faxed the information requested on XX/XX/XXXX and still haven't been resolved.
Product: Debt collection

I just received, XX/XX/2020 a letter from Sortid Financial about a debt I never had. I immediately contacted Sortis and told them I have never had a XXXX. I do not even know the company. A customer service rep yelled at me, Youre a liar and you are going to be responsible for this loan. I am not going to be responsible for a loan I do not owe. I want Sortis Financial company and whoever XXXX is to leave me alone. I also want them investigated for trying to scam elderly to own loans that is not theirs I believe this is an attempt to scam the elderly because I have never had a XXXX  and do not understand why I am being contacted that I did..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act by mentioning my incorrect residential address XXXX XXXX XXXX XXXX, XXXX, KS 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
Product: Debt collection

In 2014, we fell behind on making a credit card payment. We were contacted by XXXX. The original creditor is Citi ATT & T Universal XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from Citi XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.
Product: Checking or savings account

On XX/XX/year>, I attempted to deposit {$600.00} into a Navy Federal Credit Union at a XXXX 's. I inserted all of the bills at once, and received a message saying that the ATM was unable to deposit cash into my checking account. I filed an appeal with Navy Federal immediately after and then received a message on XX/XX/year> stating that they denied my appeal on the basis that no such transaction ever occurred at that specific ATM. Any attempts to appeal the issue further were met with unhelpful advice stating that I should incorporate additional evidence to support my claim, as if I would have anything outside of the cash that was essentially stolen from me and the receipt that the ATM provided.
Product: Mortgage

I settled my mortgage account in XXXX 2014 as agreed on between me and my mortgage lender. As of date my credit report is reflecting that my last date of payment was made XXXX 2014, and that I was delinquent several months after the final payment was made. I have continuously disputed this information under the FCRA with the credit bureaus yet the creditors keep verifying that the information is accurate. I then disputed the information with the creditor Citifinancial and they refuse to change the information to reflect the date of my last payment. They are not reporting accurate credit information. 1. The date of last payment is wrong 2. I ca n't be late on an account after it has been paid
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Equifax are reporting inaccurate information regarding 2 credit card accounts. XXXX XXXX XXXX and XXXX XXXX XXXX. 

In XX/XX/2017 my home was burglarized and several credit cards were reported stolen. At the time of the burglary I did not have the balances that are showing in collections as indicated on both credit reports for the above listed accounts. These cards were used by the thieves before they were cancelled. Each company only covered a small amount of the charges that were not made by me. I was also informed that there was insurance on both accounts that covered the additional amounts. 

I have attempted several times to have this corrected and neither collection company will provide me with where they are receiving information from nor how they are validating the information. Furthermore, one of the 2 original creditors has since granted me a new line of credit which is good standing. 

The collection companies are : 1. XXXX XXXX XXXX 2. XXXX XXXX XXXX My complaint is with all of the above. XXXX and Equifax for reporting the information from the 2 collection agencies that is inaccurate and erroneous. These 2 entries are having a severely negative impact on my credit reports and neither of the 2 collection agencies will respond. Go figure, 2 collection agencies will not communicate with me but are still reporting incorrect negative information.

Please help ... I am so over this ... My attempt to secure a  mortgage for a house failed because of this non sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602a states : " There is a need to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. '' 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. '' 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. '' ( Furnisher of information to credit agencies ) The financial institution and the Consumer reporting agencies Equifax and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) 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. '' I was never informed of my right to exercise my nondisclosure option. 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( 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. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 168lc of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CF 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' So, I am OPTING OUT OF YOUR REPORTING SERVICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about a security alert on my consumer report. I want this removed because it has caused credit problems. I was refused a credit line which I clicked on a wrong button I only wanted a credit account which is how I found out about this. This was on line through pay pal. They sent me a letter refusing because of this security report. They said they tried to call me but I get so many useless consumer advertising calls I probably missed it if they called. this happened about a month ago I cant find the letter. the thing is I amXXXXyr. Old and I read this stays until 2027 which is unacceptable. I have a good credit rating and am debt free and my credit union which is my only banking institution I use knows nothing about this. I dont know what institution or co. Did this but I want it off. I never requested any of this. I hope you can help as I could die before 7yr. Are up this is ridiculous. Thank you XXXX. m y address is XXXX XXXX XXXX XXXX  XXXX va. XXXX
Product: Mortgage

To whom may concern, I'm having issues with my mortgage company : First home Mortgage. 

XXXX. On XX/XX/2022 - My family received an " annual escrow account disclosure statement and change of payment notice prepared for '' - stating that the mortgage payment for our house will be increased by {$2600.00} dollars a month by XX/XX/2022. 

XXXX. After doing our own research we discovered that the property tax bill was calculated incorrectly by the DC government and the mortgage company has made a payment for the incorrect excessive amount that was increasing our mortgage. 

XXXX. First House Mortgage was notified immediately requesting for us to contact the Government of the District of Columbia to correct the property tax bill. 
We immediately proceed to contact XXXX, and after our request, a new tax assessment for the property was provided on XX/XX/2022. The " STATEMENT OF PROPERTY '' ( attached ) specified that a correction was made an a tax credit of {$13000.00} has been applied to our account. 

XXXX. The same day - XX/XX/2022, we reached out over the phone to XXXX XXXX XXXX to request the correction of our Annual Escrow Account so the monthly mortgage payment was corrected and would reflect the monthly payment with the correct value. 

XXXX. Repeated calls and communications were necessary to explain the situation to First Home Mortgage and to request them to collect the credit from XXXX. 
At this point, my husband and me - the owners of the property - can't understand what was the reason for their negligence to collect the credit and correct the account. 
After a week of constant requests, we were informed on XX/XX/XXXX that even after collecting the credit from XXXX a new Escrow Account Statement was needed to show the correct Monthly mortgage payment making us wait additional weeks. 

XXXX. On XX/XX/2022, we received a new Escrow Account Statement, however, the statement does not apply the full credit provided by the government to the account and still requests the additional {$2600.00} dollars a month for the XXXX and XXXX mortgage payment. 

XXXX. After calls on XX/XX/XXXX, XXXX, and XXXX to try and obtain information from First home Mortgage they CAN NOT explain the reason behind not applying the full credit to the account. 
The only solution provided is that " They have made a mistake '' and all we get is : " we are sorry but you have to make the payment otherwise late fees will apply '' and if they make the correction at some point they will provide the difference as a credit.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to credit bureaus must be accurate and up to date. XXXX is reporting XXXX of my accounts that are missing information and need to be added immediatly because it is effecting my credit score negatively. 

Account # XXXX is not being reported to Equifax as it should and needs to be submitted immediately. 

Account # XXXX is not being reported to Equifax as it should and needs to be added immediately.. 

Account # XXXX is not being reported to Equifax XXXX XXXX as it should and needs to be added immediately. 

Please correct these accounts so that it is reflecting accurately across all XXXX bureaus
Product: Checking or savings account

To whom it may concern I was told that the account has been unlinked to this account and that no further information has been provided at this time... this was cash app... 
I deleted cash app. Once they told me that cash app told me the same thing when I called...