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

I am complaining about inaccurate information reporting on Experian and XXXX.THE ACCOUNT XXXX XXXX XXXX,acct no. XXXX.... has been disputed many times with both bureaus,the information updates yet is completely in error.Attached here is proof of the errors.Both the XXXX and experian reports updated within the last two weeks are completely incongruous with each other.XXXX  HAS CHOSEN TO DELETE THIS ACCOUNT TO MY SATISFACTION.EXPERIAN shows a paid charge-off with only about 1300 dollars paid in XX/XX/XXXX.the auction value of the repossessed car was far in excess of that amount.XXXX reports that the loan is a charge-off in XX/XX/XXXX when it was paid in XX/XX/XXXX.XXXX shows a XXXX pymt in XX/XX/XXXX and a last pymt in XX/XX/XXXX.NEITHER OF THESE BUREAUS HAVE CORRECT FACTUAL INFORMATIONAND THEY MERELY PRINT AND PUBLISH THE INCOMPETENT REPORTER.it is obvious which XXXX discovered that this creditor can not accomplish accurate reporting on this account and must be deleted immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

An account named continental XXXX appeared as first an inquiry on my credit. It alerted me that someone had my info. I immediately put a freeze on my credit, wrote to them, called them, contacted all bureaus and filed police report. The company themselves useless. I get XXXX results saying they wont delete it. They are saying its mine! Its not mine. Police have persons name and address who did this to me. I want this permanently removed. My score went down drastically and Im not paying for fraud!
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 it is an essential and grave responsibility to both the consumer and banking system that the credit reporting agencies produce accurate and fair reporting. I recently submitted disputes which resulted in corrections, only to have the inaccurate data returned to some if not all three of the credit reporting agencies. As articulated in 15 USC 1681, these agencies assume a vital role in the mechanism for evaluating my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living as a consumer. Therefore, each reporting agency should match data with precision. Particularly when all three form the coveted FICO score.

1681e. Compliance procedures ( b ) Accuracy of report 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.

I have ONE name. However, XXXX publishes ( XXXX ) XXXX incorrect versions of my name. Transunion publishes ( XXXX ) incorrect versions of my name. XXXX publishes ( XXXX ) incorrect versions of my name. 
Over the last ( XXXX ) XXXX years, I have had only XXXX addresses. XXXX are current, XXXX is not mailable there are incorrect XXXX with XXXX, XXXX with XXXX, XXXX with Transunion never associated with me. 

For the last ( XXXX ) years, I have had the same and only phone number for both business and personal For the last ( XXXX ) years, I have had XXXX employer. XXXX lists XXXX Employers. XXXX and Transunion list antiquated/obsolete employer information from more than 15 years ago. 

Furthermore, Transunion reports that public records show my residential information as being a home assessed at {$290000.00} with 1968 sqft. I have never owned a home assessed under {$450000.00} nor smaller than XXXXXXXX XXXX XXXX However, my company does XXXX XXXX XXXX transactions of all kinds and my name is associated with the sale of many homes owned by other parties. How dangerous is it to the credibility of these reporting agencies that my personal value be assumed by the value of property my company is hired to market? 

Any public personal information contrary is inaccurately reported data, as is any information beyond XXXX years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

Early Warning Services XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX, XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX, XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX Dear Credit and early earning services, THIS IS A FRAUD ACCOUNT NOT OPENED BY ME Email-XXXX Contributors-XXXX XXXX-Alabama Account number-XXXX  Routing # XXXX SECOND FRAUD ACCOUNT- Consumer ID # XXXX Contributors-XXXX  XXXX XXXX Account XXXX Routing # XXXX FRUAD EMAIL XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am paying XXXX percent interest. I asked for a reduction in rate and they told me no. I did some research and learned that this company is not licensed in Massachusetts and additionally the rate of XXXX per cent is illegal in this state. I'm currently out of work and these payments are putting me in financial ruins.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account was set up by my soon to be ex-husband without my consent. He has everything going to him. I need to get the username/email and password updated along with any other personal information used to log into my account.
Product: Credit reporting or other personal consumer reports

This is in reference to AccounXXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am writing to dispute the accuracy of account # XXXX on my credit report. Following the completion of your most recent reinvestigation, I am requesting The Method Of Validation used to determine the accuracy and completeness of the information furnished. 
Please provide the following information : XXXX. A detailed description of the procedure used to determine the accuracy and completeness of the information furnished. 
XXXX. The names, work email addresses, and work phone numbers of the individuals involved in validating this debt. 
XXXX. The business name and address of the furnisher of this information. 
If Equifax is not able to provide the requested information above upon 15 days of their receipt of this dispute, I am requesting that this account be immediately deleted from my credit report. 
I demand that you refrain from using any stall tactics in response to this letter. You are required to respond within 15 days of your receipt of this dispute, I look forward to your response. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and spoke with a customer service agent there at Equifax explaining that my identity has been stolen and some has gotten a car and a ton of inquires using my identification information. I have not received anything from this company nor applied for anything from them. I have no idea who has used my information.
Product: Debt collection

I have reached out to JPM Chase via certified letter to rectify errors and discrepancies being reported on my personal credit report that JPM Chase is reporting. On XX/XX/XXXX, a letter certified letter was sent to JPM formally to make the company aware of my formal notice my certified letter was received/signed for on XX/XX/XXXX. In my letter I requested information to be provided for validations made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. A response was received from JPM Chase, however as when I pulled my personal credit, on the 31st  day from when JPM Chase received my certified letter. The company failed to DID NOT furnish the credit bureaus with the required disclosure, with the period as required by law. JPM Chase is required by federal law to place a " notice of dispute '' on my account within 30 days of my dispute, which they signed for onXX/XX/XXXX. This clearly shows that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and also the Fair Debt Collections Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30-day period. I therefore then notified JPM Chase of this federal law violation in XX/XX/XXXX, which the address that was furnished to me on my credit report reflects, however that letter was returned to me as an unknown address. Clearly the information being portrayed on my report is inaccurate. I then sent a follow-up letter on XX/XX/XXXX as a goodwill gesture to allow JPM Chase to remove this item as they have violated federal law by not properly providing the credit bureaus with proper notice within the required timeframe, and I have the evidence of such, via certified mail receipts, JPM Chase MUST NOW remove the items. JPM Chase then responded on XX/XX/XXXXwith a letter agreeing that the information is inaccurate and will now go ahead and send the information to the Credit Bureaus. This is clearly a violation of FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries that have appeared on my credit report, as I am a victim of identity theft. This request is made pursuant to the protections provided under 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). 
The following accounts are fraudulent and should be removed from my credit file : XXXX. INSURANCE SELFREPORTED Account ID : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX Account ID : XXXX Date : XX/XX/XXXX Amount : {$1200.00} XXXX. XXXX Account ID : XXXX Date : XX/XX/XXXX Amount : {$530.00} XXXX. XXXX XXXX Account ID : XXXX Date : XX/XX/XXXX Amount : {$1100.00} XXXX. XXXX SELFREPORTED Account ID : XXXX Date : XX/XX/XXXX Amount : {$100.00} XXXX. XXXX Account ID : XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX BANK XXXX Account ID : XXXX Date : XX/XX/XXXX Amount : {$1800.00} In addition, please remove the following fraudulent inquiries from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted two requests to investigate the validity of this account as well as correct all the inaccuracies that Equifax is reporting on this account. 

My first letter was to XXXX in XXXX XXXX they did not respond. I then sent a letter to Equifax in XX/XX/2022 and no response, I sent a follow uo at the end of XX/XX/2022 and still no response and no correction to the account. 

The problem that I have is not only can I not get anyone to validate that I actually owe this alleged debt. But the way Equifax is reporting this debt is completely wrong. A collection account can not report the account type as an open account which Equifax is. They are reporting a past due amount which per FCRA the past due should be at {$0.00}. The payment status on a collection account should state collection/ chargeoff - Equifax is reporting this " LATE 120 DAYS ''. again another FCRA violation. Lastly a collection account should not report any two year history and of course equifax is also reporting a history. 

This is at least 5 violations. Ive included the letters mailed and the credit report
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regualation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Mortgage

In XXXX, XXXX  I was in the process of closing on a conventional mortgage refinance with Better Mortgage Corp ( XXXX XXXX ). The mortgage closing was eventually terminated due to the application not meeting conventional mortgage guidelines. On XX/XX/XXXX, a representative of Better Mortgage Corp ( XXXX XXXX ) contacted my homeowner 's insurance provider XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) without my knowledge and updated the policy 's 1st mortgagee information. I was not made aware of this until I received a paper notice from XXXX XXXX on XX/XX/XXXX, at which point I contacted XXXX XXXX  to notify them of the unauthorized change performed and instructed my agent 's representative to revert the change.
Product: Debt collection

I've never received anything from this company, and I thought by law I had to be notify at least 5 days before something is place on my credit report. I've reached out and nothing has been responded to and it's making me mad
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the unresolved issue concerning late payment accounts on my credit report. Despite previous attempts to rectify these discrepancies, they remain unaddressed. The ongoing issue with late payment accounts remains unresolved, causing concerns and potential financial repercussions. I kindly request a thorough review and prompt resolution of these issues to ensure the accuracy and fairness of my credit report. Your immediate attention to this matter is greatly appreciated. 

COMENITYCB/MYPLACERWDS XXXX & COMENITY BANK/EXPRESS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My home loan still report on my credit report as late in XXXX or XXXX of 2018 my mortgage company not fix
Product: Debt collection

I have no contracts with this company, they claimed to have purchased a debt that I never owed in the first place. 
( 2 of them that are separate amounts on random dates/years ) Ive also contacted them and asked for proof that I owed the debt and they were unable to provide any proof of a purchase agreement. 
This collection is FALSE an a common scam!!! ( please XXXX fraudulent XXXX collections ). 
They also keep RE-AGING the status of the collection, its been 4+ years of me trying to remove a collection that isn't mine and it always looks 'new ' because they constantly report it as such. I do not owe this money and ive given up at this point with what to do.
Product: Money transfer, virtual currency, or money service

I opened a WISE money transfer account and one day I try to send a payment of XXXX or XXXX dollars to the XXXX and they just deactivated my account. I appeal their desicion and still they decided to close my account without any detailed explanation.
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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted all documentation supporting an identity theft claim. Transunion is unlawfully reporting inaccuracies on my report. They are in complete violation of 15 usc 1681n and 15 usc 1681o, along with other various United States codes. I demand that Transunion delete and block all disputed inaccurate information in accordance with 15 usc 1681c2. Under 15 usc 1693gb I would like the proof that shows I am liable for this debt. I would also like to see how a debt that is not mine was verified, what process and systems were implemented by HUMAN PROCEDURE to reach their verdict, pursuant 15 usc 1681b. Transunion has failed and broken then law via 15 usc 1681eb.
Product: Credit card

Capital One Credit only accepts payments up until XXXX EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.
Product: Credit reporting, credit repair services, or other personal consumer reports

multiple inquiries & unauthorized XXXX  XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXXT XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I certified mailed a notarized FTC Identity Theft Report to Experian. Along with a copy of my Drivers License, Social Security Card, a utility bill and a cover letter stating I was a victim of identity theft and to remove all fraudulent accounts, addresses and inquiries listed in the FTC Identity Theft Reports. USPS said that Experian received it on XXXX XXXX. I called Experian on XX/XX/XXXX I was told that some of the accounts were removed and others were being disputed with the creditors because my Identity theft report did not meet Experian 's criteria. And that I needed to send in another Identity theft report along with my Drivers License, a utility bill and cover letter. When I asked what was the reason why it didn't meet their criteria I was told they couldn't tell me. Because someone else may try to just not pay a debt and file an identity theft report to get out of paying nor having it report negative on their credit file. I was given the website address to upload the documents to of experian.com/upload. I kept getting an error message for hours as I was trying to upload the new documents. So I mailed the new documents they requested overnight delivery on XX/XX/XXXX. They have received them.
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 XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX  XXXXXXXX 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 report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

The credit bureau used my information the wrong way, i contacted the companies with no response.
Product: Debt collection

I was a victim of identity theft and when I saw a collection from National Credit Systems it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. I sent this to National Credit Systems on XXXX/XXXX/16. It 's been over 30 days and no response. What do I do? This is affecting my health and is stressing me out. XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX
Product: Mortgage

I am a Massachusetts   XXXX   XXXX   XXXX  .
On Friday   XXXX   XXXX  , 2017 I represented a home buyer who purchased real estate through a short sale.
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The seller 's mortgage company was Planet Home Lending , LLC. Their principal office is   XXXX   XXXX   XXXX  ,   XXXX   XXXX  ,  XXXX , CT  XXXX .
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The mortgage company was represented by   XXXX   XXXX   XXXX   XXXX  . Their principal office is   XXXX   XXXX   XXXX   XXXX   XXXX  ,   XXXX   XXXX  , MA  XXXX .
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I wired Planet Home Lending 's funds around   XXXX   that Friday. My bank assured me that they would receive the funds that day.
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I spent the rest of that afternoon dealing with essential aspects of the closing ( recording the deed, mortgage, etc. ).
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I did not have an opportunity to email the wire confirmation to the lender or its representative.
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Monday morning   XXXX   XXXX  , 2017 I received two threatening emails from   XXXX   XXXX   of   XXXX   XXXX   XXXX    XXXX   XXXX  .
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In the emails  XXXX  threatened " to foreclose on this today!!!! '' or " move forward with the f/c!!!! '' unless a copy of the wire confirmation was sent to him immediately.
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Of course I sent the paperwork to him and I believe the matter is resolved.
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Nevertheless, the CFPB should be aware of   XXXX   XXXX   XXXX   ' and Planet Home Lending 's overly aggressive behavior.