23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting the immediate blocking and deletion of the accounts and inquiries listed below, as they are the result of fraudulent activity. This request is made pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which allow for the removal of such information when it results from identity theft. 
The following accounts are fraudulent and must be blocked and deleted : Accounts : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$170.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$940.00} XXXX. XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$17.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2300.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$48.00} XXXX. XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$160.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$250.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$2800.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$9500.00} XXXX. XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

Program Highlights Building on the concept of simple, here are some of the highlights of XXXX XXXX  XXXX XXXX. The program : Consolidates three modification programs into a single solution.
Removes the requirement for borrowers with mortgage loans 90 or more days delinquent to submit a complete borrower response package ( BRP ) to be evaluated for a XXXX XXXX XXXX XXXX. Adjusts the forbearance limits to provide greater payment relief to eligible borrowers, targeting a 20 percent payment reduction. Get Ready While formally announced on XXXX XXXX, the program has a mandatory implementation date of XXXX XXXX, XXXX for all servicers and will be implemented in XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) on XXXX XXXX, XXXX. Our goal is to facilitate a smooth transition for servicers to minimize disruptions to the borrowers in need of assistance with their mortgage loans, says XXXX. More information on XXXX XXXX XXXX XXXX is available I just copy this information from the loan modification from XXXX XXXX Website. I apply for a Loan Modification with Ditech and today received a letter that the modification was denied base on 3 aspects 1 ) My hardship was not temporary / Thats the main reason I had problems making payments from {$4100.00} to {$5300.00} a month 2 ) Bad Credit 3 ) Mortgage payments default over 6 months They Knew this 2 years ago when I start having problems XXXX XXXX VS Ditech financial LLC Also they claim the value of the property exceed XXXX when I send at least 2 formal appraiser where the price does not exceed {$750.00} if the problems and repairs are done to the House XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted a written request to Wells Fargo for an adjustment update of my payment history to the credit agencies. On XX/XX/XXXX, I received correspondence from Wells Fargo Home Mortgage ( HM ) with the determination that the agency has been sending accurate account information to all consumer reporting agencies. As a special note, I have been working for the past year to get this information corrected, to no avail. 

On XX/XX/XXXX, I found that Wells Fargo HM continued to report inaccurate credit activities ( payment and account balance ) for my account since XX/XX/XXXX. 

On XX/XX/XXXX, I appeal to Wells Fargo to report my account accurately with a request for the reason why the agency suppressed reporting my credit payment and account balance activity. On XX/XX/XXXX, Wells Fargo ( XXXX XXXX ) reported to me that they will they are not required to submit monthly credit reporting activity with the correct balance and will not correct my account activities to any of the credit companies.
Product: Credit reporting or other personal consumer reports

EQUIFAX XXXX XXXX : XXXX XXXX XXXX XXXX {$26.00} XXXX : XXXX XXXX, XXXX {$32.00} Has reported two fraudulent collections on my credit report, with a balance of {$26.00} and {$32.00}. 
These are NOT my accounts I am a victim of fraud. My information has been exposed in all data breaches Equifax, experian, etc. Also my information and passwords are confirmed and exposed on the DARK WEB!
Product: Debt collection

Commonwealth Financial Systems is violating FCRA by changing delinquency dates on collections posted on my credit report. Not only that, but they are NOT licensed to collect in the states of Florida. According to the Florida XXXX XXXX XXXX XXXX their license has been revoked/voided, on XXXX/XXXX/XXXX. All XXXX credit bureaus report delinquency dates that are all different on most of the multiple collections on my report. XXXX says XXXX XXXX, XXXX XXXX says XXXX XXXX, and XXXX  XXXX XXXX. There are also multiple duplicate collections for the same amount on them as well. recently they tried to add a another collection for {$830.00} with the delinquency date for XXXX XXXX, this is a re age of a account already posted for a delinquency year of XXXX. They added this to all XXXX credit bureaus also, and I do n't owe it, period. I contacted XXXX on XXXX/XXXX/XXXX and they removed XXXX out of XXXX collections over the phone from these fraudsters. They seen that these accounts were suspicious, and claimed that they had several complaints about this company. The only collection they could not remove was the {$830.00} they re aged, this is slated for removal on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Trans Union Report - Excessive Number of Credit Inquiries, Impacting Credit Scores ( Not Significantly ). XXXX  XXXX XXXX Told me to Shop around for a New Home Mortgage and Best Rates for 30 days without fear of negative impact on credit scores. XXXX XXXX told me there is room for credit repair here.
Product: Credit card

I SAW PROMOTION FOR CREDIT CARD ON XXXX FOR WELLS FARGO CASH WISE CREDIT CARD ON XX/XX/2017. THIS PROMOTION WAS SHOWING THAT CUSTOMER WOULD SPENT {$1000.00} IN FIRST 3 MONTHS OF OPENING ACCOUNT GET {$150.00} & ALSO 1.5 % BONUS ON TOTAL PURCHASE. I SPENT {$1000.00} IN FIRST MONTH STATEMENT. I RECEIVED MY FIRST STATEMENT RECENTLY, BUT I DID NOT FIND ANY BONUS OF BOTH AS PER PROMISE BY WELLS FARGO. I FEELS THAT IT IS A SCAM BY THIS BANK. ALTHOUGH I FULFILL ALL REQUIRED CONDITIONS TO GET BOTH BONUS. THIS BANK WAS KNOW FOR LOT OF FRAUD IN MEDIA IN PAST. CEO OF THIS BANK APOLOGIES IN PAST IN SENATE AND MEDIA FOR THOSE FRAUDS.I DO NOT TRUST THIS BANK FOR MY BONUS.CUSTOMER SERVICE OF THIS BANK IS VERY BAD & RUDE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX  XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$1000.00}
Product: Money transfer, virtual currency, or money service

XX/XX/25 I intended to send a payment of XXXX rent + security deposit ( labeled as such ) of {$800.00}. Due to misleading, and what I now believe entails fraudulent, design of cashapp 's XXXX, I mistakenly sent the payment to an unintended recipient who appeared to be the intended recipient. I typed the intended recipient 's correct " XXXX '' into the text box, and was prompted with a checkbox popup confirming if I wanted to send the money to a user who has the same name, but not XXXX, as my intended recipient. The incorrect cashtag was not displayed in this popup, and the username matched my intended recipient, so I had no reason to think that it was not going to the person who's XXXX  I typed in the box. I did not then, do not now, have never, and will never consent to sending my money to an unintended recipient. 

I have asked cashapp 's customer support numerous times to help me resolve this issue, as I have no way to contact or message the unintended recipient of my money, and attempting to request a refund or payment from them through the app gives an error message. In the United States, keeping money that wasn't meant for you is illegal. As it has been XXXX weeks now and the user shows no signs of returning my money, and cashapp has refused to help with this issue in any way, the actions of the unintended recipient amount to theft, and cashapp has been and continues to be complicit in this theft.
Product: Credit card

In XX/XX/XXXX, my husband passed away after a 3 month hospital stay. Not long after, I was inundated with medical bills, as well as I was working with his attorney to dissolve his Chapter 13 bankruptcy that was filed in XXXX. It was a very painful experience but after several months every creditor was notified of his passing, death certificates were sent, and I was able to begin the grieving process. In late XXXX I received a call and a letter from Portfolio Recovery. I explained to them the situation and they told me the account would be closed. In the last 24 months since then I have received numerous calls and letters from Portfolio Recovery. I have asked numerous times for verification of the debts they have for me and they have yet to provide me the information despite the fact that they have my mailing address. This has also been reported my credit report, and while it does show disputed, there has been no effort to provide proof of the debt to have this corrected.
Product: Payday loan, title loan, or personal loan

I did an on-line chat to get the address to send my payoff amounts for my XXXX loans. My normal address is a po box that you can not overnight payments. I sent in the payment to that address via fed ex with a tracking number. When the loans did not payoff timely, I called in to status. The customer service agent told me that they would forward to the proper address via regular mail and could take another week. I am confused why they would internally send payoff funds via regular mail to another one of their offices. After calling in 2 additional times, they finally told me to stop pay and reissue which I did. I asked to have the payments post dated to not pay any additional interest due to the error of the on-line rep. They did indicate this was an old address for them as I did not make it up. Now, they have asked proof of the on-line chat that they do not have stored in their system. I tried to log on to find it but they do not save the history for customers. I am at a loss as to how I can " Prove '' this conversation to them when they do not keep these records. They have told me that they will not back date and I also had to make payments on both loans that they are now sitting on because of the time delay so I would not be reflected as being late. I just want to be refunded the interest due to their error and do not understand why this is so hard and I have to prove to them the on-line conversation. They also need to strengthen their handling of payoff funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE FRAUD ALERT FROM XXXX XXXX EXPERIAN
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a collection account with NCA I settled it and it wasnt updated I disputed the information and XXXX  said the debt was verified. And I submitted the letter I received showing it was settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX
Product: Mortgage

I am XXXX XXXX XXXX and can no longer afford my mortgage. I am in a situation were I need to do a short sale. I have signed up for a program called XXXX XXXX XXXX XXXX who can help with the short sale and relocation assistance that I need. 

I have been told that Mr Copper is not letting me do a short sale to avoid a foreclosure. I understand that this file is seriously delinquent and other attempts were made. 

The file is more delinquent because of 20 months of COVID. The other attempts did not get approved because apparently the agents I hired did not know what they are doing. These are 2 factors I am not in control of. I am now working with a group that specializes in short sales and foreclosure prevention. 


I am asking for a 2nd chance to apply for a shortsale so I can relocate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 collections accounts on my credit report that are still showing through experian. XXXX  and XXXX have both removed these accounts. They are both from XXXX, XXXX, and XXXX. One is for XXXX and the other is for XXXX. When I called Experian on XX/XX/XXXX the lady I spoke with couldnt give me an explanation as to why this would be. And could only file a dispute on my behalf. I'm not denying that the accounts were mine. I would like to know why 2 other agency 's have removed these from my report and 1 still shows them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE REACHED OUT TO THIS COMPANY FOR OVER A YEAR NOW. AND I EVEN HAVE ASKED THEM TO PROVIDE PROOF OF ME EVER GETTING ANY TYPE OF LOAN FROM THEM. THEY HAVE NO PROOF YET THEY WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I NEED SOMEONE TO EXPLAIN TO HOW I CANT PROOF THAT I AM VICTIM. I DON'T KNOW WHAT INFORMATION TO PROVIDE, I KEEP CALLING XXXX XXXX XXXX, THEY CANT PROVIDE INFORMATION, I KEEP CALLING XXXX  AND EQUIFAX THEY CANT SEEM TO GIVE ME CLEAR INFORMATION. I THINK THESE BIG CORPORATIONS ARE DING THESE ON PURPOSE TO LOWER PEOPLES FICO SCORE OT THEY ARE THE ONESE WHO ARE SELLING CONSUMERS INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning. 

I was part of Equifax 's security breach. All I wanted to do was " opt out '' of Equifax 's ID Notify transfer of services to XXXX. I don't remember ever getting this notice. The only notice I received was to Enroll. See attached documents. Note that Equifax said you MUST Opt Out in order to prevent them from " sharing '' your information with XXXX. They should never be sharing any information with anyone and it is a privacy scam that I have had to spend so much time to no avail in order to Opt Out to prevent my confidential information from being shared. 

Here is the audit trail of what both of these credit reporting companies put a customer through with their intentional pingpong of phone numbers : 1. Called their listed website Opt Out Id Notify number on XX/XX/XXXX. The number listed as XXXX. 
2. Then I was told I had to call XXXX. Spoke to XXXX. XXXX said she was the wrong person and passed me to .... 
3. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX at XXXX PST. She passed me to .... 
4. XXXX where I spoke to XXXX at an XXXX call factory on XX/XX/XXXX from XXXX PST. She passed me to ... .. 
5. XXXX AGAIN ( see # 2 ) where I spoke to XXXX at XXXX. XXXX said she could do nothing and then transferred me to some number where I have been on hold for 20 minutes ( the wait was 90 minutes ). 

This is a game by credit reporting services to prevent a consumer from easily opting out of private information sharing between these Credit Reporting Companies. 

Can you advise me of a specific name and number where I can get this resolved? 
Can the CFPB do anything to prevent this horrifically poor Equifax-XXXX customer service scam from happening to other consumers? 

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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXG Inquired on XX/XX/XXXX 2020
Product: Debt collection

I began to receive collection calls and emails about a collection from an agency called BOUNCE AI. I think they are headquartered in New York. So they were saying that I owed XXXX and I called to try and see what it is about after it showed up on my credit report. They would call all times of the day and late at night, multiple phone calls. Kept trying to say that this account was mine. I sent paperwork to them on XX/XX/year> certified mail, asking them for information for why they believe that the debt is mine and still no response. I have been a victim of identity theft through both XXXX and XXXX. That being the case, I really would like a valid reason as to why they are contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute letter to experian on XX/XX/XXXX with copy of dL and ss card disputing fraudulent charges done by identify theft and haven received anything back
Product: Credit reporting, credit repair services, or other personal consumer reports

I was summoned to XXXX County Court, MA on XX/XX/XXXX and XX/XX/XXXX respectively by a law firm ; XXXX XXXX XXXX XXXX XXXX XXXX representing XXXX XXXX XXXX and XXXX XXXX XXXX As Assignee of XXXX XXXX XXXX for a credit card debt in the amount of {$2400.00}. I was vindicated by the court as not responsible for the debt. Attached is the disposition of the judgement from the court. I have since then sent 93A demand letters both certify and 1st class mail to the plaintiffs in the case for them to delete the negative item from my credit report but they refused to obey the court order. The letters sent to them were dated XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, More so, I have send similar letters to the three Credit reporting Agencies, XXXX, XXXX and XXXX to make due diligence and remove the negative item but to no avail.

Attached is the response from the Law firm XXXX XXXX XXXX XXXX XXXX represented XXXX XXXX XXXX and XXXX XXXX XXXX.

Attached also is the response from XXXX XXXX XXXX  It is pertinent to note that, since I was vindicated by the court I have written numerous letters to XXXX XXXX XXXX both certify and 1st class mail to delete the negative item from my credit report and they never responded to my 93A demand letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account Number : XXXX has reported me to XXXX XXXX XXXX # : XXXX for the amount of XXXX This account should have never been reported as I was on auto pay and there were two charges for a tech visit that I was promised, I would not incur due to technical issues. I spoke with a rep by the name of XXXX on XX/XX/XXXX who saw CLEAR notes of technical issues since the beginning of service and credited me XXXX due to the error on cox end. I then paid the difference of XXXX. I spoke with collections and billing numerous times. There were two tickets placed for the back office which requested the account to be removed from my credit report and a letter stating the account was paid in full and it would be deleted from my credit reports due to an error on cox end. I called on XX/XX/XXXX and spoke to a supervisor in billing named XXXX who advised me the ticket was closed and refused. I am not sure if the tickets placed are clarifying the full issue.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed the incorrect personal information with the XXXX consumer reporting agencies XXXX, XXXX, Trans Union in XX/XX/2024. They are reporting incorrect names, addresses and employment. I am requesting my information reports correctly on my consumer reports with XXXX name address and no employment.
Product: Prepaid card

I have a cashapp card. I filed a dispute for {$650.00} and they are refusing to refund my money knowing it is fraud