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

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Mortgage

My mortgage company refuses to release the funds my insurance company has given them due to water damage in my house. I have provided them with all documentation. Every day I contact them they are saying they are missing something else despite it being in the file the previous day. Although I was given an assigned representative, I am unable to speak to her. I was told that I was unable to speak to anyone in the claims department by customer service by a man named XXXX on XXXX XXXX due to my account statusdespite the fact I had paid my mortgage that morning. They have had a check from my insurance company since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681e ( b ) - 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. Experian fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX and XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We were advised to get a Reverse Mortgage by One Reverse Mortgage. Funded on XX/XX/XXXX. Original Principal Limit : XXXX one lump sum that we could invest and receive a monthly income. We had no idea how the Current Principal Limit could grow now to be XXXX with monthly interest XXXX plus service fee and MIP compounding monthly. 
My husband was XXXX and I was XXXX. We were getting married. We had been living together in our home since XXXX. Since my husband added my name to the deed. My name was still in my maiden name. 
At the time the lender told us I was the non-borrowing spouse and couldn't be on the mortgage because of my age. Then he said, " no worries, '' you can be added to the loan when you turn XXXX! '' So we both signed. 
Since turning XXXX, we have been attempting to get help with this. We immediately called after my XXXXnd birthday as we knew how important it was. Now we are afraid if something happened to my husband I would have to leave our home I've lived in for the past 15+ years. We feel the lender violated the law during our loan process by telling us this. We never would have signed otherwise. We were not counseled about " risks '' but just options, i.e lump sum or not etc. He was predatory, constantly calling us to do this. Then afterward he was nowhere to be found to question. 
This reverse mortgage has been through many companies the final now being XXXX XXXX XXXX of whom we have contacted many times. 
We've tried for six years and now finally wish to get this resolved and behind us as to what will happen. We have called and we have written. ( enclosed ) The original adviser went to California and left Florida where our loan was made in our home. 
Dates of contacts were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX plus many more and many telephone calls. We have a very large file of information from years of trying to get help. 
We were particularly vulnerable I suppose and that's no excuse, but we trusted what the lender told us. I am now XXXX and have XXXX XXXX This would be a terrible hardship for me to leave my home. Reverse Mortgages may help some cases but in ours it has become years of anguish, regret, and constant worry. Be sure to understand if you are not married at the time of signing. They may tell you that you can be added later but it's not true? Beware of being taken advantage of during counseling. 
Most recent calls were made XX/XX/XXXX 4 times. Someone did call back only leaving their extension but no telephone number. We tried calling back many times but got no response. One Reverse Mortgage, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXXXXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote in with a complaint that the CFPB clearly didn't care to back me on stating that my score/report couldn't be retrieved due to me not having a file or ssn. I was told in that complaint by Equifax exclusively that they saw no issue fast forward 45 days I needed my credit for a car, same issue but now it was with all 3 bueruos there was a " consumer decreased as of XX/XX/2022 '' alert/statement stoping all applications and reports from being seen by me and causing me to be locked out of my online accounts. For the past 20 days I've spent over XXXXXXXX XXXX  in mail delivery and faxes/prints and copies and over ( documented ) 15 hours!! On the phone with each agency. Numerous times they said " we don't see it '' I talk to a manager they say we do but you must send this in to remove it and I do, its off, then another alert is added and back and forth it goes. SOME OF THE VIOLATIONS include The need of your written consent to report Anything and your right to privacy 15 USC 1681b Permissible Purpose of Consumer Reports ( a ) ( 2 And Damages/Defamation of character/ Negligents 1.Civil liability damages violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ] I have nothing but time on my hands so I will file complaint after complaint talk to every lawyer that will listen and go after every company until I am compensated and I will raise my fee per complaint I have to redo
Product: Mortgage

In XX/XX/XXXX my loan was sold to Statebridge company, LLC.From the day 1 have problem with this company.People in customer service can't answer on simple question and every time when I call and speak with representative I get different answer. 

In XX/XX/XXXX from escrow account was paid county taxes $ XXXXIn XXXX I seen that I still owe county taxes and amount bigger than previous what I paid. I called to customer service and I didn't receive reasonable answer.In XXXX the story repeated.I still owe county taxes with bigger amount.The last drop was when I received Escrow Statement .In this Statement shown I owe {$3900.00} and this amount will pay in XXXX and I have shortage in escrow account $ XXXXMy monthly payment will increase on {$200.00}. The new payment start in XX/XX/XXXXHow it can be!!! The county taxes pay 1 time in a year and I already paid!!!! .I called to Customer Service , nobody could explain me and not transferred my call to Escrow department , I wanted to talk to representative who make this statement, because he or she looks such incompetent person.I told to Customer Service representative that the Statebridge Company owe me money, because it will overpay in my escrow account.For this big issue I want the Statebridge Company review and fix this wrong escrow statement and cancel my escrow account, I want to pay my taxes and insurance by myself without be upset and nervous.
Product: Credit reporting

Experian reports a debt that doen not belong to me without proof or validation. I have demanded proof of debt, and Experian simply responded that " collection agency has verified ''. 

Since XXXX 2015 I requested DEBT VALIDATION under FDCPA Section 809 - Validation of debts [ 15 USC 1692g ]. 

I requested the following documents : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

XXXX. only provided a " Statement '' does not have my address on the Statement they provided, and the phone number listed does not belong to me. 

The law clearly states that if a creditor ca n't validate a debt : They are not allowed to collect the debt, They are not allowed to contact me about the debt, andThey are also not allowed to report it under the Fair Credit Reporting Act ( FCRA ). Doing so is a violation of the FCRA, and the FCRA states that I can sue for {$1000.00} in damages for any violation of the Act. 
A collection agency CAN NOT report a debt to the credit bureaus which has not been validated, and, I can sue in federal or state court for the violation they committed. I can receive {$1000.00} for the incident plus damages. 

XXXX ( and Experian ) continues to report negative information on my report fraudulently. 

They have damaged my credit for over 90 days without any proof despite several requests. They continue to disregard all Federal laws.
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 customer financial protection act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving account vulnerable and unprotected.
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. DEPARTMENT OF EDUCATION XXXX .... Balance : {$760.00} - This kind of account is in fact posted as a charged off account. The balance is in fact incorrect, make sure you reverse it to XXXX or erase the item totally. Make sure you also render documentation to be sure of all the charges and credits to this alleged account is mine. If you can't give these details and proof on this per my civil rights petition, you need to instantly delete this wrong account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my numerous complaints that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized.These accounts are unknown to me. Also, the information you provided on some account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some account is a mystery to me. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

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

I originally disputed the information in XXXX of 2023. I spoke with the company and they told me that it should not have been reported as late and it would be fixed. XXXX said the company never corrected the information. I called again and requested a transcript of my payments which confirmed that I was never XXXX, XXXX, or XXXX  days late. They again said they would investigate. Nothing happened. I recently had the opportunity to purchase a home for under market value but it needed to be done in a timely manner. When the lender pulled my credit the negative hit from Westlake financial was still there and prevented them from moving forward. They told me to take care of it.
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 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 Proceed 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: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in 60 days to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports 8
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 XXXXXXXX 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. 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 following inquires has also been opened up under my social security number fraudulently. 

Resident Verify XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I XXXX XXXX entered into a consumer credit with Citizens Bank NA on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge is suppose to include insurance, but Citizens Bank NA made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

It has now been XXXX  days since I requested to see the nature and substance of all information in Equifax 's files on me, the consumer. I submitted this request to them XX/XX/2024. Per the Fair Credit Reporting Act Section 609, I requested this information by mail and I have yet to receive it. Despite not receiving the requested information in the mail, Equifax continues to report the inaccurate and unverified information to my credit report. Per the Fair Credit Reporting Act Section 611 " if after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. '' Equifax has failed to provide the requested verifiable proof and failed to submit a response by the XXXX  day deadline given to them. I request the immediate removal of accounts ending in XXXX and XXXX from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/XXXX This CFPB has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you, the XXXX credit reporting agency , block information appealing on my consumer credit report that results of identity theft and fraud with 4 business days of you recieving this complaint. This fraudlent, inaccurate, and false information consists of a personal credit card account opened at XXXX credit, on XX/XX/XXXX under the account named XXXX XXXX, another credit card account JPMCB card services XX/XX/XXXX, XXXX cant give the exact dates of both of theses accounts opening all I know there have been a data brench and I have been recieving letters concerning this matter also mail being stolen out my trash. Theses accounts have resulted in several fraudulent hard inquires and fraudulent collections appearing on my consumer XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Account : {$110.00} Reported to collection agency Receivables Performance Removed from Receivables Performance in XXXX. 
Account was paid on XX/XX/2021 directly to creditor XXXX. 
2nd Collection Agency XXXX XXXX XXXX XXXX was added to credit report on 2/3 after account was paid. 

Credit reports now reflect 2 different agencies attempting to collect the same debt from XXXX after it has been paid. 

Reached out to XXXX to have collection agencies removed immediately and waS told I had to wait until they updated meaning my credit will have 2 negative/derogatory accounts for the same creditor.
Product: Money transfer, virtual currency, or money service

Initiated MoneyGram money transfer from my debit card to recipients debit card on Saturday XX/XX/XXXX. The transaction reference number is XXXX XXXX. MoneyGram represented that transfers to accounts in XXXX take minutes. The transfer was not completed to the destination bank until Monday morning, XX/XX/XXXX. As of Thursday, XX/XX/XXXX the money has not been transferred to recipients debit card account. I spoke with someone at the MoneyGram Escalations Dept on Monday, XX/XX/XXXX. They confirmed that the transfer was received by recipients bank in XXXX, ( XXXX ) but was being held and not deposited to recipients account. MoneyGram CSR said he filed an expedited complaint. He told me to call back in two or three business days to follow up. I called back on Thursday, XX/XX/XXXX. Spoke to XXXX XXXX : Case # XXXX. XXXX refused to contact the bank or do anything further. She said it would take 30 days to complete. This is considerably longer than a few minutes MoneyGram promised in their promotional materials. ( I allege false and deceptive advertising ). I said this is not acceptable and requested a refund. She said that would take 30 business days. I am left with no resolution at this time. And XXXX is holding my money. I want it back! 

On Tuesday XX/XX/XXXX I attempted to contact XXXX via their website. One contact phone number and one email address was provided. 

I called the phone number. It was a recorded line. It gave one toll free ( XXXX ) number and two local phone numbers. I was prompted to dial 0 to speak to an agent. I dialed 0 and nothing happened. I called the two alternate numbers provided. Each rang over two dozen times. No answer. 

XXXX Main # : XXXX XXXX XXXX XXXX Alternate numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX I sent an email on Tuesday, XX/XX/XXXX As of Thursday, XX/XX/XXXX there has been no response. 

Email address : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX, or Transunion ) credit report, and I noticed some Hard Inquires reported on my credit report : And have noticed multiple fraudulent inquiries that i never authorized. In complete violation of Your company is in clear violation of the law. Under 15 USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK '' Except as otherwise provided in this section, 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 receipt by such agency of ( 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.