23daVinci/CFPB_Complaints huggingface dataset:
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 # XXXX number 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX XXXX XXXX Date of inquiry : XX/XX/year> Account name : XXXX XXXX XXXX  Date of inquiry : XX/XX/year> Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX has so many inquiries which is against the equal fair credit reporting act witch is a fraudulent reporting consumer transactions against consumer law so my credit was stolen color of law has took place 242 USC subsections 1983 my credit I extended I got back nothing...
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX : 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Debt collection

I requested a cease and desist instead they made it a dispute and contacted the credit bureaus to label it as a dispute, in which is a direct violation of my cease and desist request! As TSI is using a medium of indirect communication, communicating indirectly to third parties is a indirect form of communication.
Product: Credit reporting

I currently have disputed an appt from XXXX XXXX that is on my account with a balance of {$950.00} that has been sent to collections that I did not open. I currently have been having XXXX service for over two years now and did not authorize this XXXX XXXX account to be open. I did contact XXXX XXXX to inform them that I did not open this account nor did I ever contact them to have this account opened. XXXX XXXX did inform me there was nothing they could do for me. I need this removed off my credit report due to I did not authorize for this account to be open under my information
Product: Credit reporting, credit repair services, or other personal consumer reports

My Issue is with Equifax Information Services, since XX/XX/XXXX. I have not had access to an Equifax score of any kind. Every lender that has tried to pull my credit has not been able to access an Equifax score of any kind. I called Equifax on XX/XX/XXXX when i was denied for a loan, when a prospective lender said i had no credit history, so i reached out to Equifax and i was told to answer some questions to prove my identity and mail in my Drivers License and Social Security Card. I was told to that in two weeks everything would be fine. Well in early XXXX, i ordered my Equifax Credit Report, when it arrived it showed my 12 accounts ( open and closed accounts ), I was doing this to prepare for refinancing my home. 

In Mid XXXX, i applied to a lender, my XXXX and XXXX   Credit Scores showed, but no Equifax Score, so i reached out again to the XXXX XXXX and i went to the same process, answer some questions send in my Drivers License and Social Security Card and  give us 2 weeks. No Equifax Score. 

In Mid XXXX, i applied same experience, visible XXXX and XXXX Credit Scores, but no Equifax Score, so i reached out again to the XXXX XXXX and i was transferred to the Global Consumer Dept, I went to the same process, answer the identity questions, this time the said FAX in my Drivers License and Social Security Card and call back in 72 hours, No Equifax Score. 

On XX/XX/XXXX, i applied to a Mortgage lender and i had the same experience, my XXXX and XXXX Credit Scores showed, but no Equifax Score, I am attaching the Letter from the Lender.

I need Equifax to stop this process from happening. I have called enough, i have sent in enough documentation. XXXX and XXXX are not giving me this headache.
Product: Debt collection

Demand payment letter return mail blind envelope addressed to XXXX XXXX XXXX... ... ... ... ..this is not myname not me Tate & Kirlin Associates collection XXXX XXXX, PA collection for XXXX XXXX - XXXX XXXX account XXXX show me a statement from XXXX ... ... ... ..with acct XXXX in my name letter showing they will accept 40 % of balance ... ... ... ... ... ... .. XXXX who does that? 
This seems like a phony collection. 
XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX.
Product: Mortgage

As indicated in the earlier complaint on XX/XX/XXXX I came out of forbearance due to Covid. Since then, I have made monthly payments to Specialized Loan Servicing ( SLS ) of {$3400.00}. In XXXX payments of {$3400.00} were made on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In response to my earlier complaint SLS reported that on XX/XX/XXXX deferral was processed and the account was current. 

3 weeks ago, I was notified that my credit rating was reduced from XXXX to XXXX due to late and missed mortgage payments to SLS. The SLS message center claimed that my account was past due. I sent SLS the canceled checks showing that payments have been made and ask for a correction of the credit report. 

A XX/XX/XXXX SLS Message claims my XXXX payments have been late and that I owe {$15000.00}. I sent SLS copies of all 12 canceled SLS checks each for {$3400.00} for XXXX. As indicated with the checks, I have always made payments on or about the XXXX of each month, which was my due date. 

During XXXX I have received no indication or any reporting from SLS that my payments were up to 57 days late and that I was accruing delinquent late fees. The only correspondence from SLS was 6 notices of Intent to Foreclose ( XXXX, XXXX, XXXX and XXXX, XX/XX/XXXX and XX/XX/XXXX ). In addition, SLS has not provided a XXXX Form 1098 Mortgage Interest Statement. 

In XXXX payments of {$3400.00} have been made on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and a payment was mailed on XX/XX/XXXX. 

Since I have received zero monthly statements from SLS for XXXX, XXXX and XXXX I requested then in writing on XX/XX/XXXX, which I received this week. The provided XX/XX/XXXX Mortgage Statement claims I owe {$16000.00} due to late fees and missed payments. 

If required, I can provide copies of all canceled checks that SLS has cashed. 

Thank-you for your attention to this matter.
Product: Debt collection

Jefferson Capital Systems the collecter name is XXXX XXXX. He called my wife today and said we were 3 months behind. We set automatic payments with this same person months ago and payments were being taken out monthly. It was set for the XXXX every month XX/XX/XXXX payment was taken out was set for the XXXX. He said we stopped the payments and need to call the bank and said they will take her to court and garnish her pay. We call the bank and we did not stop the payments there company never took payments out. The bank said there was no post from them and we had funds every time. I called back and talked to them. This person messed up the payment arrangements and again messed it up today and put the next auto payment for XX/XX/2022 years from now. He did not leave any notes in the account from his call today so it took another person and a supervisor to fix this issue and to remove is out of the delecincy because of his mess up and he threatened us by saying they were going to take us court and garnish our wages. I got it fixed with the other people he put our account back up to XXXX and we paid XXXX on this account. Becuase he messed it up they corrected it to now XXXX. My wife is XXXX and this almost gave her a XXXX XXXX  do to her illness. I want to know what I can do to get this justified for the threat he made and the company completely messing up our account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX please remove the credit inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian please remove these credit inquiries, they are fraudulent XXXX XXXX XXXX XXXX XXXX please remove these credit inquiries they are fraudulent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reached out to TransUnion in a recent dispute and asked for the account with XXXX XXXX to be verified to its completeness and if it couldnt be to 100 % fullness ; to delete the account from my credit report. I received notification that the reinvestigation was accurately completed on XX/XX/2022, but there still remained errors that werent satisfactorily verified. Credit reporting laws ensure that credit bureaus report only 100 % accurate information and that every step must be taken to assure the information is completely accurate and correct. The following information, therefore, is not. The law states that, in general, after every reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete the item of information from the file of the consumer, or modify that the item of information as appropriate based on the results of the reinvestigation. 

After the reinvestigation, Ive noticed that the date of last payment remains incorrect and the account status and monthly payment amount remains incomplete, in which is inaccurate.
Product: Bank account or service

I am a mutual costumer of Bank of America and I have submitted a compliant about a XXXX ago and XXXX of the employee from customer resolution contacted me and notified me that the issue I had was taking care of and they will issue me a balance I had before they terminate my account and i did receive the check from them but when I took it to the bank they said " the check is invalid '' and they could n't give any explanation as to why. I called the customer service and they said " there is nothing we can do '' they left me with anger and disappointment. This is the most unprofessional bank I have ever seen. None of them could resolve the issue I have with them. It 's my money and they told me that I had a balance that needs to be given to me but they still have n't returned my money. What kind of bank disappoint some one who has been a customer over XXXX years?
Product: Debt collection

A credit card by QVC called a Q card was fraudulently used to purchase games and other electronics. I did not make these purchases nor did I receive any of the items. I have spoken to fraud department with  XXXX XXXX, QVC, and I have filed a police report with the XXXX Police Department which is currently being investigated by their fraud department. XXXX XXXX  nor QVC has provided me with any proof of my signature for this purchase. I have been told that items were sent to a previous apartment that I resided as well as a PO box that I have never had. XXXX XXXX  remains on my credit report as a derogatory mark. I am requesting this item be removed immediately as there is absolutely no proof that this belongs to me.
Product: Credit reporting or other personal consumer reports

Verification of Charge-Off and 1099-C for account # XXXX Dear CFPB, I hope this letter finds you well. I am writing to formally request verification of the charge-off and issuance of a 1099-C for the account associated with the above-referenced number. This request is made in accordance with the Internal Revenue Service ( IRS ) guidelines and regulations. Please provide the following information for the specified account : 1. Confirmation of the charge-off status for the account in question. 2. Details regarding the amount of the charge-off. 3. The date on which the charge-off was officially recorded. Furthermore, I kindly request a copy of the Form 1099-C that has been or will be issued for the aforementioned account. This form is crucial for accurate reporting of income and compliance with tax obligations. If there are any supporting documents or additional information required to fulfill this request, please do not hesitate to inform me promptly via email at XXXX. I appreciate your prompt attention to this matter and look forward to receiving the requested information within a reasonable timeframe. Thank you for your cooperation in providing the necessary documentation for this verification process. 

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

I have been having lots of billing related trouble ( incorrect bills, Automatic payment stopped without any reason, XXXX minutes waiting time to get their representative on phone, email responses after XXXX days etc ) with my XXXX XXXX company ( XXXX ) for the last 2 years. My account number with XXXX XXXX is XXXX. I had numerous email exchanges with their support team regarding these billing snafus. 

In addition to these billing related issues, there have been 2 times in the past 2 years when my credit card was used fraudulently within a few weeks of registering with them for my monthly account payment. These 2 cards I used very rarely otherwise. 

My latest latest billing issue started in XXXX when their automatic payment system failed to pull out the monthly account fee from my bank account. I followed up with them over email ( transcript file name XXXX ) and when the online access issue was resolved on XX/XX/XXXX, I payed the balance for XXXX and XXXX along with the payment for XXXX that wasn't due until end of the month. 

To my surprise, XXXX XXXX XXXX business marked my account as delinquent for the unpaid balance for 2 months ( XXXX & XXXX ) and reported this to Experian and other credit reporting companies. I filed my dispute with Experian w.r.t these facts ( that I tried my level best to resolve the billing issue with my Solar provider company and the bill for 2 months wasn't being payed due to an issue with their backend system without my fault ). My dispute was closed within XXXX weeks without providing me any further details and an opportunity to me to provide more facts.
Product: Credit reporting or other personal consumer reports

I discovered that a credit account is being reported inconsistently across the XXXX major credit bureaus. For example, one bureau shows the account as Closed with the following delinquency information : 60 days late in XXXX, XXXX, and XXXX, and 90 days late in XXXX. Another bureau also lists the account as Closed. Still, it reports the account as 30 days late in XXXX, XXXX, and XXXX, 60 days late in XXXX, and even labels it as Repossession in XXXX. Meanwhile, a XXXX bureau shows the account as Open with 30 days late in XXXX, XXXX, and XXXX. 
I have disputed these discrepancies multiple times, yet the inaccurate information remains on my credit report. According to federal guidelines under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( which requires a reasonable reinvestigation and deletion of any unverifiable or inaccurate information ) and Section 623 ( which mandates that furnishers report only accurate and verifiable information ), these inconsistencies are unacceptable. The persistent reporting of this account with conflicting data violates these guidelines, severely damaging my credit profile. 
I am seeking immediate resolution and permanent deletion of this inaccurate account from all credit reports.
Product: Debt collection

I received a call from Southeast Toyota stating that I was behind in payments. I mentioned that it is the spouse that usually handles the payments and I requested to drop the late fees that have reached almost {$80.00}. I am not trying to not pay the monthly dues, but as good customer service, I requested to drop said late fees.

The supervisor then said that since they're audited by CFPB, they could not drop the accumulated fees.
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 process was unfair and deceptive/ as they did not comply with eror resoltion requirements under the Electronie 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 resolved a debt from XXXX with Midland Funding LLC, XXXX XXXX XXXX  and they took me to court in XXXX. I never recieved a proof of debt where the collection agency bought the debt and that I owed them the amount still. They put a lien on my property and never sent paperwork to arrange payments on this matter. Fast forward 10 years later and they filed a motion with the assistance of XXXX and XXXX representing them. XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), MO XXXX. Phone : ( XXXX ) XXXX to revive the debt/judgement. They did so on the day before the 10 year grace period expired per the XXXX XXXX RSmO XXXX. When I called about the proof of debt they stated they didnt have correct address to send me paperwork then stated " we tried to but we didn't have the correct address and it got a notice to return back to sender '' however, if they did in fact try and send said paperwork how were they able to send me summons to appear in court to the same address they had on file? I went to my court hearing today on XX/XX/XXXX in XXXX XXXX and the mediator for the attorney 's offfice who doesn't even work for XXXX and XXXX stated they didnt have to send me anything to pay the bill or set up a payment plan which doesn't seem ethical at all. Now the original debt they said that I owed was {$6400.00} and that they incrued interest of {$6000.00} which made my total debt {$12000.00}. That amount spanned over 10 years is an interest rate of 20 %. Now I am an XXXX XXXX XXXX XXXX and that amount is against the law per XXXX and XXXX XXXX. XXXX The XXXX percent interest rate cap. 50 U.S.C. 3937 The SCRA limits the amount of interest that may be charged on certain financial obligations that were incurred prior to and during military service to no more than six percent per year, including most fees which can be found at https : //www.justice.gov/servicemembers/servicemembers-civil-relief-act-scra # : ~ : XXXX % 20 % XXXX % 80 % 93 % XXXX % XXXX % XXXX % XXXX, per % XXXX % XXXX % XXXX % XXXX % XXXX. 
Furthermore, the action taken by this company I beleive violates XXXX Missouri statute MO XXXX XXXX XXXX that limits the amount of time they have to collect on an old credit card debt they wish to settle. Lastly, I tried to contact XXXX and XXXX to resolve this debt and they were beyond rude with me and basically stated that they would not settle for any less than the {$12000.00}. I beleive they are trying to bully everyday citizens and are violating the protections of servicemembers. Please advise on what I can do to resolve this. Thank you for your assistance and have a great day. I can be reached at XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX  {$580.00} XX/XX/XXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXX XXXX  {$1200.00} XX/XX/XXXX i have XXXX inquiries that i did not do nor authorize to be done on my behalf.. 

XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had identity theft over 7 years ago, and had a detective submit information to XXXX XXXX on acct in Ohio. XXXX XXXX then sold the acct to XXXX XXXX XXXX, who keeps putting it on my acct over and over again. I give documentation from police and Equifax removes from Credit report temporarily after a 30 to 45 day investigation. then about few months later, they throw it back on my credit report again and again. Then Equifax says due to XXXX XXXX changing the original date and lying, they have to redo the investigation for another 30-45 days each time. This acct is over 7 years old and fraud acct, so no reason to ruin my credit score and chance at credit for a fraudulent over 7 year old acct. I have plead with them everytime to just not put back on my acct and they keep doing it over and over and helping XXXX XXXX collection agency. This is not fair credit reporting and I am so mad about it. I will go to media and get lawyer if this does n't get straightened out by Equifax. I have been patient for over 7 years and now its getting to be repetitive behavior with no heart to how they affect people 's lives or chance at credit. I pay my bills that belong to me on time and not fair to be punished over lies.
Product: Credit reporting or other personal consumer reports

There are hard inquiries reporting on my credit file that I did not initiate or authorize. I believe there have been fraudulent attempts to open credit accounts in my name. As of XX/XX/XXXX, XXXX  XXXX XXXX is reporting to TransUnion that there were two hard inquiries made on XX/XX/XXXX and XX/XX/XXXX, and TransUnion is reporting this inaccurate information even after I have informed them that this information is fraud. The hard inquiries from " XXXX  XXXX XXXX '' on XX/XX/XXXX and XX/XX/XXXX were never authorized by me and are a result of identity theft. They are causing me severe harm and distress and they need to be removed immediately.