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

I don't understand how Experian continues to report this fraudulent account on my credit report. The other credit bureaus such as XXXX and XXXX conducted investigations and removed this account since I am a victim of identity theft fraud. 

The following fraudulent account must be removed from my credit report as required by the Fair Credit Reporting Act ( FCRA ) *The following account is the result of identity theft. 

*Account name : XXXX XXXX XXXX XXXX XXXX *This account does not belong to me. I have never had any commercial relationship with XXXX XXXX. 

*I am concerned about how this account could be associated with my name and Social Security number. I did not authorize the opening of this account or permit any third parties to conduct transactions in my name. 

*This account was created through identity theft and was opened without my knowledge or authorization. 

*Pursuant to Section 605B of the Fair Credit Reporting Act, I request that this account be immediately removed and blocked from my credit report, and that notifications be sent to all furnishers of this information as required by law.

*Additionally, there is a duplicate entry of this fraudulent account on my credit report. This must be corrected promptly to ensure accuracy and compliance with my rights under the FCRA.

*Notice of Potential Penalties for Non-Compliance *Under the Fair Credit Reporting Act, credit bureaus are required to investigate and correct errors, especially in cases of identity theft. If a credit bureau fails to fulfill its duties, the following penalties may apply : *Statutory Damages : Consumers are entitled to seek statutory damages, which can range from {$100.00} to {$1000.00} per violation.

*Actual Damages : If the error results in harm, such as higher interest rates, loan denials, or emotional distress, I am entitled to seek compensation for actual damages.

*Punitive Damages : In cases of willful non-compliance, punitive damages may be awarded as a deterrent.

*Attorney 's Fees and Costs : The FCRA provides for the recovery of attorney 's fees and costs if legal action is taken.

*Failure to address this issue promptly and accurately may subject the bureau to these penalties. I expect immediate compliance with the FCRA requirements to correct and permanently block this fraudulent account from my credit file. 

*Request for Verification Procedures *In addition, I request a detailed explanation of the procedures that XXXX has XXXX to verify this account information, as required under the Fair Credit Reporting Act. This information is essential to understand how this error was made and to prevent future occurrences.
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 proce 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 14 financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

Dear Sir or Madam : My former employer, Loan Depot , LLC, has improperly submitted a disputed contract claim to XXXX XXXX XXXX as a collections matter, despite that the contract upon which it seeks to rely in support of its claim is invalid and has been replaced in its entirety by a contract that does not contain any repayment requirements. This is an employment dispute and not a consumer financing or credit matter. I have never gotten a loan from Loan Depot and dont intent to.

The matter is currently pending before the Court under the aforementioned docket number, and the undersigned 's employment attorney is in the process of filing a motion to dismiss the Complaint for failure to state a claim upon which relief can be granted. The biggest abuse of the Fair Credit Reporting Act I feel it has violated is the fact that they have sold the account to a collection agency and are also suing me for the same amount and case. Again, the only reason I left Loan Depot before my employment contract was up is becuase they replaced my contract in XXXX which canceled out all other employment contracts previously executed. 

This matter does not involve an installment or revolving account, nor is it properly a collection account as there has been no determination that XXXX XXXX has any obligation to repay her former employer for a sign-on bonus. 

To the contrary, the most recent employment agreement between Loan Depot , LLC and XXXX XXXX makes clear that it replaces all prior agreements between the parties concerning XXXX XXXX employment, and it does not contain any requirement that XXXX XXXX repay any of the compensation paid to her in connection with her employment. 
Based on the foregoing, the " collection account '' in the amount of {$110000.00}, reported by XXXX XXXX XXXX, is inaccurate, unverifiable, and improper and does not reflect a debt owed by XXXX XXXX. As such, please promptly delete this information from XXXX XXXX 's consumer file as required by the provisions of 15 U.S.C. 1681i ( a ) ( 5 ) ( i ).

If you have any questions or require further information, please do not hesitate to contact me.

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a signature loan for about three years with Navy Federal. I have never gone 30 days past due on my payment. I called Navy Federal on XX/XX/XXXX after discovering they took social security ( protected funds ) from my account to pay towards my loan which was a few days past due. I have spoken to them about this on numerous occasions and they tried to say that because I moved the funds from the savings into the checking that it was no longer protected, which is absolutely incorrect! My loan was due according to my XX/XX/XXXX statement for XXXX. I called and set up two payments one for XXXX to be processed on XX/XX/XXXX and another payment of XXXX to be processed on XX/XX/XXXX to satisfy the remaining balance on my loan. I called their collections department and got the XXXX amount from the representative. Last week on XX/XX/XXXX I checked my online banking app to make sure there was nothing owed on the loan, and it read XXXX $ balance, and I was not past due. Today when I opened the app it said I was XXXX days past due for a XXXX late fee that posted on XX/XX/XXXX. I was not notified of this and was utterly confused as to how I can go from owing nothing and not being past due to a week later I am now XXXX days past due. When I called Navy I spoke to collections twice, I spoke to lending and a lending manager and member services. Everyone acted as if I was in the wrong and it was my fault for not realizing I was going to get hit with a late fee a month later even though I paid off the loan and I was given no reaction time since when the fee posted I was instantly put at 30 days past due. I am beyond furious at Navy stealing my social security funds and then trying to justify it AND me satisfying my loan balance and the amount put on my statement, and still being reported for credit. The lending manager said she would pull the call and if SHE feels I was given the incorrect amount, said they MAY see about getting this removed. Navy Federal is still up to their deceptive ways and I am going to be pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Number : XXXX XXXX XXXX is reporting this account as a " paid/charge-off '', in which it should not be any derogatory mark. I paid this account in full when I joined the XXXX XXXX and the account should be closed, without any negative marks. Please remove this account from my credit report as it is a misrepresentation of a derogatory account. The balance shown is an erroneous amount that was caused by the company 's flawed reporting records. As I joined the XXXX XXXX ( XXXX XXXX ), I obviously moved and updated my address, in which, XXXX failed to notify me of the account 'NOT '' being closed. The XXXX sales representative sales manager stated my account was at a XXXX balance and my account was closed, in XXXX of 2019, and it was not updated on their end. This account is damaging my creditability and providing emotional hardships to remain employed in the Armed forces.
Product: Mortgage

To whom it may concern I have my escrow account with my mortgage provider. In XXXX, Freedom mortgage purchased my mortgage and assumed all responsibilities. Freedom mortgage failed to pay my flood insurance, at a cost of {$690.00}. The company then failed to notify me, call or email me, or send the payment so I can make it. As a result, my flood insurance has expired and I had to find out right before hurricane Ian hit. As of now, the 2 insurance quotes I have are {$1800.00} through XXXX ( previous insurer ) and {$1400.00} through XXXX, which is more than double my premium. 

This is completely Freedoms fault since they hold a fully funded escrow account and failed to make the payment. Therefore, I am seeking the following relief : 1 ) Freedom mortgage to purchase my flood insurance, as is its responsibility. Any increase in quote above {$690.00} will be paid by them. 

And 2 ) Future increases of more than 20 % will be handled by the mortgage company, even if mortgage is sold to a different company. The responsibility will transfer. 

Or 3 ) Refund me the charge for Escrow ( at closing ) and send me back my account and Ill handle mu finances. 

And 4 ) Refund me all the months that Freedom left me exposed. 


Freedom has grossly mishandled my situation, failed to reasonably inform me back in XXXX ( I could have paid {$690.00} ) and continues to not be responsible. They need to be held accountable for their lack of action. 

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

This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX  XXXX. Please delete this account ASAP.
Product: Debt collection

I spoke with the senior manager of the Office of the President ( corporate office ) of XXXX XXXX XXXX who after supplying them with the tracking number for the mobile phones stated that the account would be reduced to a {$0.00} balance. He stated this would be done within 24 hours ( on XX/XX/XXXX ) yet the collection account remains open. Email thread attached for reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate accounts reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report XXXX XXXX, XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. I hereby demand that you immediately delete negative items from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney Generals Office, and the XXXX. 
Please govern yourself accordingly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In conjunction of my previous dispute regarding fraudulent accounts appearing my credit report. XXXX  never addressed the number of fraudulent inquiries listed on my credit report : 1. XXXX XXXX XX/XX/XXXX 2. XXXX  XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I recently received a copy of my credit report and found proof that Equifax is illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4300.00} This is a violation of the FCRA and is in violation of requisite METRO2 Compliant reporting standards. 
I HAVE INCLUDED A COPY OF THAT REPORT AS EVIDENCE.
Product: Mortgage

My house is under contract to be sold. I requested a payoff statement from Seterus Inc back on XXXX XXXX. As of XXXX XXXX that payoff statement has not been provided because they had a " system upgrade '' back in XXXX and are months behind. According to the CFPB website, lenders are supposed to provide a payoff within 7 days. Please help me meet my contractual obligation by assisting me in getting a payoff statement. 
I was also made aware that this lender is supposed to provide a statement showing my payment and how it 's being applied. It 's been YEARS since I received a statement from Seterus.
Product: Debt collection

I filed a complaint against API earlier where they have told relatives I needed to call or go to jail. They now have called my place of employment threatening, The number they use is XXXX. My case number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to XXXX, TransUnion, XXXX. They claim they verified all information with furnisher who is XXXX XXXX. I call about complaint because CFPB said they needed more information. Called XXXX the person on the phone couldn't find any info on complaint as per XXXX,. I gave them this number and they pretended to not know what i was talking about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted my police report to Equifax detailing fraudulent accounts reporting in error on my credit report. The account numbers and fraudulent account details were included in my police report. I also included a copy of my drivers license and social security card. I requested that the fraudulent account be removed pursuant to the Fair Credit Reporting Act, Section 605B. Equifax processed disputes and verified my name and social security number that has been breached and ignored my police report detailing the fraudulent accounts that I did not open.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX of this past year I received XXXX hard inquiries on my credit report. During that time XX/XX/XXXX and XX/XX/XXXX I recently purchased a XXXX XXXX in full from XXXX XXXX XXXX. They unauthorized contacted Wells Fargo, XXXX XXXX auto, and first help finance. 
The XXXX that I purchased off of them they sold me a lemon, no loan was taken out the car was paid in full and not even XXXX minutes off the lot, we return the car to the dealership and got our money back. The main manager at this dealership assisted us through it all yet I still have these unknown errors on my account which ultimately hurt my credit report.
Product: Credit reporting or other personal consumer reports

Approximately 2 weeks ago I contacted EQUIFAX to contacted them to inquire who provided to them information relating to a Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/scrub>XXXX XXXX  ( Docket XXXX ), and they were unwilling/unable to provide the name or the " information provider. '' I have never provided any " information provider '' express written consent to share my consumer nonpublic information with any entity, and I hereby opt out of the sharing my consumer nonpublic information by an '' information provider, '' pursuant to 15U.S. Code1681b ( a ) ( 2 ) and 15 USC 6801 thru 6809and16 CFR 313.7 ( f ), with all nonaffiliated third-parties, including, though not limited to the following : Equifax, XXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report that I reported to Experian on XX/XX/XXXX. Unfortunately, to this date, I have not received any response from Experian regarding the disputed information. I am seeking assistance from the Consumer Financial Protection Bureau ( CFPB ) to address this matter. 
The following are the details of the inaccurate information and the required corrections : 1. ) Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$130.00} The above account was never late, contrary to the information on my credit report. I kindly request Experian to correct this inaccurate information on my credit report. 


2. ) Account Name :XX/XX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} The above account does not belong to me, and I request Experian to remove it from my credit report. 


3. ) Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$430.00} You are reporting the account incorrectly. I disagree with the balance of {$430.00}, as I remember the amount to be lower. I request Experian to delete the information regarding the past due amount, as this account is closed and charged-off. Since my credit score depends on the changes applied to my accounts, I ask Experian to mark this account as disputed, so it does not influence my credit score. 


4. ) Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$720.00} The inaccurate evidence on the above account is incorrect and is causing significant prejudice to my credit reputation. The balance of {$720.00} provided by Experian does not correspond to the lower amount that I remember. I request Experian to revise the past due information, as it is not accurate to present a past due amount for a closed account that was charged-off. This account has likely caused a drop in my credit score. Therefore, I need to reach an agreement with my creditor regarding the incorrect data. I kindly request Experian to mark this account as disputed because I do not want my credit score to be further affected. 


5. ) Account Name : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} The above account needs to be examined due to incorrect reporting. The balance of {$1000.00} reported by Experian seems to be higher than the balance that I remember. Experian presented this account as closed, so the past due amount is not supposed to be provided for this account. I believe it would be beneficial to address the misleading data directly with the creditor. I am determined to immediately proceed with such a course of action, but I need Experian to report the account as disputed while I'll be trying to find a solution.
Product: Credit card

I have multiple accounts with Citibank and always make my payments on-time and consistently pay my account. I use less than 40 % of my available credit yet that did not stop Citibank from reducing my credit line without notice or the opportunity to request reconsideration.
Product: Mortgage

In XX/XX/XXXX US Bank did not supply me with an Escrow analysis or a year end statement as in previous years. In fact In complained about in here in CFPB, because they had sent letters saying they were sure There was going to be an escrow shortage. Then between XX/XX/XXXXand XX/XX/XXXX, they change the amount 3 times. Without providing any documents of the escrow and just sent an amount with no, accounting. During that period the record shows that I filed 2 complaints with the CFPB. US Bank delinquency in providing me with the amount of the shortage actually created more of an issue. Instead of providing a year end statement and escrow analysis in XX/XX/XXXX which would have afforded 6 months before taxes were due, the bank waited until XX/XX/XXXXbefore providing documentation and that only after I complained the second time. That effectively left me 1 month to prepare. In fact, if the analysis had been in XX/XX/XXXX, then the 6 months could have shown a smaller monthly increase to cover the shortage, rather than a big bang the month before the taxes was due for the 1st installment. <P/>I found that to be rude and non customer-centric. <P/>I received a notice in XX/XX/XXXX that defined the terms of the payment. The shortage amount as listed as XXXX and it was added that if I were to send in that amount then my monthly PITI would be XXXX. <P/>So I sent in the check ( # XXXX ) for the amount of the shortage which was delivered to US bank on the XX/XX/XXXX, deposited on the XX/XX/XXXX and posted on the XX/XX/XXXX. The check was clearly marked Tax escrow only.
<P/>
My bank is also showing an ACH transfer ( XXXX XXXX ) delivered on the XX/XX/XXXX for the amount of XXXX matching the PITI which was dictated by US bank as the amount of my mortgage starting in XX/XX/XXXX should I chose to pay the shortage. <P/>I have received a statement from US bank saying they are using a suspense account, that they are charging late fees ( XXXX ), and that my monthly PITI is XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 the items below have been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of reinserting a previously deleted item ( 15 U.S. Code 1681i ( a5B ) ). I did not receive any such notification. Delete the items immediately or I will be forced to take legal action!

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, XXXX, XXXX, Credo, XXXX, XXXX, and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Debt collection

This company is located in XXXX, XXXX. They keep calling me from a number XXXX, which is an XXXX, XXXX area code, and where they do NOT have an office. I have dealings in XXXX, so I answer it. This is very deceptive.