23daVinci/CFPB_Complaints huggingface dataset:
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 Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXXXXXX XXXX Account # XXXX has violated my right. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Paid off the loan in full. Asked for the company to update on all 3 credit bureaus. No response from the company. I paid the remaining balance off and I have the receipt. I would like them to update the credit to reflect correct report.
Product: Vehicle loan or lease

We fell behind on payments for a minute after I lost my job. We have been playing catch up on it and we noticed as we are paying the past due balance wasn't going down. on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I made {$100.00} payments on a balance of {$470.00} and none of those XXXX {$100.00} payments reduced the past due. XXXX I contacted the company we were told it all went for interest instead. I requested all payment history and any other document including contracts from them and have been denied and ignored. We also noticed none of the payments made since XX/XX/XXXX have come off the balance either. They have also blocked me from logging into the website I tried to log in and make another payment on XX/XX/XXXX and XX/XX/XXXX and was met with I have to call them.
Product: Checking or savings account

I am reaching out to formally file a complaint against Capital One due to significant issues I am experiencing regarding missing paycheck deposits. 

Capital One has not provided any updates on when customers, including myself, will receive their deposits. This delay has left me without access to my funds, which are urgently needed for essential expenses and bills. 

Adding to the frustration, attempts to contact customer service have been unsuccessful. Each time I call, the phone line disconnects. Ive tried multiple times, to no avail. Additionally : The main social media page ( XXXX ) has issued no updates or acknowledgment of this issue. 
The customer service page on XXXX continues to provide only generic responses, such as were working on it, to every inquiry without offering a timeline or resolution. 

This lack of communication and transparency from Capital One is unacceptable and has left me financially strained and without answers. I am requesting your intervention to investigate this matter and ensure Capital One promptly addresses this issue, provides clear updates to customers, and resolves the delays in deposits. 

Thank you for your time and assistance. I am happy to provide any additional information needed.
Product: Credit reporting or other personal consumer reports

What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/year> Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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/year> Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Mortgage

I had a mortgage with AmeriHome Mortgage which was paid off on XX/XX/2019. My loan number was XXXX. We were told at closing that the escrow account balance would be mailed to us in 30 days. As of this date, we still have not received it. 

I called AmeriHome customer service in XXXX and was told their policy is the company will wait 30 days after closing to process the payment. As our loan was closed on XX/XX/2019, the check would be mailed the end of XXXX. I have called numerous times in XX/XX/2019 inquiring where the check was as we had not received it. I was told it was cut on XX/XX/XXXX. But they offered to stop payment and reissue but it would probably take another 30 days before we receive it. 

In talking with XXXX ( would not provide last name ) a customer service representative on XX/XX/2019, she told me that AmeriHome cuts checks but does not mail them out for a week in order to allow approval. I asked her to stop payment and reissue and expedite it. She said she could not expedite.. I asked to speak to a supervisor. XXXX ( XXXX ID # ) came on the line and told me he can stop payment which will take 5-7 business days, Then they would request a replacement check which would take time with the check needing to go through another 5 business day period for approval and then he could request that the check be overnighted but he could not guarantee they ( another dept within AmeriHome ) would approve it. I said I would pay for it but he said no that should not be necessary. 

I explained to XXXX that I was going on vacation out of the country and was counting on the money for my vacation. I am leaving XX/XX/XXXX ( early XXXX ) for 15 days. I told XXXX I really need that check before that. 

I apologize for the long story, but given my situation I wonder if the first check was ever mailed. It should not take 30 days to get money sent back to a homeowner. In fact, it should be given back at closing. I wonder if this process is structured such that AmeriHome can keep prior borrowers money until we scream so they can invest it during this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  and XXXX XXXX reinserted a collection account on to my credit report from all state credit bureau. I have investigated this myself in the past and the account was not able to be validate. I even drove out to the address listed on the credit bureau, sent letters an had pictures submitted to the credit bureaus that XXXX XXXX XXXX XXXX XXXX XXXX mi XXXX was closed. I even drove out to the location. Ive contacted the state of Michigan for licensing and the company reporting name is not licensed as that theyre licensed under XXXX XXXX XXXX XXXX XXXXXXXX Further more according to FCRA law FCRA 611 ( 15 U.S.C. 1681I ) ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 


Which I received no such letter from either credit bureau. XXXX XXXX XXXX XXXX XXXX as they are now known and licensed under. At XXXX XXXX XXXX XXXX XXXX XXXX XXXX decides to reinsert this information after being closed down from previous address for how long? Mr XXXX XXXX, XXXX XXXX and XXXX  needs to address this situation. From what Im being told is the account is paid off and terms agreed to by XXXX   XXXXXXXX XXXX XXXX of the harassing calls they made to my home that a pay for delete was verbally offered by there office. Which of course will be denied on there end.
Product: Debt collection

I am writing to formally file a complaint against XXXX XXXX Spring Oaks Capital regarding its failure to conduct a proper investigation into inaccuracies on my credit report. I have submitted XXXX separate dispute letters to XXXX, yet they have failed to adequately investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). Despite my repeated attempts, the inaccuracies remain on my report, negatively affecting my credit score and financial well-being. 

Below is a summary of the inaccurate information I have repeatedly disputed with XXXX : [ XXXX ] - Account # XXXX & [ Spring Oaks Capital ] - Account # XXXX XXXX account opened XX/XX/XXXX and no data is reported XXXX account closed XX/XX/XXXX but reports that i was only 30 days late, which XXXX is it? 
a. if i was 30 days late XX/XX/XXXX, then how was then on XX/XX/XXXX i should be 60 days late b. account closed XX/XX/XXXX but charged off XX/XX/XXXX & still reporting date ; that is impossible has to be either or XXXX transunion XXXX reporting that the account is closed but XXXX states that i have a {$0.00} balance and is in good standing XXXX opened XX/XX/XXXX this alleged debt has surpass the XXXX years of report that is required by the FCRA and should have been off my account XX/XX/XXXX XXXX last activity not matching other credit bureaus XXXX based off my credit report from XXXX XXXX has not reported any data but they sent me a investigation with data reporting XXXX there is no monthly balance ; if this alleged debt is relating to a credit card then i should have a monthly balance XXXX transunion on credithero.com has no data, the data transunion sent me has late payments, but XXXX states i made 40 % XXXX on time payments. all bureaus have to have the same data XXXX this alleged debt and my personal information was shared w/o my consent to Spring Oaks Collection agency ; which means all spring oaks information should be similar or exact to XXXX ; yet the information is different 10. spring oaks has been trying to collect and has collected money on a closed account I requested a thorough investigation to be completed and despite providing supporting documentation with each dispute letter, XXXX and Spring Oaks have failed to remove or properly verify the incorrect information. If a proper investigation were actually conducted then all these inaccuracies will not be able to be reported. Their failure to conduct a thorough investigation and provide me with a reasonable resolution violates my rights under the FCRA. 

Please find attached copies of my previous dispute letters, supporting documentation, and any responses received from XXXX and Spring Oaks. I appreciate your prompt attention to this matter and look forward to your assistance in resolving these inaccuracies. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX 15 U.S. Code $ 1681c-2 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.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with Citimortgage issued in XXXX which I refinanced with them in XXXX. At the time, I had just come out of a Chapter XXXX bankruptcy. The mortgage was reaffirmed and paid directly. The account had never been late. At no time was it included in the Chapter XXXX plan, nor could it have been, given that the law does not allow secured debt to be discharged in bankruptcy. A mortgagor should know that. 

When I refinanced in XX/XX/XXXX, Citimortgage paid the XXXX mortgage off when it closed on the refi. Given that they were the originator of both mortgages, there shouldn't have been any question that the status of the XXXX was anything other than " closed, paid or paying as agreed '' ; nonetheless, Citimortgage reported to all three credit bureaus that it was " included or discharged in Chapter XXXX. '' I contacted Citimortgage to ask for a correction in XX/XX/XXXX, and they confirmed the error and stated that it would be corrected within 30 days as required by FCRA. This did not happen. 

I applied for a new mortgage in XXXX, XXXX and learned that the information was never corrected. I then filed disputes with all three credit bureaus. They corrected the information with XXXX and changed the status to Closed, " paid or paying as agreed, '' and stated that they were correcting my record with XXXX and XXXX. 

In late XXXX, XXXX I discovered that the information had never been corrected with XXXX or XXXX so I contacted Citimortgage again, demanding that it be corrected within 30 days or I would file suit under FCRA. They sent a letter on XX/XX/XXXX again confirming that the information was inaccurate and would be corrected. It has now been 30 days and nothing has been reported to the credit bureaus. 

As Citimortgage clearly has no intent of correcting the information they were required to report more than one year ago, government action is needed. Please open a file and demand that the information be corrected immediately. I will separately be pursuing a suit under FCRA, but I would appreciate it if you could have the information corrected in the interim.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process.

Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. XXXX XXXX
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 effective measures and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for theses violations.
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 Account Number : XXXXXXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX XXXX announce it experience a data breach which impacted the personal information of approximately XXXX XXXX people. Settlement was reached. 

On XX/XX/XXXXXXXX  received notice of data breach from XXXX XXXX. Suspicious activities was detected on their computer network. 

Under section FCRA-605b please remove all derogatory marks off my credit reports
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXXXXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and correct them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

In my last letter I informed you, you are in violation of my rights as a natural person. I am the original creditor of the credits used for my education. The XXXX XXXX notes you supposedly sent are void and expired. The degrading assumptions, obscenities, harassment, oppressive and abusive language, evidence of unfair practices, and furnishing of deceptive forms in your letter dated XX/XX/2022 are not taken kindly. Again, I do not owe a debt, and I will not and can not pay a debt just as anybody else under Public Policy in the united states of America. Please do not threaten me again. Enclosed is the letter from you using scare tactics. Provide verification that I can agree with or a judgement, until then cease further communication with me and any person or consumer reporting agency without a judgement.
Product: Mortgage

The mortgage company reported my mortgage as forbearance but my loan is supposed to be reported as on time and current based on the guidelines by the Care Act. This is negatively effecting my credit. My credit card company reduced my credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because Experian, XXXX and XXXX   have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues, such as failing to forward consumer provided evidence to furniture, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures aligned with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my Credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian in action, violates federal law and my rights as a consumer.
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 TransUnion 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 XXXX XXXX Date Opened XX/XX/XXXX Balance {$320.00} XXXX XXXX XXXX  XXXX XXXX Date Opened XX/XX/XXXX Balance {$230.00} XXXX  XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$0.00} XXXX XXXX XXXX  XXXX Date Opened XXXX XXXX, XXXX Balance {$470.00} XXXX  XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$880.00} XXXX XXXX Opened Date XX/XX/XXXX Balance {$11000.00} XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Opened Date XX/XX/XXXX Balance {$55.00} FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX  XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX
Product: Credit card or prepaid card

all loan apps denied, home mortgage, new auto and used auto, 1 mil in damages so far and adding with this company 15 usc 1692k civil liabilities Civil Liability Act 1936 An Act to consolidate certain Acts relating to wrongs. Contents