23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax disputing a credit inquiry on my credit report from XXXX XXXX. 30 days after this letter being received by Equifax, this account was not marked as disputed on my credit report. 

On XX/XX/XXXX, I sent a letter to Equifax disputing late payment information reported on my credit file by XXXX XXXX XXXX XXXX XXXX. Upon reviewing a copy of my credit report on the XXXX, I saw an entry listing 7 late payments. My XXXX XXXX XXXX Account Number is XXXX. I challenged the accuracy, compliance and reportability of this listing and requested that I be provided with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from my credit report. Per section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, Equifax had 30 days to complete this investigation and to mark this account as disputed on my credit report. Per my certified mail receipt, this letter was received by Equifax on XX/XX/XXXX. This account was not marked as " disputed '' on my credit report within a 30 day window. 

By not properly investigating this matter within the required timeframe, Equifax violated federal law. I have evidence of such willful misconduct via certified mail receipts and copies of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX* Balance Owed XXXX {$0.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX  I Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ), outlined in 15 U.S.C. 1681, was enacted to ensure the accuracy, fairness, and privacy of information in consumer credit files. I have identified significant inaccuracies in the Kikoff account reported on my credit profile, which have caused confusion and hardship. Specifically, the reported {$750.00} credit limit is incorrect, as I never authorized or agreed to such terms. Additionally, there are numerous inconsistencies in how this account is reported across XXXX, XXXX, and XXXX, including discrepancies in payment history, account status, and activity dates. For example, XXXX shows late payments leading to a charge-off in XX/XX/year>, while XXXX shows No Rating for all of XXXX, and XXXX reflects conflicting late payment data before marking the account as charged off in XX/XX/year>. These inconsistencies violate your obligations under XXXX5 U.S.C. 1681s-2 to ensure accurate reporting. Additionally, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), information solely pertaining to transactions or experiences between the consumer and the person making the report is excluded from the definition of a consumer report. This means that late payments based on internal transactions or experiences should not have been included in the credit report. The inclusion of these late payments violates the FCRAs definition of permissible reporting. Furthermore, I have filed an FTC Identity Theft Report ( # XXXX ) to address concerns that this account may involve unauthorized use of my information.

Attached are My credit report My letter to you Identity Theft Report
Product: Debt collection

Midland Credit Management has called me several times a day for weeks now. They have definitely called more than seven times in a week. They have sent an email threatening to sue me if I did not respond immediately. I have XXXX and other XXXX covered by the XXXX and I am struggling to get back on my feet. My only income is from government assistance at the moment. I am undergoing psychiatric treatment and training to reenter the work force. The repeated calls from various numbers are having a negative impact on my medical conditions. I have records of all their calls on my phone and can prove that they have violated the law by calling me more than 7 times a week. I would like to seek a copy of their records of all phone calls and communications they have sent to me and I want them to cease and desist harassing me for a debt I do not have the capacity to pay. Furthermore I may seek damages against them if they continue to deliberately harass me and aggravate my medical conditions. Please help me.
Product: Debt collection

Opened XX/XX/2019 ( 8 mos ) Account status Open Type -- Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name 12 XXXX XXXX XXXX XXXX XXXX Have no knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the inclusion of certain collection accounts on my credit report, which I believe are inaccurate and unverified. 

I have already sent a debt validation request to the collection agencies as per my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and I have yet to receive satisfactory proof that these debts are indeed mine.

I request that you investigate these matters promptly and remove or correct the disputed information from my credit report if the creditors can not verify or validate the debt. The FCRA requires you to complete this investigation within 30 days of receipt of this letter ( 15 U.S.C. 1681i ).

Please note that accurate reporting is crucial for fair credit practices, and it is my right as a consumer to insist upon this. If these inaccuracies are not corrected, it could have severe implications on my credit worthiness, which is a violation of my consumer rights under the FCRA, for which I may be eligible to seek statutory damages.

I have enclosed a copy of the credit report containing the disputed accounts. I look forward to your prompt action to resolve this matter.

Thank you for your time and understanding.
Product: Credit reporting or other personal consumer reports

Spoke to representatives from XXXX XXXX XXXX XXXX. 
They stated that this account was open in the state of Pennsylvania using a phone number and email address that doesn't belong to me
Product: Credit reporting or other personal consumer reports

XXXX : ** Complaint Regarding Inaccurate Late Payment Reporting by Equifax XXXX XXXX : ** XXXX XXXX XXXX XXXXXXXX XXXX XXXX*Credit Reporting Agency Involved : ** Equifax - **Creditor Reporting Late Payments : ** XXXX XXXX XXXX - **Account Number : ** XXXX -- - This complaint addresses Equifaxs inaccurate reporting of late payments for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX under my XXXX XXXX  XXXX account ( XXXX ). ** Despite the fact that I made these payments on time, Equifax continues to report them as 30 days late. These inaccurate entries have negatively affected my credit score and caused undue financial XXXX. 

-- - # # # Violations of the Fair Credit Reporting Act ( FCRA ) : 1. **Failure to Ensure Maximum Possible Accuracy ( 15 U.S. Code 1681e ( b ) ) : ** Equifax has a legal obligation to ensure the maximum possible accuracy of the information it reports. These inaccurate late payments violate this obligation.

2. **Failure to Conduct a Reasonable Reinvestigation ( 15 U.S. Code 1681i ) : ** Under the FCRA , Equifax must conduct a thorough reinvestigation of disputed information. Failure to reverse these inaccurate late payments demonstrates noncompliance.

Requested Resolution : I am requesting the CFPBs assistance to ensure the following actions are taken : 1. **Reverse the Late Payment Marks : ** The late payment entries for XXXX XXXX, XXXX XXXX, and XXXX XXXX must be reversed and corrected to reflect on-time payments. 

2. **Provide Verification or Documentation : ** If Equifax continues to assert the validity of these late payments, they must provide detailed documentation, including : - Billing records for the disputed months.

- Proof that delinquency notices were sent to me.

- Evidence showing that payments were not made within the agreed-upon terms.

3. **Update My Credit Report : ** Ensure my credit report accurately reflects that payments were made on time. 

-- - # # # Supporting Documents Enclosed : - Payment confirmations for XXXX, XXXX, and XX/XX/year>. 
- Bank statements showing timely payments. 
- Credit report comparisons highlighting discrepancies between XXXX, XXXX, and Equifax. 

-- - # # # Escalation of Complaint : Failure to resolve this issue and reverse the inaccurate late payments will leave me with no choice but to pursue further legal recourse and file additional complaints with regulatory agencies. 

Thank you for your immediate attention to this matter. 

**Sincerely, ** XXXX XXXX XXXX XXXX XXXX XXXX Let me know if you need additional edits or more information.
Product: Vehicle loan or lease

I have repeatedly requested a full accounting of all payments and charges for this account from its Inception to verify the amount owed is correct the company has refused to respond for over 9 months now. The next step is to file a civil lawsuit in small claims court in XXXX Missouri against all board members and directors for the above company
Product: Credit card or prepaid card

On XX/XX/XXXX, I paid off balance {$4000.00} online from checking account.

On XX/XX/XXXX, I canceled recurring payments of {$110.00} set to occur XX/XX/XXXX and XX/XX/XXXX.

On XX/XX/XXXX, Bank of America ( BOA ) processed an electronic payment of XXXX from my checking account. I did not authorize this! The credit card balance was already {$0.00}, and the transaction was not necessary and not authorized! This transaction resulted in a credit balance of {$4000.00}.

On XX/XX/XXXX, I noticed the unauthorized transaction and called BOA to look into possible fraud. Spoke to multiple departments - fraud, credit card services, online services - but nobody could provide reason or how an unauthorized transaction could have occurred. XXXX investigation # XXXX supposed to look into this matter. I requested the XXXX be refunded to me by check.

On XX/XX/XXXX, I called BOA regarding the findings of case # XXXX. BOA 's response was unsatisfactory because they only stated the facts of what happened, and did not provide an explanation of how such a transaction occurred without my authorization. It was not a mistake on my part, as I have evidence of my recurring payment for XX/XX/XXXX was canceled. Furthermore, the setup for my recurring payments was only {$110.00}. My account scheduled payment activity history does not show any authorization. I still believe there may have been fraudulent activity, but on the part of BOA in taking money from my checking account and hoping I would not notice.
Product: Credit reporting or other personal consumer reports

When I checked my credit report today, I was surprised to find inaccurate accounts that I dont recognize. I regularly review my credit report, but this time, there were unexpected errors. Hoping it was just a browser issue, I refreshed the page, but the inaccuracies persisted. Because of this, I request a careful examination of the documents Ive provided to ensure this problem is resolved permanently.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$640.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$970.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$670.00} XXXX - XXXX - XX/XX/XXXX - {$2400.00} XXXX  XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX  - {$0.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This all started back in XX/XX/2020. Capital one and agree to pay XXXX month on the XXXX. On what we agreed on. Capital one is not keeping its word. Capital one is not telling the credit companies that I am paying off debt to them. I want formal complaint against the ceo and the board directors of capital. I want the person or the people handling my complaint fried. For blowing me off for these months. I want it done. I want the payment to come out on the day I said. Not few days after. On the day the XXXX
Product: Credit reporting or other personal consumer reports

I requested a copy of my free XXXX XXXX XXXX and seen inquiries on it that I did not give my permission.I was shocked to see them, this is against the FCRA laws XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

The bank sent my money to the wrong account through their mobile app, and have admitted that they are not sure what happened or how money sent to my mobile number was sent into another account. Some of their suggestions have been like so : 1. Whoever had my current mobile number before I had it is probably the person receiving the money. This ca n't be because this number was generated for me XX/XX/XXXX and there were no smart phones in existence on Earth. 
2. Someone set up the mobile app on their phone with my number. This is a clear flaw of their security and they say it 's not their fault. They, however, can not explain how someone can set up a mobile app with only incoming money capabilities. 
3. I am stupid and do n't know how to setup a banking mobile app. I 'd like to note I have XXXX banking apps in my smartphone only, plus another XXXX that I use with regularity on the same smartphone, and have never had this happen to me with any other service. 

They are unwilling to take my money from the wrong account because that account was setup with my mobile phone number. A mobile phone number my bank has had since XX/XX/XXXX, when I opened my first checking account. Another security flaw. 

The amount the bank owes me in mobile transfers is {$720.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I CALLED XXXX, EXPERIAN AND XXXX SEVERAL TIMES ( TO REMOVE THE FRAUD ALERT FROM MY CREDIT FILE )
Product: Vehicle loan or lease

My XXXX XXXX XXXX XXXX was stolen on XX/XX/XXXX, and to this day Go Insurance has yet to pay out the remaining bank note to PNC Bank despite my numerous emails and attempts to reach anyone at XXXX  to resolve this. I am in the middle of applying for a new loan and the lack of attention and punctuality from XXXX XXXX is unfairly and inaccurately hurting my XXXX XXXX because this loan from PNC is showing as delinquent. 

Timeline : - Vehicle Stolen XX/XX/XXXX - Claim Filed with XXXX via the XXXX App XX/XX/XXXX - No response from XXXX, no email, no phone call, not even a confirmation email or text that my claim had been filed. 
- Had call with XXXX giving statement and starting loss process on XX/XX/XXXX. 
Vehicle was stolen XX/XX/XXXX, have police report and all that. Cant find total loss letter or anything like that. 
- Per emails from XX/XX/XXXX and XX/XX/XXXX between XXXX and I, she indicated she was waiting for payment to go through to lien holder. I said thank you and asked what the vehicles assessed value was, she then asked me how many miles it had. Seems like they had no idea what the value was yet, but were claiming to be waiting to have payment to lien holder go through. XXXX. 
- XX/XX/XXXX XXXX indicated via email she spoke with the bank ( PNC ) and was advised to allow a few days for payment to process in their system. Said she would give them a call by end of that week ( week of XX/XX/XXXX ). 
- XX/XX/XXXX crickets from XXXX between XX/XX/XXXX and XX/XX/XXXX, I send email to check back on XX/XX/XXXX and never heard anything from XXXX or anyone at go other than the chat bot since that email was sent. 
- XX/XX/XXXX XXXX XXXX at XXXX via XXXX chat system, told me to email XXXX XXXX at XXXX XXXX. My email to XXXX bounced, I left her multiple messages and never heard anything from her or anyone else at XXXX.
Product: Mortgage

so many problems with wells fargo. a. they are not calculating my interest correctly. b they did not show the XXXX payment which was my XXXX  XXXX payment on my next statement. c. they paid my homeowners insurance a month early last year and are now using that as the basis to say my escrow account has a shortfall and they want to raise my payments. d. the escrow history they sent dated XX/XX/XXXX does not reflect the XXXX payment i made on XX/XX/XXXX XXXX they are also showing that i did not make escrow payments some months in XXXX which is total XXXX. since my escrow payment is currently {$250.00} a month this would cover the {$220.00} that they say i am short in my escrow. perhaps you need to fine them another XXXX XXXX dollars as they seem to continue to do questionably legal things. Am wondering how many 1000 's of people they are illegally assesing these trumped up charges due to there errors on. 

please start a full and complete investigation as it is clear by there repeated actions that they they seem to think they can just do whatever makes them the most money and that they feel they are above the rules and regulations.
Product: Credit reporting or other personal consumer reports

Failure to Comply with Cease and Desist Letter Under 15 U.S.C. 1692 ( c ) of the FDCPA I am submitting this complaint because I sent a cease and desist letter to [ Debt Collector/Agency Name ] under 15 U.S.C. 1692 ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), requesting that all communications regarding disputed accounts cease. Despite this, the accounts in question are still being reported on my credit report, which I believe violates my rights under the FDCPA and possibly the Fair Credit Reporting Act ( FCRA ).

The accounts are inaccurate and should not be included on my credit report. I have taken the following actions : Sent the cease and desist letter on XXXX via certified mail to ensure receipt. 
Included specific disputes about the accounts and provided all necessary supporting documentation. 
To date, these accounts remain on my credit report, which has caused continued harm to my credit standing and financial well-being. I believe this is a violation of both my right to have accurate credit reporting and to limit communications about disputed debts. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure the collector complies with the FDCPA and that the inaccurate accounts are promptly removed from my credit report. 

Thank you for your assistance. 

Additional Information : Debt Collector/Agency Name : XXXX XXXX
Product: Student loan

According to XX/XX/XXXX, settlement, the loan # ending in XXXX that Navient claims I have should have been relieved. The school that Navient ( at the time called XXXX XXXX ) is claiming that I had the loan for was a for-profit school ; according to Navient, the loan did take place between XXXX and XXXX, according to Navient, the loan was in delinquency, and I live in the State of Virginia XXXX The schools name is not a requirement in this settlement. Navient was supposed to inform me by XX/XX/XXXX that the loan has been relieved, but no information has been sent to me about loan relief till now. 
Also, nothing has been updated on my credit history to this day. I called Navient multiple times about this issue, but the people who answered the phone said they were not allowed to discuss it. I guess the fraud and deception of Navient continue. They need to update my credit history in which they should report that the loan has been relieved or should remove the loan # ending in XXXX from my credit history. Otherwise, I am calling all the XXXX state attorney generals and informing them about the fraud and deception that Navient continues. They need to do this as soon as possible and send me loan relief information through this website.
Product: Mortgage

I had an investment property in florida that I sold last XXXX, 2018 in a short sale. The original loan had PMI on it and the shortage to the bank was paid from the proceeds of the PMI policy on XX/XX/XXXX of 2018. In short, the bank, Fifth Third Bank, was made whole and suffered no loss. 5/3rd sent me a year end statement that verifies the same. Two weeks after I received the year end statement, 5/3rd then sent a 1099C showing a discharged debt. This 1099C should never have been created as there was no loss to the bank and the PMI made the bank whole. Ive spent hours on the phone repeating the same information over and over again and while they've acknowledged they made a mistake, they have not corrected it and I can not file my taxes until they do. They need to cancel out the erroneous 1099C 's issued to both my wife and myself and provide me with proof of the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent a a letter regarding inaccurate items on my credit report. Its been over 30 days later and I have not received a response. I have not given none of these companies/corporations permission to report anything on my credit report or privy to any of these filings. By law an investigation over 30 days gives a reason to immediately remove items. These accounts are affecting my credit report and costing me thousands of dollars in interest. I have filed a complaint with the XXXX XXXX XXXX and the federal trade commission. I feel like I'm being taking advantage of, and I demand these accounts be deleted immediately or I will file for litigation due to the stress you cause me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Debt collection

XXXX XXXX is trying to bill me for my nephews outstanding bill of {$250.00} he was XXXX when he signed up so I added myself as adult he turn XXXX on XXXX of XXXX and we called to remove my name and put Him as responsible party with his info. Now he has moved and not be paying his bill so they are coming after me.
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 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 violations