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

I have repeatedly disputed these negative items on my report they are still appearing with on my report the credit bureaus have failed to give me proper proof of how theses accounts are mines. the information is misleading and false which is a consumer law violation 15 U.S. Code 1692e.False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section these items have been disputed well over a MONTH AGO WITH NOTICE WITH NO REPLY WITH NO ANSWER
Product: Credit reporting, credit repair services, or other personal consumer reports

Been fighting Experian and XXXX for three years to report correct information. We supplied Experian, XXXX and XXXX with a FAXED ( right from XXXX   ) paid in full letter from the creditor XXXX XXXX XXXX, ( attached ) showing that the date paid in Full, XX/XX/XXXX was before the, " as of delinquency reporting in XX/XX/XXXX '', and there was no balance, of {$120.00}, yet they refused to remove the inaccurate information and update accordingly. I also complained to XXXX, multiple times in which they sent me the Paid in Full letter again and claimed they were going to contact the bureaus. I also filed a complaint with CFPB which I didn't get any accurate results and just the runaround. I had to file again with the XXXX against XXXX XXXX XXXX in XX/XX/XXXX in which they responded and sent me a letter claiming they had corrected my Credit reports ( attached ) and that I was in good standing dated as of XX/XX/XXXX, yet a month later I applied for credit and this account was showing up 90 days late, through a third party creditor but getting information directly through the main bureaus. XXXX the only ethical bureau at least removed the account from my report in XX/XX/XXXX. During this time I have had to get many loans with my credit compromised due to these Credit Bureaus not doing their job and abiding by the law. I has cost me money by having to have a higher interest rate as some scores were different by as much as 50 points with basically the same profile. XXXX, has claimed they contacted the Bureaus many times to report correctly, with no results and this went on for 3 years so far. I do not understand how this is lawful business.
Product: Debt collection

XXXX XXXX credit card ( XXXX ) has contacted people with the same last name as myself and left messages with them to find/call me XX/XX/2018. They have also violated tcpa by auto dialing my sons cell phone on numerous occasions in XX/XX/XXXX and XX/XX/XXXX. This matter does not have anything to do with anyone else. They are giving out personal information to third parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020, Citi bank reported I had a late payment. They removed my account from auto pay without notice. I immediately called in and paid the {$34.00} balance as well as the remaining amount of over {$2000.00} in a good fath gesture. XXXX updated my report and removed the late payment remark. XXXX and XXXX refuse to assist me and remove it from their reports. I have multiple Citi Card accounts and have made payments to them over the last year over {$30000.00} without being late.
Product: Debt collection

In response to my complaint, the documents attached by collection agency ( Reference number : XXXX of identification number XXXX of Portfolio Collection service- the document submitted for validation did not describe the details about specific products or services they claim that I purchased. The claim of cash withdrawal in this new document is not submitted with proper identification on what day and what place this transaction was done? 

In earlier validation the document submitted, this claim of cash withdrawal was not reported when I requested for full validation of the claimed debt. Furthermore, there is no direct communication from the original creditor regarding the charges claimed by the collection agency. The fraud complaint form from the collection agency can only be used after through validation is completed establishing about the claim by Portfolio.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment regarding your credit bureau 's handling of the investigation into the fraudulent account on my credit report. 

As you are aware, I have submitted the required FTC report to the Federal Trade Commission concerning this fraudulent account, and as a result, XXXX and XXXX have removed this account from their records. I have also directly contacted the bank associated with this account and they has confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. 

It is imperative to recognize that as a credit bureau, you are legally mandated to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates these obligation but also exposes me to further harm. 
XXXX XXXX XXXX
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries 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 XXXX 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 value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

It looks like the original creditor was XXXX XXXX. I spoke to XXXX XXXX bank bank in 2017 regarding this account. I had no knowledge of this account that was opened under my SSN and immediately filed a dispute.The results of the dispute came back as i was NOT Liable for this account. One year later, XXXX   XXXX bank forward this account over to a third party collections company XXXX XXXX. I have spoke to this third party company and adivsed them that I was not liable for the account. I then also contacted XXXX   XXXX bank again and they act like they have no knowledge of anything, since the account was forwarded over. There is report on my credit report. That the account was removed initially when it was with XXXX  XXXX bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report regarding closed accounts that are negatively impacting my credit score. The accounts in question are as follows : Creditor Name : XXXX XXXX  Account Number : # XXXX Reported Status : Closed Negative Creditor : Credence Resource Management Account Number : # XXXX Reported Status : Paid Settlement Negative According to the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate information in my credit report. I believe these entries are incorrect for the following reasons : These accounts were paid in full and should not reflect a negative status.
Product: Mortgage

At the end of XX/XX/2020 my homeowners insurance was due to expire. My taxes and insurance are escrowed and have been since I have had the loan. Due to the pandemic I have been dealing with health issues within my family. 

I got a notice from Chase Bank in XXXX notifying me that there was no insurance on my home. I asked Chase Bank why they did not pay my renewal bill at the end of XXXX since money is escrowed to cover that bill. Chase Bank said they did not receive an insurance bill from my insurer. I asked Chase Bank why they did not contact XXXX and get the renewal bill since they did not receive it. 

Chase Bank stated they called XXXX but could not get anyone to answer the phone. I said it was your responsibility to wait and get an agent on the phone and get the bill no matter how long it took. They disagreed. 

When I got the notice in XXXX notifying me I did not have insurance, I called XXXX  and had insurance restored. I had to have a whole new policy written because Chase Bank did not do its due diligence in obtaining my insurance renewal. The renewal bills are not sent to me because I have an escrow account. 

On XX/XX/2020, Chase Bank took {$2100.00} from my escrow to cover my new insurance policy. However, on XX/XX/2020 they took {$1500.00} from my escrow account to cover force placed insurance for XXXX and XX/XX/2020. I do not believe they followed the force placed insurance laws of RESPA and they depleted my escrow account in the process. I had to place {$1600.00} in the escrow account to insure my upcoming taxes would be paid.
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 violated the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent an address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute and 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 am seeking appropriate redress for these violations.
Product: Mortgage

Altisource Solutions Inc., working as a XXXX for XXXX XXXX XXXX XXXX XXXX XXXX sent a XXXX  to my house with the intent to break in my home. There was a criminal case and conviction of the XXXX in the XXXX XXXX XXXX XXXX XXXX, XXXX. Altisource and the other above named companies did this intentionally knowing I occupied the home. I was in communications with my loan servicer at the time.
Product: Debt collection

We moved out the XXXX XXXX XXXX XXXX ' apartment on XX/XX/XXXX. We even confirm the moving and provided our new address with the management team ( Please see email attached. ). We never received any communication about any balance since. But on XX/XX/XXXX, over a year later, we started receiving calls and mails from " National Credit Systems '' trying to collect a {$50.00} debt from the XXXX XXXX XXXX APTS ( see history below ). We were never told why we owe this amount. I called the XXXX XXXX XXXX XXXX on XX/XX/XXXX ( please see screenshot ). They confirmed that I did not owe anything when moving out. I then tried to have the collector remove this from my account. To which they refused.
Product: Debt collection

I reached out to the company to request validation, however, they kept providing me with letters [ That I have attached ] stating that the account was " accurate '' and requesting settlement completely disregarding my request for proper validation. I would like this account removed as they are in violation of my FCRA rights of reporting an invalidated debt after numerous attempts to request and resolve it. Proof has been attached. 

I sent disputed in XXXX, Sent a validation in XXXX and sent lettersXXXX, and XX/XX/2021!
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this Complaint to inform you that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureaus are required to remove any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) acopy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. The items listed below were not mine : 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 Balance : {$82.00}, XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$690.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$2000.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed the annual credit report request form to the address provided. The form clearly had my Name, address ( the same mailing address since 2015 ), social security number, and date of birth written on the form. XXXX, XXXX, and experian refuse to send my free credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. EMPLOYERS XXXX XXXX XXXX - SO, SPARTIES this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mon ) this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of NATIONAL CREDIT SYSTEMS company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, after reviewing my credit report, I identified discrepancies pertaining to accounts labeled XXXX XXXX XXXX # XXXX XXXX XXXX XXXX and XXXX # XXXX XXXX XXXX XXXX. In light of this, I promptly submitted a formal dispute letter to Equifax on XX/XX/2024, requesting a reinvestigation of these accounts. 

Subsequently, on XX/XX/2024, I received communication from Equifax, indicating that they had completed their investigation and concluded that the information on the aforementioned accounts is accurate and complete. However, upon reviewing my credit report again, I discovered that the discrepancies persist unchanged. 

I believe Equifax handling of this matter is in violation of the Fair Credit Reporting Act, specifically 15 USC 1681i, which outlines the treatment of inaccurate or unverifiable information. According to this statute, consumer reporting agencies are obligated to promptly delete or modify inaccurate information following a consumer dispute, as well as notify the furnisher ( s ) of said information about any modifications or deletions made to the consumer 's file. 

Furthermore, I assert that Equifax 's actions contravene the provisions set forth in 15 USC 1681e, which stipulates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of information contained in consumer reports. This includes reporting information with actual knowledge of errors and refraining from furnishing inaccurate information after notice and confirmation of errors.

As a result, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Equifax for its failure to adhere to the legal obligations outlined in the Fair Credit Reporting Act. I seek resolution in the form of accurate reporting on my credit file and accountability for Equifax 's non-compliance with federal regulations. 

I appreciate your attention to this matter and trust that the Consumer Financial Protection Bureau will act swiftly to address this issue. Should you require any further information or documentation from my end, please do not hesitate to contact me at the provided contact details. 

Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

XXXX XXXX. Better known is cash app XXXX Take XXXX From my account At that time I could not contact anyone only AI. So I got a new cash app I Had another problem with cash app in XXXX About a {$100.00}. 
They gave me a phone number to call And they got my social security number and they're.My social security number was on the XXXX dark web
Product: Credit reporting, credit repair services, or other personal consumer reports

I will highly appreciate if you could help me solve this issue. I am sending this CFPB Complaint to inform you that the 3 credit bureaus had violated the FCRA Section 605b by inaccurately reporting inaccurate information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with accurate and updated credit report immediately. These are the following accounts that needs to be corrected : XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX Balance : {$6900.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2100.00} XXXX XXXX XX/XX/XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2100.00} ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX.
Product: Debt collection

The State of Kansas recently referred a state tax bill to XXXX XXXX XXXX for a state tax bill. The State of Kansas did not attempt to contact me prior to referring this issue to an attorney, which has added collection fees to the debt owed. I have been making monthly payments against the debt for nearly a year. 

Additionally, the State of Kansas is charging me a {$240.00} collection fee for {$0.00} of taxes owed for the year 2018. The total taxes owed to the state ( which are in dispute ) are {$950.00}, and the collection fees total {$720.00}. This nearly doubles the amount of debt owed.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX 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 : 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX, XXXX, CA, XXXX and XXXX XXXX XXXX, XXXX, GA, XXXX
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES FROM MY CONSUMER REPORT XXXX XXXXXXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> I IAM A VICTIM OF IDENTITY THEFT.