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

I am a federally protected consumer, and I am aware of my rights laid out by the FCRA. Im aware that you as a consumer reporting agency must maintain accurate records at all times across all credit reporting agencies on consumers files.

Please investigate the completeness on bellow listed accounts within my consumer report that you maintain under my name and update my report with your findings within 30 days of your receipt of this dispute notice as per FCRA guidelines. 

I have attached screenshots of the erroneous information within my report for this account. Please complete this account within 30 days and forward me the results. If this account can not be verified, DELETE account from my consumer report. 

ACCOUNT : XXXX XXXX XXXX XXXXXXXX Under 15 U.S. code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

I have experienced much mental hardship over this erroneous account as it is prohibiting me from refinancing my home. 
Standards established in the credit industry were created to ensure integrity of data and uniform communication between ALL credit-reporting agencies to maintain maximum possible accuracy. If these standards are broken then liabilities can arise.

Your agency is obligated to conduct a thoughtful and fair investigation about this very important matter as I am attempting to handle this issue privately, now.

I have attached the erroneous account ( s ) in question. This account ( s ) needs to be DELETED this account due to inaccurate information reported within my consumer report if it can not be 100 % verified/validated within 30 days of your receipt of this dispute notice then it must be corrected. Failure to do so could constitute willful non-compliance by your agency. 
Please DELETE this erroneous, inaccurate information on my consumer report within 30 days of your receipt of this letter if this information can not be made complete. 

Thank you for your rapid response in this very important matter,
Product: Debt collection

Person calls repeatedly from a restricted nbr claims to call from a government office threatened to send a summons to my job and contacting family saying they are going to get me fired
Product: Debt collection

OnXX/XX/XXXXi received a letter from Rmp receive more. The letter was about a debt that i disputed and sent certified to credit bureaus onXX/XX/XXXX The response they sent back is not really a debt violation. They did not send my original contract. Secondly this account is on my report but is stated to be for my son. They also violated the HIPPA LAW and included diagnosis.
Product: Mortgage

I recieved an escrow review notice that increased my payment by over {$1100.00} per month. The mortgage company is trying to escrow for over {$6000.00} for insurance and they refuse to adjust the amount, waive the insurance cost, or eliminate the escrow portion of my account. The actual cost of my homeowners insurance for the property is around {$600.00}. 

Please help. 
XXXX XXXX XXXX
Product: Debt collection

This company keeps calling me about a debt of someone else 's. I told them I am not that person several times and they keep telling me my number is off the list but I still receive a call almost everyday in which I answer with hello and they say nothing but hang up. The number that they are calling from is XXXX. Any help would be appreciated. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX 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
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 pratices, which violates 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 vunerable 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 incovience and financial loss, and I seek appropitate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against Transunion for failing to respond to disputes/ method of validation request.       X/X/17 -  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.  ( please see letter )    X/XX/2017 - Received a response from Transunion which listed one account as deleted and the oth er account, "   XXXX   XXXX   XXXX   XXXX   '' as " verified as accurate and updated ''  X/XX/2017 - Sent a letter to Transunion requesting  method  of verification as I completely disagree with the results they stated on   XX/XX/XXXX   XX/XX/XXXX -  Received a letter from Transunion stating " we are unable to process your request because we were unable to determine the nature of your request or your request was ineligible '' ** If you read my letter, it is clear that I was requesting a method of verification for the debt they claim that they " verified '', Especially since I asked for several pieces of information.       X/XX/2017 - Sent  a letter to follow up on my " method of verification letter ''. Requested that accounts were deleted immediately since they only sent a response to delay my request and they did not respond with the requested information.     To this date,   XXXX   XXXX   XXXX    , I still have not received any of the requested information from Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 6-7 months, I have disputed several accounts on my credit reports that are reporting inaccurately with the credit bureaus and the companies. To date, the following accounts have not been verified or corrected and I have requested proof of how the accounts were verified : 1. XXXX XXXX XXXX Account number XXXX XXXX. XXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX  Account number XXXX XXXX. XXXX XXXX Account number. XXXX I have tremendously suffered for the negative adverse actions, which has even included being terminated from my job! Due to the Inaccurate reporting and the accounts never being late, I am requesting they be immediately deleted per 15 USC 1681 # 2 Exclusions.
Product: Credit card or prepaid card

I didnt received my prepaid card that had arrived with a letter saying ( this prepaid card ) the letter had the information of the card but it wasnt included. I would like for yall to help me Change my address since I moved from that house where my information arrived.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

I have a judgement against me concerning an auto accident I had and the law firm has garnished my wages so the debt is being paid. My complaint is that the law firm is n't reporting the payments to the credit agencies.
Product: Credit card

I received several phone calls claiming to be US Bank. I refused to talk with them until the 6th call. The gentleman told me that he was verifying my application for a credit card with US Bank on XX/XX/year>. Since I have no business with US Bank and have not applied for a credit card with them I became suspicious of a fraud telephone call. He said the application was made in XXXX, NY. I do not live in that state. He offered a US Bank claim number of XXXX. And a claim number of XXXX for the Consumer Protection Bureau. He knew the last 4 numbers of my social security number and birthdate.
Product: Debt collection

I never owed this debt is was paid I called them it was never a collection it should have never been placed it should have been removed and they placed it on my wife 's as well XXXX XXXX
Product: Vehicle loan or lease

I took a car loan out for {$15000.00} on a XXXX XXXX XXXX through credit acceptance in XXXX. I set up automatic payments for my payment to be taken out of my bank account. It has been years and I thought my loan was almost paid off. I have never been sent late or repossession papers or any correspondence at all. 

I was just sent a letter from a law firm stating I owe {$15000.00} on a car that is now worth less than {$1500.00}. I don't understand how this could happen. How can a company say you owe them almost the balance of when the loan originated when I haven't received anything saying I'm late or in jeporady of defaulting. 

Please help this is not right. 

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

I am a victim of fraudulent information reporting and I am filing this complaint to EQUIFAX. I am writing to appeal that you block the following false information from my credit report. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus.
Product: Student loan

FedLoan Servicing, a private entity, on behalf of the US DoE, processes payments for my student loan. In order to maximize accumulated interest, FedLoan Servicing deliberately and unlawfully posts electronic same day bank deposits one day later than receipt. No other known entity behaves in this unethical manner. The same practice does not occur with my credit card issuers or my car loan servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my identity verification multiple times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2019 ) Yet, my accounts have not been updated. When I call they say that they have not received. I have attached my i.d and social for verification. Please have the bureaus update my information so that when I try to get credit I have no issue. I am only XXXX years old and I am trying to build responsible credit but this discrepancy has been holding me back for 6 months. Please help
Product: Checking or savings account

Name of Contact : XXXX XXXX Description XXXX On XX/XX/XXXX I alerted my sister, XXXX XXXX XXXX that I was sending two checks to her SC residence : A {$500.00} check payable to my mother, XXXX XXXX XXXX and a {$2000.00} check payable to our family church, XXXX XXXX XXXX XXXX XXXX ( My mother lives with my sister. ) My sister was supposed to deposit the {$500.00} check into my mother 's account at Bank of America and give the other ( {$2000.00} ) check to the Church as an offering. Instead, on XX/XX/XXXX, she mistakenly had my mother sign the back of the check made payable to the church, and made a mobile deposit of the {$2000.00} check into my mother 's account. The mobile deposit was labeled as a {$500.00} deposit. The first thing that BOA did was to credit my mother 's account for the full {$2000.00}, apparently before they realized that there was a difference between the name of the payee and the signature on the back of the check. 

My sister recognized her error the next day ( on XX/XX/XXXX ) and telephoned BOA ; she was told that the error would be automatically corrected. She called again on XX/XX/XXXX because the funds were still in my mother 's account, during that call she was told to give the check to the church and that they would be able to negotiate it. I did not learn of tis issue until midXXXX XXXX. 

It was not until XX/XX/XXXX that my sister received two letters from BOA indicating that a total of {$2000.00} had been retrieved from my mother 's account. In the meantime, after the Church deposited the physical check with XXXX XXXX XXXX  in XXXX, SC, they received a notice that the check was rejected due to " duplicate processing. '' To date the money has not been returned to my account. A BOA representative told me that the only way they could return the funds to my account would be for me to open a dispute and then they would debit my mother 's account. Obviously I do not want to move this problem to my elderly mother 's shoulders. 

My sister and I have had two telephone conversations ( jointly ) with BOA representatives, and I have had several additional conversations, receiving varying advice. On my last call a Bank of America representative told me that XXXX XXXXXXXX XXXX  was the last one to touch the check and that the Church should re-deposit the check. 

I am filing a complaint because today I learned that a Church official met with the manager of the XXXX XXXXXXXX XXXX ( at XXXX XXXX XXXX, XXXX, SC XXXX ) and was told that XXXX does not keep checks for more than 30 days and so can not re-deposit it. 

BOA is saying there is nothing they can do and XXXX XXXX is saying that it is a Bank of America problem.
Product: Student loan

I had XXXX separate private, student plus loans, through XXXX XXXX XXXX. XXXX loans are current and never carried a missed or late payment status. XXXX loan carrier a $ XXXX balance at 2.5 % AND the other loan a $ XXXX balance at 7.3 %. I saved the money to pay off the 7.3 % Loan. The payment was made with sufficient documentation to direct payment to the correct outstanding balance and credit the correct loan for repayment. The payment was $ XXXX directed to the 7.3 % loan. Instead the payment was redirected to the lower interest rate loan and the over payment only was credited to the higher interest rate loan. I contacted the current loan servicing agent ( AES ) American Education Services and they indicated the correction would be made but with the next loan statement the loan crediting error still exists. I am now writing your organization formally writing the agent AES to demand the loan payment correction be made.
Product: Mortgage

1. On XXXX/XXXX/XXXX a telephone call was placed with Specialized Loan Servicing to make a partial payment on my usual monthly mortgage. The amount paid was {$XXXX}. The customer service representative took the payment. 
2. I received confirmation in the mail shortly there after about receipt of that payment - confirmation XXXX. 
3. Today, XXXX/XXXX/XXXX I wanted to make another {$XXXX} payment through their website and noticed that payment of {$XXXX} was not applied to the the XXXX 's monthly mortgage amount of {$XXXX}. 
4. When I called today - XXXX/XXXX/XXXX - and spoke to a payment representative, their response was that the amount was applied to the " principal ''. I DID NOT WANT THIS APPLIED TO THE PRINCIPAL. 
5. I specifically wanted this applied to the mortgage payment - and they took the payment without any notation that it would NOT be applied to the mortgage. 
6. The representative said they can not give " ADVICE ''. Well advice is defined as " guidance or recommendations concerning prudent future action, typically given by someone regarded as knowledgeable or authoritative ''. 
7. REFUSING to apply my payment to the mortgage is not advice. 
8. Telling me it can only be applied to the principal is not advice. 
9. IF that {$XXXX} payment would not be applied to the monthly mortgage amount they should NOT have accepted my payment. 
10. NOW I am fraught with paying 2 months of mortgage payments on a monthly social security amount which barely covers mortgage and public utilities. 
I ca n't do that. 
11. SLS should NOT have accepted my payment as I directed if " legally '' it would not get applied to my mortgage amount. 
12. NO advice had to be given ; just a " refusal '' of my payment. Informing me that partial payments will only get applied to principal is also NOT advice. ITS their policy or bankruptcy law. 
13. NOTE : advice is given according to the definition by someone " regarded as knowledgeable or authoritative ''. THIS SLS representative should no signs of knowledge, did not communicate with me effectively in this matter, and ultimately I am now the scapegoat.
Product: Vehicle loan or lease

I inherited a mobile home park when my mom passed away XX/XX/XXXX. 
I have a mobile home that is a XXXX XXXX, XXXX number : XXXX, XXXX. This home was bought my my dad who passed away in XXXX. The bank was XXXX  XXXX XXXX in XXXX Va. This bank has closed and or bought out by First Citizens Bank & Trust out of XXXX NC in XXXX. 

Their phone number is XXXX. 
Fax number XXXX. 
I need a lien release on this home so I can get a title. 
I faxed all paperwork to First Citizens last XXXX. I have not received a call or email. 
My email address is : XXXX My phone number is XXXX My name is : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There are too many inquires on my consumer report that is there without my permission. XXXX has XXXX inquiries, XXXX has XXXX and Experian has XXXX. I have asked constantly that they take these off because they are there without my permission and they refuse to do so consistently. Please have them do so immediately because I have sent them letters with written instruction on what needs to be deleted from my consumer report for months of XXXX and XXXX and they are not complying. They Violate my rights often as they can. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

they have violated 15 USC subsection 1692g ( b ) in accordance with fair credit reporting act convergent account # 12345 has violated my rights.

15 USC 1681 section 604 A section 2. it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 

I have also sent a request for verification of this account in which I still have not received any original contracts with my signature on it. I sent a identity theft report and letter hat request the block of inaccurate information which in this case has been ignored multiple times. this account with this alleged debt comes back verified every dingle time with no form of Verification I requested provided. This XXXX XXXX Bank Account # XXXX NEEDS TO BE DELETED AND REMOVED immediately From my consumer report To Whom It May Concern : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
15 USC 1681e ( b ) compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) That you have on file for the account listed below. Or a Certification from the creditor that certified the accuracy and completeness of the information/account. My identity has been stolen you are hereby put on notice.

Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Vehicle loan or lease

I tried to make my XXXX lease payment on XX/XX/XXXX and was unable to log on to the kia finance website because it would not load. I tried again on XX/XX/XXXX and again the site would not load even when I tried from multiple different devices to log on. Late on the evening of XX/XX/XXXX I was able to log on to the kia finance website and received the error message that I was unable to make a payment because the account had less than XXXX payments remaining. My lease is for 3 years and will mature on XX/XX/XXXX as shown on my lease agreement. I called kia finance on XX/XX/XXXX and was unable to speak to anyone and directed to an automated system that would not allow me to make a payment either. I have tried to log into my account every day and the kia finance site will not allow me to make a payment or set up future payments. I have called kia finance many times a day every day since XX/XX/XXXX and have been disconnected every time I make contact with an actual person. I am due for my XX/XX/XXXX payment and have no way to make a payment either via the website or phone because of an error on their part.
Product: Credit reporting or other personal consumer reports

I appreciate your assistance in getting some of the fraudulently obtained data from my credit file removed, but there are still items that need to be blocked or removed. You must remove all records listed on an ID THEFT REPORT in accordance with FCRA section 605 of the regulations. I am proactively including this report again because I proactively remembered it for a previous letter. I have informed my attorney of my intentions, and they are willing to hold you accountable for your persistent disobedience. 


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