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

These issues are with 2 of the 3 major credit reporting agencies Equifax, and XXXX.

Each month for the past 18 months I have disputed 3 medical collection accounts on my credit reports. I have asked them to verify that these are in fact my accounts which are not. I keep getting a generic electronic statement stating the accounts have been verified. But by what means? I have requested to know who they spoke to, producing any signatures of mine, as well as any contracts, as well as what these medical charges are for. It has been very frustrating for me in the fact that these are the only derogatory items on my reports. Previously upon request, XXXX removed them from my report. I have had no success with Equifax and XXXX. 

The collection agency is : XXXX XXXX XXXX XXXX The amounts are : {$1500.00} {$1000.00} {$1300.00} I can produce correspondence if needed as I currently don't have the ability to upload documents. 

Any assistance regarding this would be appreciated as I would like to apply for a home mortgage in the next 90 days. 

Thank you.
Product: Checking or savings account

I have a cash app account and a cash app debit card. I took out a loan using the " borrow '' feature. It was a small amount. After I used the borrow feature, I got hit by a car on XX/XX/XXXX. The loan was not yet due. ( I have medical reports from the ER, a doctor who took me off work until further notice and an attorney on the case. ) I received my paycheck on the XXXX but it was considerably lower than I had expected, and I had to use all of my accumulated sick hrs to receive the amount that I did. I called cash app and spoke with them over their support platform to request an extension due to unforseen emergency circumstances. 

Cash app not only refused to even speak with me or transfer me to someone who could speak to me, but they informed me that regulatory laws prohibit cash app from speaking to me about my account through any method except email and that the expected wait time is anywhere between 30 and 90 days. 

They asked for the best email to reach me. ( They asked me to verify my account at the beginning, but didn't have my contact info? ) So I gave them my email and protested that such a wait time is not only irresponsible, but unprofessional. ( I have yet to hear from them ) meanwhile, I have no income coming in, my attorney has not yet settled the claim, my XXXX application is still pending and now they have tacked on late fees in a rather predatory fashion. ( I spoke to them BEFORE any payments were due, ) Cash app has completely ignored every attempt at communication. When I asked for their company information, they refused to give it to me. I asked for their corporate office address and phone number and they told me they are not allowed to provide that information. 

Additionally, they falsely advertise that their cash app debit card is a legitimate debit card and it turns out, it's not a legitimate debit card on any legal ground. It's a prepaid card. That's Not the same thing. It's false advertising.
Product: Credit reporting or other personal consumer reports

In a period of over 5 months I have sent letters indicating the inaccurate, erroneous information i have identified on my credit reports. Unfortunately, Experian, XXXX and XXXX have failed to provide an honest and transparent investigation on my claims. Today I am filing a formal complaint. I will attach the proof of the letters i have sent. Please reach out to Experian, XXXX XXXX XXXX and demand an investigation to be completed- I am also requesting proof of the investigation. If this is not done correctly as per the FCRA laws of investigating erroneous accounts I demand full deletion of the item in question. Thank you.
Product: Debt collection

I hope this letter finds you well. I am writing to express my appreciation and to request an update to the status of my account to reflect " Open/Never Late, '' following a recent internal issue that has been successfully resolved.XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAD AN ACCOUNT WITH XXXX THAT WAS CLOSED AND BROUGHT TO COLLECTIONS.. I'M HOMELESS AND XXXX, AND I'M ON A FIXED INCOME..I CONTACTED THE COLLECTION AGENCY AND TOLD THEM MY SITUATION..WE CAME TO A SETTLEMENT AGREEMENT OF $ XXXXTHE BILL OWED TO XXXX WAS {$260.00}. THE COLLECTION AGENCY AGREED WITH SETTLEMENT, AND TOLD ME ACCOUNT WOULD BE REMOVED FROM MY CREDIT IN NEGATIVE STATUS..UPON PAYING THE AGREED SETTLEMENT, IT IS STILL SHOWING ON ALL 3 CREDIT BUREAUS AS A CLOSED ACCOUNT AND SHOWING THAT I SETTLED ACCOUNT FOR LESS THAN WHAT WAS OWED ... THAT REPORTING HAS BEEN AFFECTING MY LIFE NEGATIVELY..I CAN'T GET HOUSING RIGHT NOW BECAUSE OF THIS BAD REPORT BY XXXX..MY CREDIT SCORE WAS OVER XXXX , AND XXXX FLAGGED MY CREDIT FOR COLLECTION..SINCE THAT XXXX REDUCED MY CREDIT XXXX POINTS FOR THAT ACCOUNT WITH XXXX, EVEN AFTER AN AGREED SETTLEMENT WAS PAID..THEY REDUCED MY CREDIT TO A POOR RATING, FROM A GOOD RATING IN LESS THAN ONE MONTH..I ASKED THEM TO REMOVE SUCH NEGATIVE REPORT, AND THEY REFUSE TO.. XXXX HAS TAGGED THAT ACCOUNT TO BE REMOVED IN XXXXTHE COLLECTION AGENCY AGREED TO SETTLE OUT WITH ME AND THAT THE ACCOUNT WOULD BE REMOVED FROM MY CREDIT REPORT ... NOW XXXX HAS DAMAGED MY NAME AND CREDIT WORTHINESS..I HAVE NO OTHER OPEN ACCOUNTS ..I BASICALLY HAVE NO CREDIT, BUT THE ACCOUNT I HAD WITH XXXX THEY ARE REFUSING TO REMOVE FROM MY CREDIT REPORT.. I'M HOMELESS IN CALIFORNIA, I'M TRYING TO GET HOUSING.. EVERY TIME A MANAGEMENT COMPANY CHECKS MY CREDIT THROUGH XXXX, THEY GET A POOR CREDIT RATING, BECAUSE OF THE REPORTING OF XXXX THAT I SETTLED OUT WITH IS SHOWING ME IN A NEGATIVE WAY ... I DON'T THINK A CREDIT AGENCY SHOULD BE USING THESE MALICIOUS TACTICS THAT IS AFFECTING MY LIFE NEGATIVELY WHERE I CAN'T GET HOUSING..ITS WRONG AND DISCRIMINATORY..I HAD GOOD CREDIT..THEY ALSO ARE SHOWING THE LATE PAYMENTS FOR THIS ACCOUNT ON MY CREDIT REPORT, AND I BELIEVE THAT IS ILLEGAL... XXXX AND EQUIFAX HAS MY CREDIT SCORE ABOVE XXXX, EVEN WITH THE XXXX THERE, AND XXXX HAS MY SCORE BELOW XXXX, SHOWING ME AS HAVING BAD CREDIT AND CAUSING ME TO NOT BE ABLE TO GET HOUSING HERE IN XXXX XXXX CALIFORNIA..WHY IS THIS CREDIT AGENCY HOLDING MY LIFE HOSTAGE WITH A 3 DIGIT REPORTING NUMBER... THEY SHOULD NOT BE REPORTING A CLOSED ACCOUNT, THAT WAS PAID ON..
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under section 604 15 U.S. Code 1681B, section 605A 15 U.S. Code 1681C-1, and Section 605B 15 U.S. Code 1681 C-2. 

XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXXXXXX XXXX-Inquiry date XX/XX/XXXX XXXX XXXX-inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXXInquiry date XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have contacted Freedom Mortgage on XX/XX/23 and XX/XX/23 regarding the escrow account. Specifically regarding the insurance payments. I sent over my declaration pages and let them know that our insurance is only XXXX per year and they are stating that it is XXXX which is WAY wrong. I have been having issues since Freedom Mortgage received our loan from XXXX XXXX. I am seeking a way to get away from Freedom Mortgage. They are constantly going against RESPA, i do mortgages for a living for another financial institution and i have never seen such deceiving information and incompetence from a company. They are very terrible at their escrow analysis procedures and they are not forthcoming with the information being requested from their customers. they have never sent me a full payment history when requested which again is against RESPA and I'm considering seeking an attorney to sue them for undue stress caused by them miscalculating the escrow every single year. they have even double paid my insurance company and they had to send it to me and i had to re-deposit it back into escrow. this company does'nt deserve to be in business at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma churned me in getting high interest rates credit with fees that will take me a long time to pay with low credit limits that actual hurt my credit scores. Credit karma also said that I was approved for loans that I wasnt and my credit was pulled. Also, one loan they said I was approved and it wasnt a loan but cash advance with high fees and they falsely giving me credit scores to make me believe my credit score is low so I fall victims for those awful credit cards with high fees and telling me im approved for a loan car and I was declined.
Product: Debt collection

I disputed XXXX XXXX XXXX with TransUnion for amount of XXXX it came back verified I called TransUnion again ask them again to to dispute information thoroughly because I talked to XXXX XXXX  they told me that the debt is owned by someone else and being that that card was a secured card with limit of XXXX dollars it was taken for that deposit so I dont owe XXXX under code 15 usc 1681 ( 2 ) inaccurate information I would like for it to be deleted immediately please
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they m
ust be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and FCRA 605B ( Identity Theft Claims ). These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately.

Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.

DELETE THIS ACCOUNTS IN MY CREDIT REPORT IMMEDIATELY!
Product: Credit card

On XX/XX/XXXXXXXX XXXX, I discovered my credit card, XXXX with citibank was closed when I tried to use my card for a purchase. When I called them they stated I am classified as Deceased. They said that they got the information that I was XXXX from Social Security. I called Social Security and they said they did not send out information that I was deceased and they have to receive a certification from a Medical personal and they don't send it to a particular CC company. My other credit cards are fine. I received a letter from CitiBank on XX/XX/XXXX, stating they are going to send letters to XXXX, XXXX and XXXX to inform them to remove the XXXX comment from my credit report. Evidentally they sent that information to them without checking with Social Security first to see if it was true, I called them back after talking to Social Security and told them to check themselves that I am Not deceased and they said they would. 

So that is probably why I got this letter today. They have made a cruel mockery of my existance by sending out information to the three credit organixations that I am XXXX 

And made it difficult to participate in the XXXX XXXX XXXX with my credits. 
This card was formerly owned by Commenity bank and bought out by citibank and I have been a cardholder for over 25 years. I always pay my statements in full each month when I receive them. 

I am absolutely frigid over this as I have been going through XXXX XXXX XXXX XXXX XXXX XXXX for most of XXXX so to have Citibank do this cruel Deceased to shut down my credit card and then to further the abuse contacted the three credit agencies to make sure they knew I was Deceased. 

Something needs to be done about this mess that Citibank has done to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 1.XXXX account ending XXXX & XXXX XXXX # XXXX, has violated my rights. 

2.XXXX  XXXX account identifier : XXXX, account ending in XXXX, has violated my rights. 

3.XXXX XXXX XXXX account ending XXXX, has violated my rights 4XXXX XXXX capital has violated my rights 5.XXXX Confirmation # XXXX Has violated my rights 6. XXXX : account number ending XXXX, has violated my rights 7.XXXX XXXXXXXX XXXX account ending XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  : XXXX XXXX ph XXXX XXXX, XXXX club corporation account ending with 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.
Product: Credit reporting or other personal consumer reports

I have disputed XXXX XXXX dealer service, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX account on my experian credit report 3 times in the last 3 month. the XXXX XXXX account was opened by someone with the same name. the XXXX XXXX XXXX  account is not mine and has a fraudulent account attached to it. the XXXX XXXX XXXX account shows latenesses the are not correct and should be deleted,.
Product: Debt collection

On XX/XX/2022 GENESIS CREDIT MANAGEMENT LLC added a derogatory mark on my credit report per XXXX. upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA GENESIS CREDIT MANAGEMENT LLC has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on my account with Toyota Financial
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent out validation letters for these companies to validate my debt. The validation is inconsistent with what they have sent in return. The companies are listed below XXXX XXXX : Account # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX ( XXXX ) 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 the 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. 

The accounts are highlighted in the attachment
Product: Checking or savings account

I have an account with capital one. They have blocked my account and I am not able access my funds and i am not able to reciving payents
Product: Credit card or prepaid card

My CareCredit payment was due XX/XX/2021. I mailed it on the XXXX, though it was cose to pickup time, and may have been picked up on the XXXX. 

It should have been there in the XXXX it was processed on the XXXX. When I called about the late fee, they said I had already had it waived 5 times and the couldn't do anything about it. Unless the law has been changed, as long as the payment is postmarked by the due date, it is legally on time. All prior waving of fees was for the exact same reason. 

If it is good enough for the IRS, why is not good enough for the banks?
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my credit report from you. It included the following incorrect information : 1. The following personal information is not mine : Address : XXXX XXXX XXXX XXXX, IL XXXX please delete it. 

XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately! 
This incorrect and negative information is damaging my credit. Please remove this incorrect information at once and send me an updated copy of my credit history report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. 
Equifax is only one Bureau who keep refusing remove fraud account from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently paid in full on an account with First Horizon. I actually overpaid and when I contacted them for reimbursement I explained to the representative that I wanted a refund. He proceeded to tell me to just charge the funds. I then explained to him that I wanted to pay off the account and never use it again. He suggested I close the account. I said to him IF I CLOSE THIS ACCOUNT IT WILL AFFECT MY CREDIT REPORT he said NO IT WILL NOT. He assured me of this and said they would close it anyway. HE PROMISED ME THAT IT WOULD NOT AFFECT MY CREDIT. I PAID OFF THE ACCOUNT!!!! I told him if that was the case then I requested that he close it PER MY REQUEST My credit score WENT DOWN due to this particular reason which it states on my report. I want that fixed!!!
Product: Debt collection

DRS IS REPORTING ERRONEOUS COLLECTIONS ON MY CREDIT REPORT BACK FROM XXXX AND IS FAILING TO RESPOND AND/OR VALIDATE ACCURACY AND OTHER DETAILS OF THESE ACCOUNTS AND THEIR CONNECTION OR RIGHT TO COLLECT ON THE BEHALF OF THE ORIGINAL CREDITOR WHOM I DO NOT RECOGNIZE.. DRS Account number XXXX Recent balance {$310.00} as of XX/XX/XXXX Date opened XX/XX/XXXX DRS Account number XXXX Recent balance {$300.00} as of XX/XX/XXXX Date opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to file my taxes and I was told by my consultant that my identity has been stolen because some one had already filed under my social security number. I called IRS and to figure out what needed to be done. I then pulled my credit report to see what all has been opened under my name if there was any. There was an outrageous amount of items that I am not familiar with. Please remove these items from my report. 

DEPTEDXXXX XXXX {$2900.00} XXXX XXXX XXXX {$680.00}
Product: Checking or savings account

My account was subject to fraud while I was incarcerated from XX/XX/2020 thru XX/XX/2020. I submitted the forms to the bank to prove that I could not have possibly used the funds and was denied. The amount is XXXX XXXX Further I had a remaining balance of XXXX $ left in the account. The account was closed by the bank unknowingly to me. When fund was requested a whole run around ensued. They are refusing to send my fund. I have not met other financial obligations because of this. I received a letter from the dispute department to my current address ut not my check the have been mailing me for months. I need help plz.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  reporting Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A, States I have a right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I mailed XXXX XXXX XXXX a cease and desist, affidavit of response and notifide bill of particulars and they received them on XXXX XXXX according to tracking number XXXX. I demanded XXXX XXXX XXXX to clear out my debt to XXXX dollars to the XXXX, and Return my down payment of {$5000.00}. I gave them 30 days to respond to my cease and desist and to pay in full and have not received a response. 
31 U.S. Code 3123 - Payment of obligations and interest on the public debt
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent XXXX lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately, they informed me that recovering lost funds is impossible and that tracking these transactions was infeasible, The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams, This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. Im attempting to purchase a home and my underwriters are asking if I have ever lived at XXXX XXXX XXXX, XXXX MD, XXXX. I have never lived there nor have no idea how this address is even listed on my credit report. The date reported was XX/XX/2019. I highly assure you that I have no explanation or how this address is even listed on my credit report. I feel I may be a victim of identity theft or there is someone who does not have anything better to do than to steal my SS and use it on the the day before XXXX. I would really appreciate any assistance on removing the listed address above from my credit report in hopes it does not derail my chance for a new home. Be well and thank you!
Product: Credit card

I have top tier credit. I have been having this card for over XXXX years as I use it for my business. It went from XXXX XXXX dollars to XXXX in one day as they reduced my credit without notice. I have a credit score of XXXX with no missed payments. I use this card for business and now the limit is too low and they can not explain to me why they did so
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a global pandemic going on and daycares and schools were closed. I have XXXX kids that affected and I missed work without pay until I got the situation in hand. Money was tight and I was late in XXXX of this year. I have a mortgage and a small loan that was apart of the down payment on said mortgage. The main payment XXXX was paid but the small of XXXX was late. They didnt wait anytime to report it to the credit bureau. They were paid and I had to refinance to maintain everything. It was my understanding that during this hardship there would be more understanding and unity. XXXX in Alabama is the culprit.