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

There are 6 accounts and 1 inquiry on my credit report that do not belong to me I have not signed used or received any goods or services from these accounts they look foreign to me I need these off my credit report since I have been disputing these since XX/XX/XXXX I am sick and tired of filling out forms and ftc and identity theft reports for these I need help please these items are not mine in any way shape or form!!! 

Account Name : XXXX  Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX Account Number : XXXX Reason : This is not my account INQUIRY Creditor Name : XXXX - XXXX XXXX Inquiry Date : XX/XX/XXXX Reason : I don't recognize this inquiry
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX & XXXX XXXX XXXX XXXX
Product: Mortgage

I am a XXXX veteran who purchased a foreclosed home XX/XX/XXXX. Chase bought the loan the next month. By XX/XX/XXXX I already noticed problems with my loan. In New Jersey, i am property tax exempt, but chase paid the tax anyway. My township tax assessor contacted Chase, and was told the problem would be fixed. It has been 8 months now, and the problem has gotten worse. I should not have any escrow except for property insurance, but Chase continues to bill me for escrow shortages, even though both myself and the tax collector 's office have made numerous calls to various Chase departments. Even though I have faithfully paid the proper amount on my mortgage, Chase has applied these funds to the escrow, making me delinquent on my mortgage. My credit is getting ruined, and may face foreclosure if this is not corrected soon. I have been told I should start paying the mortgage plus extra escrow, which is an extra {$110.00} a month. I need help now to get this taken care of.
Product: Credit card or prepaid card

I have been a client of Care Credit by Synchrony Bank for over 15 years, and have had online access the entire time. On XX/XX/XXXX their website suddenly decided my login info was incorrect. I tried to get in several times without success and it would not send me a reset link. I finally reached them on XX/XX/XXXX and the rep would not send me a reset link but only a text. He also pretended it was not their site but my browser ( he wanted me to switch to XXXX XXXX ). When I refused, he said there was nothing else he could do. 

The reset link let me in - I logged out, tried to log back in and it again told me something was wrong. I called again on XXXX and the rep again pretended it wasn't their problem but my browser and claimed that they only get calls about people using Edge not being able to get in. When I told him it was not my browser but their site, he hung up. 

If it really is that their site is not compatible with one of the most popular browsers - that needs to be corrected. Their customer service also needs a major upgrade.
Product: Credit reporting or other personal consumer reports

I were a victim of Equifax data breach and inaccurate information needs to be removed.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX company. I still have not been provided the original contract with my signature.
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 errors resolution requirements under the Electronic Fund Transfer ACT ( EFTA ) and regulation E theat actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

UHEAA/ UTAH XXXX is reporting erroneous lates on my credit file. I have had my account in deferment and every time it would go out of deferment i would get a call asking if i wanted to go back on deferment. Unfortunately during COVID i was out of work and unable to make those payments which is why i kept deferring my payments. I wasn't aware that late payments were being reporting to my credit file until i recently checked my credit and saw that my scores dropped significantly due to those being reported. I was never advised that these late payments would reported as the account was in deferment i assumed everything was good. I would like for you all to remove the lates from my credit file. I was unaware of the late notations and my account had been deferred.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2021 I filed a dispute with the 3 major credit bureau XXXX, Equifax and XXXX about the inaccurate info being reported from XXXX XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX, XXXX XXXXAccount number XXXX XXXX XXXX XXXXAccount number XXXX In these months, these inaccurate accounts are still showing In Dispute status and according to the FCRA laws these items should have been removed for 30 day non compliance of FCRA. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an investigation request to Equifax and XXXX XXXX on XX/XX/XXXX. They were supposed to respond with the results of my credit investigations within 30 days but they have not.
Product: Credit reporting

I wrote to the federal courts to ask them when and what did they report to transunion about bankruptcies report on my credit report. Received a letter back from the courts stating that they do not report and thing to the credit bureaus and they do not verify and thing to any one that could possibly be reported on my credit report. Upon disputing the XXXX bankruptcies reported on my credit report i received a letter from transunion stating that they verified each bankruptcy and there is no change.
Product: Debt collection

To Whom It May Concern, I have an XXXX XXXX XXXX Collections on my account ; AFNI, INC. for {$180.00}. I have paid this collection and settled. This collection was a result of un-returned equipment for when I was in college. I had an out of state internship and my roommates said they would return the equipment.
They did not do this immediately and I was in another state trying to get them to return the equipment. I was notified by XXXX XXXX XXXX that it was not returned and tried working with them to explain the situation. The roommate who had the router got a job in another state than the one the XXXX XXXX XXXX  equipment originally was from. XXXX XXXX XXXX refused to take the equipment at a location in a different state than we had used the equipment in.
In the end the ex-roommate told me they returned the equipment but XXXX XXXX XXXX never gave me credit for it. This roommate could have been lying, there is no way to know. Still XXXX XXXX XXXX was not helpful in resolving the issue. Once they marked it as deogatory they never even followed up to see if the equipment was returned. The account is paid and settled for nearly 3 years. I have been a client of XXXX XXXX XXXX for over 12 years, going back to Cingular Cell Phone. There is no reason this should still be on the report.
It is negatively affecting my credit and making it more difficult to get competitive interest rates on loans or qualify for student loan consolidation. I would like this PAID collection removed and deleted. Thank you.
Product: Student loan

This Debt/Loan Has Been In Default For Over 7 Years.
Product: Credit reporting or other personal consumer reports

I tried to contact XXXX a few times within the last few weeks to speak with them regarding hard inquiries on my report. I have also sent in dispute letters disputing these hard inquiries and I have not heard any reply back from the company and the items remain on my credit report. 

Please delete these from my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX  XXXX Balance : {$130.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$600.00} XXXX XXXX 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: Debt collection

Macy 's credit has contracted with outside collectors in the XXXX, XXXX, XXXX, and other area codes. Their credit department is located in Ohio and none of these area codes are Ohio area codes.This means, they have sent my information to contracted collectors throughout the U.S. to attempt to collect a debt which tye refused to take smaller payments on until my finances recover. I had a faulty electrical wiring fire in a home I rented in XX/XX/XXXX and finally got into a new home XX/XX/XXXX.I am a XXXX. This will enable me to complete the process of catching up with my Macy 's bill, the ONLY overdue bill I have. I am concerned about people knowing where I live, work, and ruining my reputation XXXX in which I work and live. Macy 's had no business giving out this information to contracted debt collectors. 
Debt collectors call my home phone and cell phone no less than 10 times a day. I have placed a " tracker '' on my cell phone and XXXX XXXX has records of all the calls from Ohio and other area codes. My phone records can be retrieved from XXXX for my home phone. They also call my adult daughter 's phone looking for me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute Regarding Negligence and Non-Compliance in Credit Reporting To Whom It May Concern, I am writing to formally dispute Equifaxs failure to meet its legal obligations regarding my credit report. Despite my rights under the Fair Credit Reporting Act ( FCRA ), Equifax has failed to provide accurate, fair, and timely service in maintaining and correcting my credit report. This negligence has caused undue harm, and I am requesting immediate corrective action. 

The specific issues include : 1. Failure to ensure accurate credit reporting [ Describe any inaccuracies on your report, such as incorrect accounts, fraudulent activity, or outdated information. ] 2. Failure to properly investigate disputes [ If you have previously disputed errors, explain how Equifax failed to resolve them within the legally required timeframe. ] 3. Failure to comply with legal obligations Equifax is required under the FCRA to investigate and correct disputed items within 30 days. The lack of action on your part constitutes non-compliance with federal law. 

Due to these failures, I am demanding the following : A full investigation into the disputed inaccuracies on my credit report. 
Immediate correction and removal of all erroneous information. 
Written confirmation that these errors have been addressed. 
A formal explanation of why Equifax has failed to meet its legal obligations in handling my credit information. 

If Equifax does not take corrective action within 30 days of receiving this letter, I will be left with no choice but to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and considering legal action for damages caused by your negligence. 

Please respond to this dispute promptly in writing to the address provided above. I expect a resolution that aligns with XXXX legal responsibilities. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis nexis, XXXX, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. 
As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY. You have violated my privacy which can be considered identity theft. You do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports. Please remove the accounts above from my consumer report immediately
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX ( Original Creditor : XXXX  ) XXXX Balance : {$680.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$440.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$3300.00} XXXX  XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX. ) XXXX Balance : {$670.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

DEPTEDXXXX XXXX Balance Owed : {$1000.00} DEPTEDXXXX XXXX Balance Owed : {$1700.00} XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

THIS DEBT WAS PAID BY THE VIRGINIA INJURIES COMPENSATION FUND TEL:XXXX
Product: Mortgage

I have been trying to refinance my home since XXXX with Ditech. After several months of going back and forth with documents needed, it seems they continue to add additional hoops to jmp thru every step of the way. I was working well th someone tere and complained to their manager about their poor service. The manager never responded to me. They are not assisting me on their end and progress has halted. This has been going on for 6 months and I do n't feel that they care. I 'm not trying to get money back, I am just trying to get a better rate than the one I signed up for in XXXX. I have kept all of the emails that have been exchanged and would be glad to forward anything to you. The last issue was getting some documentation from the other lender on my XXXX split. That lender was unsure of what documents Ditech wanted. Originally, I was to give apprval to XXXX for Ditech to speak with them about what was needed. XXXX does n't do that, but said we can have a conference call with me on the phone, so that Ditech can get what they need. No movement has happened since. I threatened to file a complaint and they responded repeating the same thing against n. I then responded with the same information. I have n't heard back from anyone since XXXX. This seems unfair and i feel that I am being mistreated. I have always paid my bill and I feel that I am getting the runaround.
Product: Mortgage

We entered into a construction loan On XX/XX/XXXX. The term of the loan was for 12 months in which we had to close into permanent conventional loan. We began the process to close on our permanent loan in XXXX. All of our obligations were met, but the company will not give a payoff for our loan to close because the builder is refusing to take his final draw on the account. The builder has been deceitful in his practice and through no fault of ours. We have been paying interest @ 7 % on a construction loan that will expire and be in default XX/XX/XXXX. We are more than capable of paying off this loan either through money wire transfer or through a conventional loan. By Thrive mortgage refusing to give us payoff they are forcing us into default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries on my equifax credit report that they will not remove after I complained to them that I did not authorize them to pull a hard copy, but a soft copy instead. XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX
Product: Credit card

Hi everyone, tried with XXXX XXXXXXXX XXXX and thy keep pushing back on me. Transunion Rep gave me this info below : Hi everyone, this was a recent conversation with a XXXX XXXX Rep : XXXX TransUnion TransUnion Thank you for your patience. I have located the results to your dispute and see that the lender has verified the information as accurate. 
XXXX You sent ok thanks-so I'm saying that I'm not responsible for either the credit card request that I did not ask for or receive, nor the balance transfer. So what happens if I keep pushing back since this was not me who did any of this activity? 
TransUnion TransUnion You can speak with XXXX XXXX XXXXXXXX in regards to this matter ( XXXX ) XXXX XXXX. You can also file a complaint with the CFPB.Phone : XXXX XXXX : www.consumerfinance.gov/learnmore XXXX You sent Thanks I have spoken to XXXX XXXX XXXX  reps more times than I can count now and they aren't helpful any more with me on this. I may try the complaint option. 
TransUnion TransUnion You can also contact the Federal Trade Commission at XXXX. Is there anything else I can assist with today? 
You sent You have been great and way better than XXXX XXXX XXXX  lol. Thanks much! 
XXXX TransUnion TransUnion Thank you. It was a pleasure assisting you today. Thank you for reaching out to the TransUnion Social Care team. Have a great day!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I mailed dispute letters to XXXX, XXXX, and Equifax requesting that they investigate the collections on my reports. I patiently waited for a response, and constantly checked my credit reports for updates. So on XX/XX/XXXX, I decided to write them again and request that they hurry and respond because it has been 30 days since I've sent them disputes. They still have not responded and it's XXXX now.
Product: Debt collection

My credit report says I opening a medical account on XX/XX/2018 and I owe {$100.00} to ATG Credit LLC and the Original Creditor Name is XXXX XXXX XXXX and I believe that is a mistake someone in my family or someone close to me may have copied my personal information and opened this account I didnt do it. So I want this debt removed off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was charged off in XX/XX/XXXX. As of XX/XX/XXXX it is still being reported as a past due balance on my credit report, which is negatively impacting my ulitization score. This is unfair reporting because my credit score was  orginially impacted when the card was charged off in XX/XX/XXXX.