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

I have lodged disputes with XXXX XXXX, XXXX XXXX XXXX and Penn Credit Corp with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law. Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, with subsequent requests in XX/XX/XXXX and XX/XX/XXXX. I started this process again in XX/XX/XXXX. I have also asked for assistance from each of the credit bureaus
Product: Money transfer, virtual currency, or money service

My cash app account was hacked. I was withdrawn XXXX amounts XXXX and XXXX from my cash app connected checking account without my permission. I contacted cash app immediately and my bank as well because my checking account was wiped out of all my money throwing me into an overdraft status with payments I had already scheduled to be coming in. The disputes with cash app have been denied XXXX  times on each. I have shown screen shot of XXXX email contacting me to confirm if my email password was to be changed which was not me and I declined the change. I have also changed my password to email, bank, cash app. I am worried that my identity has been stolen as even my recover email on my main XXXX email was different from the one I have always had. I also have that screenshot and have seen changed it.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I submitted a complaint through the CFPB website with the complaint number attached to it as XXXX. In regard to some inaccurate information listed on my Transunion credit report. Pertaining to a XXXX XXXX XXXXy Transunion had placed on my credit report at their agency. Last time I filed my complaint I asked Transunion to reinvestigate this information because it don't belong to me. But Transunion responded on XX/XX/XXXX to my most recent CFPB complaint stating that their agency verified this information with the XXXX court. Which is evidently false because I wrote a letter myself to the XXXX court and the courts clerk responded to my letter that I did attach and uploaded with this complaint. That the XXXX courts don't verify any consumers information with credit reporting agencies at all. My rights under the Fair Credit Reporting Act ( FCRA ) section XXXX are being violated by Transunion credit reporting agency and I demand the complete removal of this chapter XXXX XXXX information from my Transunion credit report for this exact reason.
Product: Mortgage

I previously requested from the mortgage Servicer PHH Mortgage Services a complete escrow analysis and the servicer has not provided me the requested analysis and as to why my mortgage payments are increasing. I contacted the XXXX County Assessor 's office and was informed that the assessment on my property has not increased I then contacted my insurance company and they indicated that my policy had no increases. I sent a Qualified Written Request requesting a complete escrow analysis and the servicer has refused to provide me the reason for the increase on my mortgage payment. To this date the PHH Mortgage Services has not complied with my request dated XX/XX/2022 Titled Qualified Written Request for Information & property tax escrow analysis.
Product: Debt collection

I recently checked my credit report on XXXX. I saw a notice under collections for {$740.00} for XXXX for an account ( account number XXXX ) opened on XX/XX/XXXX. The collection agency is Sequium Asset Solutions. 
I never opened a XXXX account, we do not have XXXX and, as a matter of fact, we cancelled out XXXX back in XXXX. I was the victim of identity theft back in XXXX and suspect this is fraud. I have called Sequium Asset solutions repeatedly but keep getting a recorded message instructing me to leave a voice mail.
Product: Debt collection

Home Depot statements were missed initially as we had issues with Covid and late fees assessed tried calling to remove the late fees and Citi bank would not do that and that dispute stayed pending. I paid principle money owed and interest and they keep calling me 3 times a day for collecting late fees. This account was opened at Home Depot and I was not aware of late fees. Regardless I have made an effort to offer them two late fees to settle which actually doubles my purchases but bank has no interest settling. Instead they want to get oasis another XXXX in addition to my payment of XXXX. That is predatory to build up late fees by using some fine print which was never shared with me
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus ( XXXX, Transunion and XXXX ) have not responded back to me about my investigation. I sent a letter stating XXXX XXXX XXXX is reporting a 30 days late on XX/XX/2020 which is inaccurate and it should be showing 'Current ', it's more than 60 days. I need this account updated to reflect the accurate information. They are defaming my character because I can not get approved for a home or car loan. Now I am homeless. This is devastating for me and my family.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX has violated my rights. They are being represented as the debt buyer on my credit report and they are not the original creditor. Because of this, this agency can not assign me a monthly due date, nor report the balance as past due if we do not have a contracted agreement. In addition, the date last active is inaccurate and the date last reported is inaccurate.

15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.

15 USC 1692D ( 4 ) The advertisement for sale of any debt to coerce payment of the debt is a violation. 

In addition, New York has placed a statue of limitations law under the Consumer Credit Fairness Act of three years. I am also not liable for this debt with XXXX XXXX and do not have a contract with them. XXXX XXXX did not provide me with the original application like I asked. Also, the name who the debt belong to is not my name.
Product: Debt collection

Without warning or notice, I had the Sheriff 's Office serving Warrant in Debt papers at my house -- EMBARRASSING -- and then looking at the paperwork to see that it was for a family member who DOES NOT live in my house, NEVER HAS. I contacted the Sheriff 's Office to notify them. I am still getting letters to MY home and nobody else lives here. I am the homeowner and ONLY RESIDENT. What kind of horrible company files a suit against someone without knowing the person they seek is actually THERE? 
I have REPEATEDLY returned mail to sender, marked the mailpiece as such, filed complaints with the USPS because I'm tired of getting mail sent to my address that isn't mine.
Product: Mortgage

A few months ago Quicken Loans contacted me in regards to refinancing my loan to pay off debt and take some equity. I should currently have a 4.1 or maybe its a 4.2 interest rate, so when he told me that the {$20000.00} I wanted to take would increase my rate to 4.75 I said NO THANKS! Thats not a deal. Fortunately, today I looked at my statement and I see an interest rate of 4.75. Im like OMG! What happened! I then recalled the phone conversation of the guy trying to get me to refinance. So I logon to Rocket Mortgage and I see that my old loan was closed ... and it shows a date of XX/XX/XXXX! I never did this!! Im sooo upset!! I have 2 properties with Quicken and I refianaced them at the same time. I just looked at my other property info and it was refinanced XX/XX/XXXX ... .so thats when both properties were done. How can they do this to me and change my interest rate? What if I had not seen the mistake ... then what? What if I was the elderly ... and I didnt notice the mistake. This is sooo wrong! Just prior to sending you this email I sent an email to Quicken, so Im waiting to hear their excuses. Ugh!! Im so XXXX off! Please help! THANK YOU
Product: Credit card

Subject : Complaint Regarding Incorrect Credit Score Reporting Dear CFPB, I am writing to file a complaint regarding an incorrect credit score reported on my credit report. Despite having a XXXX % payment history, my credit report indicates that my score has increased. However, the graphical representation on the report shows a decrease of XXXX points, which contradicts the information in the report. 

This discrepancy is concerning as it could impact my creditworthiness and financial opportunities. I request your assistance in investigating and rectifying this error. Id like to know why it changed. Please advise on the next steps to correct the issue and ensure accurate reporting. 

Thank you for your attention to this matter.
Product: Credit card

i applied to apple card many times, each time they deneid saying they can not verify identity. 
company do not provide additional info or ways to rectify the situation the info on my application is correct there is nothing wrong but apple denies it i uploaded my ID and everything
Product: Credit reporting

Experian is reporting a paid collection that was settled with XXXX XXXX XXXX in XXXX of XXXX as a collection as of XXXX of XXXX. I previously disputed the incorrect status on XXXX/XXXX/XXXX because the settled account was reflecting as a collection as of XXXX XXXX, today XXXX/XXXX/XXXX, I received the result of the dispute that the account was again made to look like the paid account was a collection as of XXXX XXXX. My XXXX score has dropped almost XXXX points as a result of this because the paid collection is now being recognized as a new collection and I have recently been denied a loan because of this. The account should reflect as closed as of XXXX XXXX. I spoke with a rep from Experian on the phone and he can see in his internal system that the account was paid in XXXX, the incorrect historical information can not be removed and I should contact XXXX XXXX about my concern. He also stated that XXXX XXXX responded to the dispute that the account was a collection as of XXXX. This is a clear violation of section 607 ( b ) of the FCRA. Section 607 ( b ) of the FCRA requires Experian to " follow reasonable procedures to assure maximum possible accuracy of information ''. 

I spoke with multiple reps and managers with XXXX XXXX as well. XXXX XXXX says that they can not report nor correct the correct information and that I must contact Experian to have the information updated to reflect the account paid and closed as of XXXX XXXX. By refusing to direct Experian to update the account with the correct info, XXXX is in violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Product: Debt collection

I purchased my vehicle XXXX  from XXXX. XXXX sold my personal information to a XXXX party debt collector I noticed the contract was fraud so I requested from the debt collector 15 U.S. Code 1692g - Validation of debt sent under certified mailing XXXX  I informed the company of 18 U.S. Code 8 - Obligation or other security of the United States defined, I sent the company Affidavit Of Truth received XXXX via Certified mailing. Notice of fault in Dishonor received XXXX via certified mailing.
Product: Credit reporting or other personal consumer reports

XXXX HAD A BREACH WHICH SEVERELY IMPACTED MY CREDIT. THESE ITEMS MUST BE REMOVED IMMEDIATELY!!!! 

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

This is my ANOTHER endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their 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. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$440.00} XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$29000.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading XXXXnder 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Student loan

I submitted an Employment Certification Form to Moehla in late XXXX. They claimed they needed 90 days to process it. I have been checking it regularly, and as of today, they deleted my form, claiming it was a duplicate. As noted in the message I sent them, I am sending in the same form again as my payment counts are still inaccurate. I have submitted this same form at least twenty times to XXXX XXXX and now twice to Moehla. I am being denied three years of PSLF payments because neither loan servicer collecting millions of dollars in federal money can be bothered to read a form, email, or message. As stated countless times, process my form, process my PSLF application, and forgive my loans. I'm not waiting another 90 days for Moehla to pretend to process a form before deleting it.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please DELETE the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Due to very poor customer service, we decided to refinance our XXXX Chevy Camaro to close the account with Wells Fargo. I spoke with Wells Fargo to obtain a 10 day payoff and then call XXXX with the payoff amount. XXXX stated there has been issues with payoffs from Wells Fargo and they then called 1/2 hour after I did and was told XXXX more than I was. After XXXX obtained the " correct '' amount for a 10 day payoff, we completed the paperwork, we obtained a loan XXXX more than the 10 day payoff so we could use the additional funds for a purchase we wanted to make and the payment was sent and received by Wells Fargo the very next day. The account was viewed online and it showed my balance owed as XXXXand the payment of XXXX that was received. They then added on XXXX different interest charges over and above the 10 day payoff that was actually paid off in 2 days. Instead of the XXXX I purposely overpaid, I received back XXXX!!! I called them and questioned the additional interest they added and they said they had the right to do so. When I said I was going to file a complaint I was told that was fine and ended the call. I was also 1/2 a car payment ahead due to adding extra to each payment, no interest was due as I had just paid my loan for the month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this evening about an account that was removed by XXXX but XXXX is still reporting the account from XXXX smartconnect. I will attach documents to show my proof also the account was deleted from XXXX and I would appreciate it if it was removed from Experian as well. I also have a hard inquiry on my XXXX credit report that has been deleted from XXXX XXXX but its still being reported here is the document for that information. XXXX is putting the wrong city on my credit report my city is not XXXX XXXX its XXXX please correct this as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX XXXX since XX/XX/XXXX since .. 
I recently have gone through during the pandemic a hardships and have been late making a few payments
Product: Credit reporting or other personal consumer reports

Equifax is reporting the account type as an auto loan, which is factually incorrect. The account you are reporting is identified as an " installment loan, '' which is also incorrect. The true account type for this account is a " Credit Sale Agreement. '' I have the right to an accurate credit file, and discrepancies like this are unacceptable. You need to remove this inaccurate information from my credit report immediately. 

In accordance with the Fair Credit Reporting Act, all information on my credit report must be 100 % accurate. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) ( 5 ), these accounts are in violation for not being reported accurately. I am attaching copies of all related correspondence for your review. 

Please rectify this issue promptly to ensure compliance with federal law and to maintain the integrity of my credit report.
Product: Credit reporting or other personal consumer reports

I see numerous fraudulent inquiries in my report. Please remove them as soon as possible. I have the right to have an accurate reporting. 

XXXX XXXX inquiry date XX/XX/XXXXXXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX XXXX inquiry date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

website on XXXX won't let me view my credit score website on XXXX won't let me view my credit report website on XXXX won't let me dispute my credit report
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is showing in collection on my credit file. It has a dropped my scores tremendously. It is also showing up incorrectly on the balance. It also shows on one bureau it shows as a debt recovery company on the other credit bureau, It shows up as a medical collection debt company. it has inaccurate dates because I did not open this account in XXXX and it said it was open in XXXX. I asked them to validate the debt and they have not validated the debt as of today but it has been placed on my credit file from two different collection companies and it has dropped my scores tremendously. I need this inaccurate debt and information removed from my credit report immediately.