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

Thank you for reading my complaint. I contacted XXXX numerous times about allowing incorrect addresses to be on my credit report. I requested the information be removed and they would just send me stall letter, saying I didn't prove who I was. I would accompany a copy of the front and back of my identification, social security card, current bill and notarized letter. I have been asking for this to be removed from my account since 2019. I have asked for the method of verification and still nothing being provided to me.They are aware that I am a victim of indemnity theft and this institution hasn't helped me rectify this situation. 
-incorrect address -closed accounts that aren't mine -credit inquires -collection that isn't mine -incorrect employment - late payments that aren't correct I have been in contact with Equifax in regards to an account that they are allowing to be reported on my credit account. I have been reaching out to them since 2019 and they refuse to send me any method of verification. I have been writing them via certified and notarized mail, but the account hasn't been removed from my account. They are still reporting my name incorrectly, regardless of how many times I send in my proof of my identity. They are reporting a credit inquire that is incorrect as well. 
-inquires -incorrect addresses incorrect name -incorrect employment -late payments that aren't correct XXXX is still reporting four accounts that I have in formed them that aren't mine. They are still reporting my name incorrectly, incorrect employment and incorrect addresses. I have been contacting them since 2019 and to no prevail. they are also reporting credit inquires, that aren't correct. I contact them again and still no resolution. 
- incorrect addresses -incorrect employment -credit inquiries -accounts that aren't mine incorrect names -late payments that aren't correct Not only are they violating FCRA. There is section 604 15 U.S code 1681 B, Section 15 U.S code 1681 C-1 and section 605 B U.S code 1681 C-2
Product: Debt collection

Hello, My name is XXXX XXXX and I have been paying XXXX XXXX XXXX for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that XXXX was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that XXXX said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that XXXX was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my XXXX login information.
Product: Payday loan, title loan, or personal loan

Personify Financial has failed to give me any formal contract or documentation for our settlement agreement which started on XX/XX/XXXX. I called in on XX/XX/XXXX after being invited to accept it and the representative set it up so my payments would be automatically processed and my final payoff would be on XX/XX/XXXX after 3 payments of {$200.00}. They advised me that the confirmation would be sent to my email however it was never received. In XXXX the 2nd payment was due on XX/XX/XXXX but it was not automatically processed and I manually had to pay it on XXXX. On XXXX I called in because I was charged twice and spoke to XXXX and she authorized a refund for the second charge. On XXXX I called again because I had not received the refund, this time the rep and their supervisor told me that they could offer a refund of {$99.00} OR to settle the account out. I told them they made a mistake because my refund is for the full payment of {$200.00} because the final payment was automatically taken out on XX/XX/XXXX, so my account is settled. They told me that they have no evidence of a phone call with XXXX in their system and that within 24 hours I would get an email for an evidence request. I never received one. On XX/XX/XXXX I called again and briefly spoke to XXXX before the call abruptly ended. I called back and the rep XXXX informed me that my account was locked so he couldnt look into it and that I would need to call back within 2 hours and wait for his request to unlock to be approved. XXXX called back shortly after and said that because the XX/XX/XXXX payment did not process, my settlement agreement was cancelled. She said her supervisor reviewed the audio and that the representative who initially set up the plan did not complete the credit authorization which is why on XX/XX/XXXX nothing processed and that voided the settlement contract. They insisted that my payments are not part of the agreement and I am back in debt with them. I asked for the supervisor name and if I would be able to review the calls myself because I was never told about this authorization issue from XX/XX/XXXX even though there have been several phone calls since then XXXX hung up and I received no call back. It seems to me that I have been deceived in multiple ways. They have failed to provide my agreement, they will not release any information about my phone call records or supervisor information, and have denied existence of a past call despite me having a feedback survey invitation from the call. The customer service representative failed to provide me with the information necessary to protect myself in this agreement and I should not be at fault for their negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022, I sent a letter to the US Bankruptcy Courthouse in XXXX XXXX, FL asking if they report XXXX  XXXX bankruptcies to the credit bureaus and I received a letter from the courthouse stating They do not report or transmit any bankruptcy court records to Credit Bureaus. If so, how did the Credit Bureaus verify my bankruptcy as 100 % Accurate. A fair investigation was never done in accordance to 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights many times over.

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX ID Type : Driver 's License ID Number : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX XXXX am writing to request an investigation of the following information that appears on my XXXX XXXX XXXX consumer report I NEVER opened or use any following account numbers. 

Bank : XXXX XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX Bank : XXXX XXXX XXXXXXXX ( Date Open XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX : XXXX XXXX ( Open Date XX/XX/XXXX Account # XXXX Routing # XXXX XXXX : XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX XXXX XXXX XXXX XXXX XXXX ( Open Date XX/XX/XXXX ) Account # XXXX Routing # XXXX I dont recognize the following accounts in question The report shows that I was suspected of fraudulent activity and I was the victim of a scam and not the perpetrator. 

Im the victim of identity theft and I dont recognize one or more of the accounts on my report. I am requesting the following information to be deleted from my early warning consumer IMMEDIATELY Ive attached a copys of the report to this request. 



Thank You for your assistance Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  XXXX XXXX {$XXXX} This account is not mine. I've sent disputes and there wasn't any change. I've recognized this is not my debt. Also, I realized inaccuracies within the account itself that is grounds for immediate deletion. I will also list the credit laws in which this account goes again

st with the FCRA. 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 15 USC 1681i ( 5 ) ( 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 the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company ALLY FINCL account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America Credit Card. Charge off date of XX/XX/XXXX. XXXX from Bank of America to claim absolved debt as income for XXXX taxes. Form from Bank of America was created XX/XX/XXXX. Currently claiming a limit on account of {$13000.00} and a balance of {$15000.00} on XX/XX/XXXX. Have filed disputes 2 separate times through XXXX XXXX and gotten no resolution.
Product: Mortgage

Finance of America Reverse, Loss Draft Department continues to hold my insurance disaster claim check in the amount of {$11000.00} without cause for well over 30 days and never processed an initial dispersement for my home to get repair. Finance of Am have already confirmed receipt of check on XX/XX/XXXX and that no other info is needed. They have continuously informed me that they will process the funds to me each time I called and as of date no receipt of funds. I called on XX/XX/XXXX for status, XXXX XXXX stated Finance Of America notes in file receipt of check on XX/XX/XXXX as requested and contract, receipts, and invoices of contractors was also received and confirmed by Finance of America and no other info needed for initial dispersement. I called again XXXX, funds, not processed, again on XXXX, XXXX XXXX ( Rep ), funds not processed but stated she was sending urgent message to Processor to release funds; called again on XX/XX/XXXX, XXXX XXXX who again confirmed no other info needed and again stated he will send urgent request for release of funds. Because of their continuous neglect and disregard of devastation of damages, I had to borrow and use my own limited funds to get my entire roof replaced as I have rained in damage to my home. My ceiling is sloped and cracked from rain in and Finance of America have been notified over and over again. I am a XXXX XXXX on XXXX and need the funds ASAP. Damages to my home is still progressing to worst results and I have no more personal funds to get these repairs completed and I should not have to when Finance Of America is holding my money or worst have stolen my insurance disaster funds. Please help.
Product: Credit reporting or other personal consumer reports

Credit Report Disputes Unresolved - FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance in addressing multiple unresolved credit reporting discrepancies with XXXX, TransUnion, and XXXX. On XXXX XXXX XXXX I sent certified mail to all three credit bureaus, requesting reinvestigation and deletion of inaccurate information from my credit reports. My request was based on my rights under the Fair Credit Reporting Act ( FCRA ). Despite my efforts, the credit bureaus have failed to investigate and correct these inaccuracies, which is a direct violation of my rights under the FCRA. 

Summary of Actions Taken : On XXXX XXXX XXXX I mailed certified dispute letters to XXXX, TransUnion, and XXXX requesting reinvestigation of erroneous accounts. 
I provided supporting evidence and clearly outlined the inaccuracies in my reports. 
Despite the XXXX response period mandated by the FCRA, XXXX of the bureaus have addressed the discrepancies or provided resolution. 
Issues with the Credit Reports : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts are not mine, and I have no knowledge of their origin. Despite many attempts to resolve these matters directly with the bureaus, the errors persist on my credit reports, causing harm to my creditworthiness and financial well-being. 

I request the CFPB 's assistance in ensuring the credit bureaus comply with their obligations under the FCRA to investigate these disputes promptly delete and remove any inaccurate or unverifiable information. 

Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2018, I became aware of Medical Data Systems furnishing negative information to my credit bureau report concerning an alleged past-due medical bill in the amount of {$75.00}. Upon contacting Medical Data Systems, I was directed to the billing offices of XXXX   Hospital to verify the information provided. While contacting XXXX, I spoke with a helpful woman by the name of XXXX ( spelling of this name may be incorrect ) who advised me that XXXX  sent the initial statements to an incorrect address ( where I have not resided for 9+ years ), and that upon payment the negative entry to my credit bureau report would be COMPLETELY DELETED - she advised me that a woman named XXXX XXXX at Medical Data Systems would be personally deleting the entry. Upon receiving this information I submitted payment in full to MDS on XX/XX/2018. Upon calling to verify that the entry was submitted to the reporting agencies for deletion, I was advised it had not and advised to call XXXX 's office again. I contacted XXXX and they, again, assured me that they would work the problem out with MDS. Waiting a week, I then contacted MDS yesterday to speak to this XXXX XXXX and was transferred to a collection floor representative 's voicemail repeatedly over a period of 2+ hours. At this point, in addition to the mis-information provided, I also have issues regarding the Fair Credit Reporting Acts violated by Medical Data Systems and, by extension, XXXX Hospital due to CBR reporting without initially validating the alleged debt in question.
Product: Checking or savings account

Hello, I banked with Current. The account is still open and I have attempted to work with them for months now. I disputed a charge that occurred on XX/XX/XXXX for an amount of XXXX. The charge is under XXXX however no other merchant information is available nor can I locate anything about this mysterious charge. So I submitted the dispute to current with my XXXX pay history as the card used was the virtual card they offer which only works with XXXX pay and there was no charge on or around XX/XX/XXXX in the amount of XXXX in my XXXX pay history. On XX/XX/XXXX the only XXXX places I went were XXXX and the tattoo parlor XXXX XXXX. At XXXX I used my innovations debit card to pay for food and at XXXX XXXX, I provided cash for the tattoo and provided a tip of XXXX with the Current debit card. After I submitted the dispute with the evidence they denied the claim saying the phone number matched and that it was a fuel dispenser. I asked for a full report which I have yet to receive it and I also asked them to please advise which fuel dispenser was used so I can go and request surveillance footage which I have still not got a response from Current on which fuel dispenser it was or the business name attached to the fuel dispenser. I submitted a XXXX  dispute which has the same screenshots both from my phone directly and using the my phone app on the pc. This has been an ongoing issue now for 2 months and based on the XXXX  sight a lot of complaints are the same. I feel there has been no real work has been done and they are just denying claims to deny them even though they do not provide any evidence that the charge is legit. I have provided substantial evidence and am dumbfounded that they are prolonging this to the point where legal action could be taken against them for these shennanigans.
Product: Credit reporting or other personal consumer reports

I am writing once more to express my bewilderment at your credit bureau 's handling of the investigation into the accounts, as I continue to dispute the presence of fraudulent accounts on my credit report. As you are aware, I have submitted the required FTC report regarding this fraudulent account. Following my submission, both Transunion and XXXX removed this account from their records. I have also directly contacted the company associated with this account, and they have confirmed the removal of the account. Therefore, I am puzzled as to why this account is still being reported by your bureau. It is imperative to recognize that as a credit bureau, you are legally bound to ensure the accuracy and timeliness of your records. Failing to remove this fraudulent account not only violates this obligation but also exposes me to further harm. 

XXXX XXXX XXXX XXXX
Product: Debt collection

Have been receiving daily calls from Portfolio Recovery for months. The calls are always from a different number from various locations throughout the country. I have no debt, nothing on my credit report, and have received no letters from legit debt collection agencies. This is a scam and they are harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint here with the CFPB on XX/XX/2022 against XXXX, Experian and XXXX. I received a completed investigation update here on the CFPB site from XXXX on XX/XX/2022 which is within the 30 day. As of today XX/XX/2022 which is the XXXX day since my complaint. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting or other personal consumer reports

I am disputing the inclusion of incorrect personal information on my credit report. The details below are unrelated to me, and I request their immediate removal. 

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

The months of XXXX and XXXX, Discover filed a report of late payment to my credit report, demoralizing my credit. During that time I was going through financial difficulty. I was preparing for my departure heading to XXXX XXXX training. In accordance with the fair credit Reporting act Convergent has violated my rights. 15 USC1681 Section 602 States I have the right to privacy.

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

I have had an ongoing issue with Freedom Mortgage since I have been trying to close since XXXX on my refinance with XXXX. 

They sent back a response but never mentioned to the CFPB that they received new documents back in XXXX with a new signed document and a new notary. 

Now Freedom is trying to say that the seal is fake when it came directly from a lawyers office so they are still not closing out my loan. 

This company is disgusting that they have been doing this to me and my husband since XXXX.