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

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate of unverifiable information ( A ) general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate of 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 file 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. Please remove the following item ( XXXX ) from my report, immediately : Account : XXXX XXXX XXXX XXXX Amount : {$3500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFF and COLLECTION accounts on my credit report. These are disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time just today I have a charge off and collection that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. One of your staff told me to write a letter and attach a copy of the identity theft report ( FTC report # : XXXX ). I have never with these accounts listed below, so please help me remove this charge off and collection, including this incorrect information from my personal profile. A copy of my Bank Statement, drivers License, and SSN for my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. 

PLEASE DELETE THE FOLLOWING FRAUDULENT ITEMS : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX. Im requesting that you follow the law by removing this inaccurate information and please provide me with a free updated credit report within 30 days. If I dont receive a return response within 10 days, I will file a complaint with the Attorney General, Consumer Financial Protection Bureau , and the XXXX XXXX XXXX . Please immediately respond. Please do not email me a common verification. Please do not add me to the list of people who complain about your delay tactics. Im very persistent & will not let your unwillingness to comply the law stop me. I'll re-attach my driver 's license, SSN, and current Bank Statement as verification of my ONLY address.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/XXXX cash app sent me an email at XXXX saying my email was unlinked. I did not know that someone got into my account. From New York an hour or 2 earlier and was not notified that someone unlinked my email and my phone number and put their email in phone number. In my cash account period they withdrew {$99.00} at the time totaling {$2700.00}. I immediately once I got the email. Contact the Cash App with no help. No resolve contact the Cash App support. But I had to do it on XXXX and make a call. Because I wasn't able to get back into my account period I have several complaint numbers from various cash at representative. XXXX or XXXX  XX/XX/XXXX I spoke to several representatives. Who said that my Cash App was locked and they were working on the issue. And ask us to speak to a manager in which I spoke too. She assured me that there was a log on my account. And she got me into my Cash App. Finally, when we did, the security measures require me to take a picture of my photo. I. D. A picture of my face.Verify my social security nuthere were different.Emails and phone numbers and XXXX devices that were not mine from new york . We try successfully XXXX XXXX remove the email and the phone numbers and the devices, but it could not be accomplished. And the manager said that she would make a complaint as to why. I could not remove these emails and addresses and devices off of my account and promised to get back to me in 24 hours, which she never did. Period it is now XXXX  and I asked to speak to another manager several times through Cash App support and also calling the Cash App support number.And we finally got into the accon saturday XXXX XXXX and we discover That XXXX additional people we're able to get into my account even with the security lock and freeze and steal additional money while cash app didn't allow me to recover my account. I asked the question if Cash app locked and froze my account due to the hacker theft, how did XXXX additional thieves get into my account when it was supposed to be locked and no one reached out to me. I was told by the manager that she advise I go take a on fraud and I was appalled. At this point they are spinning me around in circles, no one has contacted me about the XXXX other additional people allowed to steal money after the security lock on XX/XX/year>, and XXXX. These people were allowed to usurp the security features I was put through. Please help. XXXX XXXX XXXX XXXX I can't pay my rent or utility bills or have carfare to get my daughter to school and XXXX phone bill and internet is due tomorrow so I probably won't have access to call cash app for the 12th time. Please help. These people are not going to help me. They are angry and don't want to deal with me. I have screenshots and dates and cash app records their calls. I've been told opposing information so many times and the representatives basically hang up on me when I try to get the information
Product: Credit reporting or other personal consumer reports

XXXX of XXXX I purchased a vehicle from XXXXXXXX XXXX XXXXXXXX and received a loan through XXXX XXXX XXXX XXXX XXXX has continuously lied, deceived and tricked me regarding repairs of my vehicle. I had enough of it it on XX/XX/XXXX and communicated with a lawyer to submit my Revocation of Acceptance due to the fraudulent nature of their behavior. 

Despite this, they continued to report to the credit bureaus that I missed payments, in turn hurting my credit score by XXXX points or more. The case with XXXX is in litigation, and has been since XX/XX/XXXX, and due to my revocation, there should never have been any reports against me made by XXXX or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is still reporting information that I do not recognize XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024
Product: Checking or savings account

Today Friday XX/XX/year> Capital One do not give any access to nobody on their account, our direct deposit its been put on hold and we got no secure timeframe for this.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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 informationisinaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I've complained several times about these unverified companies erroneously reporting my my credit report. Please remove them all immediately!
Product: Vehicle loan or lease

Per the FCRA as a federally protected consumer. Im now opting out of any authorization that I may have given you in writing or non written verbal and nonverbal per 16 CFR 313.7 in conjunction with 15 USC 6802.And the Privacy Act of 1974. To report any of my private information to any third party non affiliated. Including all credit reporting agencies and credit furnishers.
Product: Credit reporting

I have a XXXX derogatory accounts and other high balance debt accounts I have been trying to resolve for the past 6 months. Now these accounts have lowered my credit score by more than XXXX points and now I can not make any financial decisions until I resolve these accounts.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an account on my personal credit report, as it violates consumer protection laws. 

This is a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My wife and I went to our bank to get a HELOC as a bridge loan. We were told specifically and repeatedly by the loan officer that the interest only payment on the loan would be {$250.00} per month. We trusted the loan officer and the manager who told us this. When I went in after getting {$200000.00} to help our daughter purchase a home I learned that the DAILY payment would be {$45.00} which of course is {$1300.00} per month. 

We were told that the loan officer and the manager had been fired due to these kinds of issues. I was also told by the new manager that the loan officer who fraudulently told us this was found to have a customer 's credit card under her mousepad that the new manager found upon moving into her office. 

We only need this loan for approximately 45 days until we sell our home. This predatory lending by these officers of the bank is unacceptable. I have been banking with Citizens Bank for about 30 years. The XXXX XXXX XXXX has our building loan with them. We are all appalled by the actions of our bank and seek relief from the CFPB.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX Balance {$14000.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$2000.00} Open Date XX/XX/XXXX U XXXX XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XX/XX/XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Balance {$760.00} Open Date XX/XX/XXXX U XXXX XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXX XXXX XXXX Balance {$220.00} Open Date XX/XX/XXXX 2023
Product: Debt collection

This is to express my extreme frustration and indignation at the persistent and utterly unacceptable inaccuracies in the reporting of my credit history. It has come to my attention that your bureau is erroneously reporting late payments on my account, despite the fact that all payments were made in a timely manner. 
Account Information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I am astounded and infuriated by your blatant failure to accurately reflect my credit history. The late payment information reported by your bureau is unequivocally false and damaging to my financial standing. 
Cease the erroneous reporting of late payments on my account. The payments were made on time, and there is no justification for tarnishing my credit history with such inaccuracies. The negligent reporting of late payments on my account is not only damaging to my creditworthiness but also a direct violation of the Fair Credit Reporting Act ( FCRA ). I am appalled at the lack of attention to detail and accuracy demonstrated by your agency.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC 1681, section 602a underscores the necessity for consumer reporting agencies to carry out their significant duties with fairness, impartiality, and a regard for the consumer 's entitlement to privacy. Equifax and XXXX, recognized as consumer reporting agencies, interface directly with consumers like me. I, as the consumer, possess the fundamental right to safeguard my private information from unwarranted sharing, as substantiated by 15 USC 6801, which underscores Congress 's stance that each financial institution bears an ongoing obligation to uphold the privacy of its clientele and safeguard the confidentiality of their nonpublic personal data.

Entities furnishing information to credit agencies are categorized as financial institutions under the aforementioned statute. Pertinently, 15 USC 1681, section 604a, subsection 2 outlines that consumer reporting agencies may solely furnish consumer reports in adherence to the explicit written directives of the concerned consumer. Both the financial institution, as the provider of information to credit agencies, and the consumer reporting agencies such as Equifax and XXXX, and XXXX, do not possess my authorization to furnish this information, nor do they have my explicit written consent. Therefore, any consent previously extended to Equifax, XXXX, XXXX, or other entities acting as furnishers of information to credit agencies, whether verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 
Moreover, 15 USC 6802 ( b ) ( c ) dictates that a financial institution must not disclose nonpublic personal information to nonaffiliated third parties unless the consumer is provided with a clear explanation of how they can exercise their right to non-disclosure. Regrettably, the financial institution in question failed to inform me of my right to exercise this option. Additionally, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include certain adverse items of information in a consumer report without proper authorization, a provision this account infringes upon. 
Under 15 U.S. Code 1681s2 ( A ) ( 1 ), entities are prohibited from furnishing inaccurate information to consumer reporting agencies, yet Equifax and XXXX continue to do so. Furthermore, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to prevent violations of section 1681c and restrict the furnishing of consumer reports to the purposes specified under section 1681b, a requirement which Equifax and XXXX seem to neglect. 
Additionally, as outlined in 12 CFR 1016.7, consumers retain the right to opt out of reporting services at any given time. Hence, I am formally exercising my right to opt out of your reporting services effective immediately.
Product: Credit card

XXXX : reported my Mother 's death to Chase Card Services, pending refund to be sent to XXXX ; followed up on XXXX ; XXXX ; XXXX -- Have not received money owed
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, and I am submitting yet another CFPB Complaint to inform the Credit Bureaus that they are reporting erroneous information on my Credit File. Upon reviewing my credit file, inaccurate and misleading accounts are being reported on my Credit file. The XXXX, Experian, and XXXX Credit Reporting Agencies has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continued to report unverified information without providing any proof required by law. The 3 Bureaus have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following accounts are inaccurate and I never received anything from the Credit Bureaus as proof of verification to support the Credit Bureaus claims that the Accounts have been verified. They have failed to provide me with the written authorization or update and remove these accounts from my credit file. I need the following accounts investigated to be corrected and or removed as soon as possible. 

XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$310.00} XXXX XXXX XXXX Owed : {$9600.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXX XXXX XXXX Balance Owed : {$30.00} XXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2019
Product: Debt collection

This CFPB complaint is against the attorney 's located at WELTMAN, WEINBERG & REIS , CO., L.P.A.  that is representing XXXX XXXX, XXXX. I have responded to them on XX/XX//18 with a letter and legal notice referencing the FDCPA to cease all communications. They received it on XX/XX//18 via certified mail. They are trying to collect on a debt that is paid in full with a company that is out of business and I have provided documentation proving this with a copy sent to them and the XXXX County District Court located in the Kentucky Court of Justice. They continue to send me documentation that is irrelevant to this so called " debt '' and I continue to be harassed by this attorney and his office. I demand them to cease all communication with me about this debt to the form of bullying and harassment or I will move forward with a lawsuit of my own against this attorney and his office trying to collect on an invalid debt.
Product: Checking or savings account

A checking account was opened with an online bank. Chime is a financial technology company, not a bank. Banking services provided by XXXX XXXXXXXX XXXX XXXXXXXX. or XXXXXXXX XXXX XXXXXXXX. ; Members FDIC- this is a fraudulent account. Chime will not close the fraudulent account. No ID was used to confirm my identity yet they have an active account.
Product: Mortgage

XX/XX/XXXX : I mailed the proper Roundpoint ( RP ) form to request having my PMI ( Private Mortgage Insurance ) removed. I spoke with RP and they contacted a local appraiser here in Hawaii. 
XX/XX/XXXX : The appraisal was done. 
XX/XX/XXXX : Spoke to XXXX at RP ; I hadn't heard from RP, so called them. I was told over the phone : " it is in process, someone will contact you soon. '' I asked how I would be contacted- RP said via my cell or email or a letter. 
XX/XX/XXXX : I phoned the local appraiser to see if the delay was on their part- it was not. The appraiser had the report ready to submit when someone from RP had called them and " cancelled '' the appraisal. 
I phoned RP and spoke with XXXX. I wanted to find out why the appraisal was cancelled. I was told there was a note on my file that said : " unable to make contact with homeowner, so cancelled. '' I never received a phone call, email or letter from RP. 
XXXX, the RP person said she would initiate the paper to " re-instate '' the appraisal, and that someone would be contacting the appraiser and asking them to submit it. I was told someone would make contact with me in 48-72 hrs. 
XX/XX/XXXX : Phoned RP and spoke with XXXX. AGAIN, I was told she could see all the notes on my file and she didn't understand why it had not gone through yet. While she was on the phone with me she said she was typing the request to get the appraisal that was done on XX/XX/XXXX submitted to RP. AGAIN, I was told someone from RP would contact me in 48-72 hrs with an update. 
XX/XX/XXXX : I phoned RP and spoke with XXXX. She was nice, sounded young, could see all the notes on my file, but couldn't answer why the request was in limbo, and why the appraisal report was not " uploaded '' to my file yet. I asked to speak with the person responsible for reviewing my PMI-removal request. I was told that person was " not at her desk ''. I asked XXXX to leave her a msg- she said she would. I next asked to speak to a supervisor ; I was nice about it- told XXXX I wasn't mad at her, but at the treatment RP was giving me. XXXX 's supervisor 's name is XXXX and XXXX said he, also, was not at his desk so she couldn't transfer me. I asked her to leave XXXX a message that I would like a phone call from him within 24 hrs. I also asked XXXX to put into my file that I was going to contact CFPB. 
Hopefully you can help me. I am retired and the PMI amount would help me monthly. I have done my due diligence and my house has gone up enough in the past 15 mos, so that shouldn't be an issue. 
Thank you for your time.
Product: Credit card

My account at XXXX XXXX had a XXXX balance. Then on my statement, there was a charge of {$1100.00} On the next statement, a fee of {$29.00}. was charged for LATE FEE. Now my balance is {$1200.00}. The next statement. Two months later, my balance is XXXX with a credit that says XXXX and purchases of {$2400.00} giving me a new balance of {$1700.00}. I have called so many times, I could not even begin to remember the dates. I filed a fraud complaint, and they always came back saying I owed the money. This has been going on for 4 months. I am afraid that they will report this to the credit bureaus. I had an excellent payment record until this. I am a senior citizen and feel that I am being taken advantage of.