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

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  XXXX Subject : Dispute of Erroneous Accounts and Request for Deletion To Whom It May Concern, I am writing to formally dispute the presence of the following accounts on my XXXX credit report, as they have been verified as inaccurate and subsequently removed from my XXXX credit report. The accounts in question are as follows : ( SEE THE ATTACHMENTS ) I have attached documentation from XXXX confirming the deletion of these accounts, as well as any supporting evidence demonstrating their inaccuracies. Despite this, these accounts remain on my XXXX credit report, which is unacceptable and a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

As you are undoubtedly aware, the FCRA requires credit reporting agencies to maintain accurate and up-to-date information. Retaining these accounts on my report after their proven inaccuracy undermines the integrity of your services and has caused undue harm to my creditworthiness. 

I demand that XXXX immediately investigate and remove these accounts from my credit file to ensure consistency and accuracy across all credit reporting agencies. Failure to act promptly will leave me no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, pursuing legal action to protect my rights. 

Please provide written confirmation of the deletion of these accounts within ( XXXX ) days of receipt of this letter, as mandated by federal law. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

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

I was a victim of TransUnions inquiry issue. Inquires were removed then later re-added to me report without a 5 day notice as required by law. Additionally I 've tried contacting customer service about this and they continue to play stupid. I also let them know I was a victim of thTransUnion broke the law and they need to take the following inquires off my report permanently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 customer 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 error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

Discovered I had but {$5.00}. In my acct. checked acct on line and had my atm card used 4 times yet I have my card in my purse. My purse had always been with me. XX/XX/XXXX XX/XX/XXXX 3 xs at atm {$200.00} each + their fee XX/XX/XXXX atm {$300.00} + their fee Contacted my bank that night XX/XX/XXXX Bank sent me forms to fill out Bank declined due to Bluebird Member Agreement 22d Basically didnt believe me. They Permanently closed my acct. My Social Security Check was deposited on XX/XX/XXXX. 
Police Report # XXXX Detective XXXX XXXX XXXX Police Dept. Bank said 10 days to send me {$1200.00}. Called again and they said 10 days. Got my balance 31 days later.
Product: Mortgage

In 2007 I purchased a rental home in XXXX XXXX. Needless to say this was probably the worst timing in the history of the world. It took until XXXX to finally get it short sold. XXXX is reporting as a Foreclosure and that is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a credit reporting agency. I am a victim of Identity theft. There are things on my credit reports that indicate this. The companies that I am reporting inquiries are : ( XXXX  XXXX  and XXXX XXXX ) Creditors : XXXX XXXX ( twice ), XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX and XXXX XXXX XXXX. I also have a collection account XXXX XXXX XXXX  XXXX account number of XXXX. The creditor has not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 

I am asking XXXX, XXXX  and TRANSUNION to ensure they remove these erroneous items. I am being prevented from obtaining employment because of the items on my report. I will obtain legal action if they aren't removed immediately. All of the items are inaccurate and unverified. 

This not a credit reporting agency. I am writing because I am a victim of identity theft. XXXX, XXXX  and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not my account and I don't know who's been using my account for this loan or paying on it but its not my loan. I've called XXXX XXXX over and over but they haven't taken any steps to remove this from my credit report. Please remove this account from my report.
Product: Checking or savings account

I would like all overdraft, frees to be reimbursed to both accounts within the last twenty four months
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : 1 ) XXXX  XXXX XXXX : XXXX XXXX ) XXXX  XXXX XXXX : XXXX XXXX ) XXXX  XXXX XXXX : XXXX XXXX ) XXXX XXXX  XXXX   : XXXX 5 ) XXXX  XXXX : XXXX 6 ) XXXX  XXXX  : XXXX XXXX ) XXXX  : XXXX 8 ) XXXX XXXX : XXXX 9 ) XXXX XXXX XXXX : XXXX 10 ) XXXX XXXX XXXX  XXXX : XXXX 11 ) XXXX XXXX XXXX : XXXX 12 ) XXXX XXXX XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert on my credit file that a collection account had been added to my XXXX  credit report. I did not and still do not have any knowledge of any collections. A debt collection letter was never received and I did not have any pending bills or collections in XX/XX/XXXX (  which is what the collection agency ( XXXX XXXX ) is reporting. I immediately disputed the account and collection upon notice to the only reporting agency at the time, XXXX, and they deleted the unknown account and updated my credit report file on XX/XX/XXXX. After XXXX deleted the account, the creditor began reporting the account with Experian. The account with Experian was disputed and they refuse to delete it, even though XXXX agrees it is an unknown account, and it was never being reported on Experian until after the XX/XX/XXXX. I want the collection removed from my credit reports, because I never opened an account, paid any monies to, or began any agreement with a collection agency. The information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally Financial, and its agents have abused and deceived me as a consumer for their unfair practices of sharing " Our '' credit experience with third party organizations without prior consent/ permission from me the consumer. XXXX a agent whom works for this corporation stated that Ally believes they are furnishing accurate and complete information or our credit experience with you ( consumer ) labeled in exhibit ( A ) and therefor she will not request the removal from the reporting agencies. this is in violation of 15 usc 1681 a ( 2 ) ( i ) the fair credit reporting act Exclusions section meaning whats supposed to be excluded from a consumer report congress makes it clear that a report containing information solely as to transactions or experiences between the consumer and the person making the report ; must be excluded.

Ally was certified mailed to cease this form of communication including reporting to the credit reporting agencies. your organization never gave me a opt out clause to let me know as a consumer i have the right to opt out of credit reporting which is a violation of the gramm leach bililey act 15 usc 6801.

Note ; Ally has received and signed for all documents i have the green return receipts with signatures. this includes cease and desist, affidavit of Truth, invoice, notice of default opportunity to cure.
Product: Debt collection

This company calls me three to four times a day are very rude very aggressive have threatened to put liens on my home have threatened to take my driver 's license I was never given a fair day in court all of a sudden this company just starts calling me I have tried to make right with him they are just too aggressive this has been going on for months
Product: Credit card

XX/XX/XXXX, emailed Kickoff, requested my rent payments from when I signed up be reported as they are not due until the XXXX of the month. I have attached the starting months that were reported and have not been reported since XX/XX/year>. I am missing the rental reports that are due to the XXXX credit outlets that are suppose to help your credit. As you can see I have not received an in good standing to any of the creditors bureaus since XXXX. I asked why and they stated I needed to pay the {$50.00} for back rent report. This is not a back rent report this should have be reported the day after I signed up and paid the fees. Starting XX/XX/year>. I am now in a contract that I pay {$20.00} a month for XXXX  months which then they release the funds as credit. I signed up to increase my XXXX XXXX by paying rent. If I cancel this will lower my XXXX XXXX.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I reached out to XXXX, XXXX, and Transunion for validation of fraudulent and unverified accounts and I have yet to recieve any response. I have also filed online disputed with proof of identity and still the false items remain on my consumer report.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX THESE ITEM ON MY CREDIT REPORT NEED TO BE REMOVE DUE TO IDENTITY THEFT AND FRAUD
Product: Checking or savings account

I didn't receive the advised XXXX UR bonus for opening sapphire checking account after meeting all the requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : IN RESPONSE TO CFPB:XXXX Your company have violated the provisions of section 605B, 623 ( a ) ( 6 ), or 615 ( f ), You have no proofs to offer to support a dispute, and thus your assertion in the form of a policy report is being used to obtain blockage, not contest the accuracy of its reporting Stating that I have hire a credit repair company have no merit respond to my issue it is sad that your company will try to used way not to fallow the law keep in mind every information stated here will be latter requested if a lawsuit is filled against your company please govern by the law as to my issue you have no reason to determine that you have made a misrepresentation of material fact relevant to the request to block ; c ) XXXX has reason to determine that you obtained possession of goods You have no way to ascertain the legitimacy of my action without investigating the items in question Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, Equifax et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE  investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please send me all document regarding such record, court documents ] supporting my position. ] Please reinvestigate [ this/these matter ( s ) ] and [ delete or correct ] the disputed item ( s ) as soon as possible stating that I have hire a credit repair company to resolve my issue is a insult Thank you. 

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased two train tickets for XXXX to XXXX through XXXX. As a result of travel restrictions issued by the XXXX due to Covid-19 I was unable to travel to XXXX. On XX/XX/XXXX I contacted XXXX XXXX to cancel my train ticket and ask for a complete refund. XXXX has a no refund policy and under normal circumstances I wouldn't ask for my money back, but these are not normal circumstances. Also, every other travel organization I booked for this trip to XXXX gave a full refund. 

I was first told that I would get no refund and after a few emails was told 50 % refund on XX/XX/XXXX. I wanted 100 % back. So I disputed the charge with my credit card institution, Navy Federal Credit Union. I received a letter in the mail yesterday, XX/XX/XXXX, stating that I lost my dispute and the case had been closed. Again, if these were normal times I would agree with the decision but I don't accept it now. 

Two points here : 1 ) Don't use XXXX to book travel and 2 ) don't use Navy Federal credit cards if you think you will ever submit a legitimate dispute. Not only is their website cumbersome to navigate, it hasn't appeared to me that Navy Federal supports its customers.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT claims that I owe a debt to them. They are a collection agency. I asked them in writing to verify the debt with the original documents that prove my involvement with the debt. They have not furnished such information. Given 611 of the FCRA, they have a responsibility to verify any debts they claim to own the rights to. If they can not? They are legally required to cease reporting the debt. They have not. I'm asking that the debt be removed from my credit profile.
Product: Credit card or prepaid card

I ca n't afford to make monthly payments on my credit cards
Product: Mortgage

After very a very lengthy Loan Modification with Flagstar Bank, I have came out worse than when I started. 
During the loan modification, per regulations, Flagstar hired an independent company to check the vacancy status of my home. I was/am currently living in my home ; however, Flagstar stated that it was reported vacant. Not only did they report it vacant, but they again hired an outside vendor to come to my house and change the locks. My neighbor called and stated somebody is in your home. I called the police and did make a report of the situation. Upon returning home, my home locks had been changed, my home was " winterized '', my back door was boarded up and damaged, and all my things had been rummaged through. Flagstar simply said that my house was reported vacant. ON SEVERAL OCCASIONS I told them I LIVE in the home. My loan requires me to live there or I can not re-finance. If it was vacant I would not have been able to complete a modification. Even more, Flagstar made a claim with my insurance company stating wind damage had damaged the roof. This claim was denied by my company due to meeting the deductable. 
For an entire 3 months I had my yard mowed, several signs hung on my door, and the final straw was having BLACK TAR placed on my roof. At this point I hired a lawyer and we are currently preparing a lawsuit. 

My modification was completed ; however, my payments were increased due to taxes and a shortage of Escrow. Not only this, Flagstar now has added a what they call " Total Advances '' fee to my mortgage totaling {$4900.00}. When I inquired about this, they stated this was the cost of refinancing and does not have to be paid immediately. They stated that the total amount would stay on my statement until I sold the home or paid the amount due. It clearly states in my modification packet that all fees and dues have been included in the modification by Flagstar. Why is there a {$4900.00} fee and why is my mortgage going up due to a shortage of Escrow. This was included in my modification. 

Since modification was complete, I have followed through with the claims from my insurance company to obtain a new roof due to the amount of damage FLAGSTAR sub contractors caused. I simply had my insurance company come back out and re-assess the damage. A claim was approved this time. In turn, this has increased my insurance and respectively increased my mortgage. 

The worst part about this whole process was trying to speak with Flagstar to avoid these issues. Each time I called I was transferred to Loss Mitigation, Claims, Insurance, and Default Services. None of them could tell me why preservation crews were coming to my house. They even advised they would put notes into the system to advise the preservation department to stop coming. Of course, this did n't stop them.
Product: Checking or savings account

On XX/XX/2023, a fraudulent transaction was posted to my account that caused my account to go negative. I reported the charge as fraudulent the same day. After reporting the charge as fraudulent, Chase informed me that a temporary credit would not be applied to my account for 10 days. I literally have no money until the temporary credit is applied.
Product: Credit reporting or other personal consumer reports

I've sent Documation requesting validation of accounts in detail. they refuse to complete the second request..
Product: Credit reporting or other personal consumer reports

The recent CFPB lawsuit against Experian highlights a critical concern : the failure of credit bureaus to consistently provide accurate and identical consumer information. This impacts individuals across the board, hindering access to housing, loans, and even basic financial services. 
Experian, XXXX, and XXXX hold significant power in the credit reporting industry, often operating as a de facto oligopoly. The lack of effective oversight and accountability allows for inaccuracies to persist, negatively impacting consumers ' financial well-being. 
The CFPB must take a stronger stance against these credit bureaus to ensure fairness and accuracy in credit reporting. This includes robust enforcement of existing regulations and the development of stricter guidelines to protect consumers from the detrimental effects of inaccurate credit information. I have filed numerous comp complaints against all three credit bureaus with failure to comply with FRCA law and nothing ever gets done so what is the CFPB there for? I just wan na try and understand that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/2018 and XX/XX/2018 XXXX XXXX XXXX placed a collection on my credit report for {$310.00}. I have had no correspondents or communication with this company. Nothing was sent to me in the mail to dispute or confirm/verify that this account is mine. I have never did business with this company. THIS ACCOUNT IS NOT MINES.
Product: Bank account or service

On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  XXXX ) XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXnquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX They said u can call them and they will confirm I have no history there.
Product: Credit reporting or other personal consumer reports

Consumer reports list a hard inquiry for XXXXXXXX XXXX XXXX dated XX/XX/2023. No disclosures were provided to inform of this hard inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The balance being reported by is not accurate. The outstanding balance stated for this debt is {$7900.00} last I checked. This balance also clearly lacks the credit of the XXXX insurance purchased at the time of the vehicle purchase on XX/XX/2019. The XXXX insurance was refunded at a prorated amount due to the cancellation of the contract as a result of XXXX and their unwarranted repossession. It is obvious that either the selling dealership or XXXX has failed to include the XXXX insurance refund in the so-called unpaid balance following the auctioning of my XXXX. The finance contract signed by myself, and my co-buyer XXXX XXXX has been modified to state that I XXXX XXXX was the co-buyer when in fact Iwas the Buyer. It is inaccurate to report that XXXX XXXX was the buyer when he did not require a co-buyer to make the purchase. I XXXX XXXX was the one that required a co-buyer due to my lack of credit worthiness. Please assist me in getting the account corrected or deleted.