23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Banco Popular de Puerto Rico 1. Closed my applications due to its own excessive delays 2. Delayed approving or denying my application 3. Failed to alert me in time about incomplete application 4. Offers a Loss Mitigation Trial Period if I desist from my counterclaim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I communicated to XXXX XXXX XXXX via email on XX/XX/2021 that this account belonged to my ex-husband but was mistakenly reporting my credit report. The Team Lead at XXXX XXXX XXXX agreed to delete the account once paid as a courtesy deletion. I am not legally responsible for my ex-husband 's payment ; however, I agreed to pay the balance because it affected my credit report and was not very expensive. I submitted an Equifax dispute, and after the investigation, Equifax UPDATED the collection item instead of deleting it. I am including written correspondence from XXXX XXXX XXXX where they agreed to request that all three credit bureaus delete the item as a courtesy deletion. My complaint with Equifax is related to their investigation - now I have to wait an additional 30 days to have this information removed from my credit report.
Product: Credit reporting or other personal consumer reports

Negetive account supposed to be removed or block off my experian report i have a federal trade identity report on filed social XXXX
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report and noticed fraudulent accounts. Please remove this account because I am unable to get credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 45 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed expeditiously. I demand 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 got in the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

The account XXXX was sold but still reports a balance. I know that reading my credit report XXXX/GRNSKY/XXXX  says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 section 602A .States i have the right to privacy to the following accounts Account name Account number XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX al XXXX XXXXXXXX XXXX XXXX XXXXXXXX15 USC 1681 section 602A .States i have the right to privacy .5 USC 1681 section 602A .States i have the right to privacy 15 USC 1681 section 604 A section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any adverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 a reasonable cause to believe the information is inaccurate.
Product: Checking or savings account

Again, the mobile app gave the error message, " The data network is busy, please try again or come back later. '' The balance was {$110.00} in my account. This morning, I checked the app again and my balance went to {$110.00}, however, there was no debit transaction to account for the {$4.00} difference! Everytime I bring this to the bank 's attention, they lie about it. In this case, they told me they don't see a balance of {$110.00}, they see a balance of {$130.00} before other transactions came through, they always make up an excuse. They never reimburse me, but I took pictures this time.
Product: Checking or savings account

I signed up for a new checking account and savings account with chase with a promotional coupon code so you would receive {$200.00} after opening a checkingaccount and you've met the requirements stated in the fine print. For some reason two accounts were open in my name with chase. Upon noticing this error i messaged chase and they said they would remove the extra account for me and KEEP OPEN THE ONE THAT HAD THE PROMOTION CODE ON IT. ( PROOF IN MY MESSAGES OF THIS CONVERSATION ) WELL, thinking everything was all set I had my employer start putting weekly payroll into my checking account. 
I kept checking in with reps ( again, proof on phone calls and in my messages with them ) and all of them guaranteed they see I've been fulfilling the fine print promotional requirements and that my {$200.00} bonus will be deposited within 10 business days. Ok, 10 business days go by and 3 weeks of direct deposits and still not bonus. I call, and the lady said " I do see you have the code! Since today IS the 10th business day but it's Friday..funds are deposited on Tuesdays so technically yes, 12 business days '' ok ... my patience is thin but whatever. Tuesday rolls around. No deposit. I call. Then a representative tells me the other rep closed out the WRONG CHECKING ACCOUNT. are you KIDDING ME. UNACCEPTABLE. and EVERY SINGLE PERSON kept saying I'm getting the deposit. Every week and NO ONE SAW THIS MAJOR ERROR UNTIL AFTER??? IM LIVID. so then they put in a extra " investigation '' so Tuesday and fast forward to today, Saturday. I finally get a call back with the conclusion, even though they admitted it was THEIR MISTAKE there's NOTHING they can do. I'd have to " create " a new checking account with new coupon code and have my employer start direct deposits all over again in a new again and set up my auto pay bills from a new account too. Basically a huge inconvenience and terrible customer LYING service.
Product: Debt collection

XXXX XXXX  hires personal trainers and if personal trainer cancels twice for personal reasons then XXXX XXXX still bills you. I contested it and now they have an attorney writing me for an amount that is not the monthly subscription. The personal training memberships are very expensive so XXXX XXXX needs something in place for cancellations. I owe monthly XXXX and what they billed me for is not right. If your trainer cancels and reschedules then have something in place that credits my account until the new date is scheduled. That didnt happen and here we are. The amounts requested is not correct.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present all my consumer report any variation or misspelling of his name must be removed. The names XXXX, XXXX, XXXX Addresses. Only the address XXXX XXXX XXXX XXXX, MI XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses.. the following addresses must be removed XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX the birthdate/year of birth field YEAR OF BIRTH XXXX this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my consumer report. XXXX XXXX XXXX Balance {$120.00} This account was opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mon ) this account was created on mistaken identity, this account is not mine. per 15 USC 1681B this company does not have my permissible purpose to reflect or furnace. Any information onto my consumer report. Per 15 USC 6802. I am now opting out of XXXX XXXX XXXX company reporting or furnishing any data on my behalf. Per 15 USC 1666B it is illegal for a company to furnish information on my consumer report as far as my transactions and interactions involving my credit. This company has been reporting several missed and late payments on my behalf without my permission. The this account must be removed from consumer report. according to the FCRA, Section 623, It is not lawful for a collection account to be reported in the status of Open if this account is being reported as a collection this account should be is closed. This account must be removed based on the false and misleading reporting stats of reported as an open account. As a consumer based on 29 CFR 500.6 - Accuracy of information, statements and data & 28 CFR 20.37 - Responsibility for accuracy, completeness, currency, And integrity.i am asking that inaccurate accounts be removed Immediately
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : XXXX XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Mortgage

After losing my job in 2010, I applied to my mortgage holder Bank of America for a modification of my existing mortgage. After months of applications, I finally received a letter from BOA denying my modification because, to my surprise, I was informed, by BOA, in writing, that my mortgage was paid in full. 
Naturally, I immediately called their Customer Service Department and was given the run around that denied the validity of the letter they sent me. However, they refused to send me a letter in writing denying the letter 's validity. I have been informed in the past that when financial institutions make similar 'mistakes ', the institutions themselves are responsible and must suffer the loss.
Product: Payday loan, title loan, personal loan, or advance loan

I opened my Credit Fresh account while I was living in XXXX XX/XX/XXXX. I moved from XXXX XXXX XXXX  XXXXXXXX XXXX  XXXX Credit Fresh does not operate in XXXX  . My signed agreement states " If you are no longer a resident of the state in which your Account was originated, we may terminate this Agreement. '' I have submitted my new driver 's license with my correct address via online portal 3 different times, with the most recent upload being in XX/XX/XXXX. I have requested several times that Credit Fresh update my account to reflect the correct address but the company refuses to update it. Each time I call the Credit Fresh customer service line, I am told the request was submitted to Compliance and it would take 3-5 business days for Compliance to reach back to me and update the account. I have called Credit Fresh 4 times since XX/XX/XXXX and each time I am being told by the customer service representative I would get a call back by the end of the business day & if I do not receive a call, I would need to call back the following day.
Product: Credit reporting or other personal consumer reports

An account ( XXXX XXXX XXXX ) was removed from XXXX and XXXX but has not been removed from TransUnion. I have disputed this over XXXX times explaining to them the reasons and explaining that it was removed from the other XXXX bureaus. Because the other XXXX removed it they were supposed to but that has yet to happen no matter how many times i have disputed and requested through the dispute that i would like paperwork and information on the account from the creditor and they refuse to give information that validates the debt. Transunion is aware and have also requested information regarding the debt ( proof of repo and sale ) but they have not provided the information to TransUnion. Because they are refusing to cooperate with myself and TransUnion I am asking that TransUnion remove the account just like XXXX and XXXX did
Product: Credit reporting or other personal consumer reports

I am formally disputing the late payment entries on my credit report : XXXX  XXXX - XXXX - {$990.00} XXXX  XXXX - XXXX - {$1000.00} These entries are inaccurate and do not reflect my actual payment history. Despite my repeated attempts to have these discrepancies investigated and resolved, no meaningful action has been taken. I have provided all necessary documentation to support my case and have followed up several times, yet these errors remain. This lack of resolution has not only caused financial strain but has also significantly affected my mental and emotional well-being. The stress of dealing with these incorrect entries is overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial behavior, including the right to have outdated or inaccurate information promptly corrected. I urge you to take immediate action to update or correct these late payment entries, as failure to do so is a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

both XXXX XXXX and XXXX block me from their web sites to file complaints and will not allow me to login to check results of disputes and refuse to correct info and balances
Product: Checking or savings account

In 2020, I opened an account with First Financial Bank under an active promotion they had that advertised a {$100.00} signup bonus to the customer and {$100.00} donation to XXXX XXXX upon meeting the requirements. The requirements were : use promo code " XXXX '' and have a direct deposit made to the account. I completed those requirements and never received any bonus. Repeated calls to customer service yielded a multitude of inconsistent responses ultimately refusing to pay out the bonus. I have a screenshot of when I signed up with the bonus stating full terms, however the bank updated their disclosures on their website after the fact, and are now referring back to the updated page to preclude me from getting the bonus. This sly act is eroding the integrity of this bank and I respectfully request that the bank pays out the bonus that was due to me.
Product: Credit reporting or other personal consumer reports

I filed a previous complaint with XXXX XXXX. complaint number XXXX XX/XX/XXXX. In late XXXX a representative of XXXX. called me and said they were going to send me my report. based on this complaint. She stated she need to check with another department. I asked what the issue was, why they could not verify my information, with all of the [ personal infromation I had previously provided..DL, SS # XXXX and what she had to check with another dept about. She described a convoluted explination of, well we need to XXXX XXXX XXXX XXXX XXXX XXXX and confirm this and that. I am XXXX is the isssue with this company. I provided all personal information, AGAIN for a XXXX time..DL, SS #, home address, previous address and they still can not fix this or get me an explanation or my report. On their website they ask of even more information, XXXX information, a previous utility bill, XXXX XXXX, which I AM NOT going to provide. This is obscene! I am not in the witness protection program. I freaking googled myself and can find all of this info, from DNA to present, in XXXX freaking secs with basic info. There is no reason for them to collect, EVEN MORE INFO FROM ME. XXXX XXXX needs to be audited and fined for harassment. This is absolute XXXX. Where is the report your rep told me was going to be sent in late XXXX? Can the XXXX XXXX please regulate this type of behavior by a data collection broker? PLEASE!!!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the fraudulent accounts and unauthorized inquiries listed below, which have appeared on my credit report due to identity theft. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these items removed promptly from my credit file. 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX, recently discovered some unauthorized inquiries i did not consent, authorize nor benefit from and the consumer reporting agency know as Equifax still published this information onto my consumer report. Under 15 USC 1681b- Permissible purposes of consumer reports, In General, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of the consumer to whom it relates. I did not give Equifax any written consent to furnish these alleged inquiries onto my consumer report, no consent is identity theft. I've attached a copy of my identity theft report with the inquiries listed on it. I need the following inquiries blocked and removed. 

1. XXXX XXXX XXXX- XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX, XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XX/XX/XXXX 7. XXXX XXXX XXXX XXXX XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX- XX/XX/XXXX 12. XXXX XXXX XX/XX/XXXX 13. XXXX XXXX XX/XX/XXXX 14. XXXX XXXX XX/XX/XXXX 15. XXXX XXXX XX/XX/XXXX 16. XXXX XXXX XXXX- XX/XX/XXXX 17. XXXX XXXX XX/XX/XXXX 18. EQUIFAX MORTGAGE SOL- XX/XX/XXXX 19. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am submitting a formal complaint against Cash App ( Block, Inc. ) regarding poor customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Cash App failed to implement timely and effective measures to prevent or address fraudulent activity on their platform, leaving my account exposed and unprotected. Additionally, their dispute resolution process was both unfair and misleading. They failed to comply with the error resolution
requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. As a result, I have experienced considerable inconvenience and financial loss, and I am seeking appropriate resolution for these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in complete distress due to the credit bureaus violating my right to privacy, and reporting the companies listed in this complaint without my written permission, written consent or written instructions. I have not at any time provided the credit bureaus or the companies listed in this complaint with written permission, written consent or written instructions to report these items on my credit reports. They are breaking the laws set in place by the Fair Credit Reporting Act. They have broken the following Fair Credit Reporting Act laws : 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 : States a consumer reporting agency can not furnish an account without my written instructions Their violations have caused me to be denied credit, denied the right to purchase a home, declined the right to lease an apartment, denied business loans, denied employment, and denied insurance. Their violations have also caused me distress and embarrassment. These violations must end now. I would like each of the following companies deleted from my credit reports immediately : XXXX XXXX {$990.00} # XXXXXXXX XXXX XXXXXXXX {$350.00} # XXXX, XXXX XXXX XXXX XXXX {$5400.00} # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} # XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX