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

I, XXXX XXXX XXXX XXXX, am lodging a formal complaint with the Consumer Financial Protection Bureau regarding identity theft perpetrated by former employees of my company. XXXX XXXX XXXX and XXXX XXXX XXXX, who were both employed by my company " XXXX XXXX and XXXX XXXX XXXX '', utilized my personal information to commit fraud, causing significant financial harm and distress. Both individuals have been terminated from their positions due to their actions, which have resulted in substantial losses to my company. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Contact Number : ( XXXX ) XXXX These unauthorized actions have not only resulted in financial losses but have also caused immense stress and disruption to my personal and professional life. The fraudulent activities conducted by XXXX XXXX XXXX and XXXX XXXX XXXX have severely impacted my trust in financial institutions and my sense of security regarding my personal information. 

Recent Developments : XXXX XXXX XXXX was recently apprehended in XXXX by the XXXX Police Department, and some information was reportedly recovered. However, XXXX XXXX XXXX was apprehended by the XXXX XXXX, GA last XXXX, and no information was recovered.
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts must be removed immediately, ( 1 ) CXXXX  XXXX, ( 2 ) XXXX XXXX, ( 3 ) XXXX XXXX, ( 4 ) XXXX XXXX, ( 5 ) XXXX XXXX XXXX, ( 6 ) XXXX XXXX XXXX , ( 7 ) XXXX XXXX XXXX XXXX , ( 8 ) XXXX XXXX , ( 9 ) XXXX XXXX . 15 USC 1681Section 602 ( a ), states I have the right to privacy, 15 USC 1681, Section 604 A2, also states that a consumer reporting agency can not furnish a 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 other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. Lastly, 15 USC 1681 s-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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit reporting

I contacted Equifax to dispute an unauthorized inquiry from XXXX. Equifax refused to dispute and after a complaint against XXXX, XXXX indicated they sent a letter to Equifax to remove the inquiry and it still has n't been removed. I attached the letter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at my current address for more than a year and 3 months. I applied for credit at a retail store and received a letter from the underwriting bank that my address is incorrect and, as such, the bank would not make a decision on my application. 

Why aren't credit bureaus required to update their records on a timely matter and allowed to affect one 's credit by their negligence to do so?
Product: Checking or savings account

My daughter XXXX XXXX helped me open a checking account at navy federal. But they wont let me have any access to my accounts or money! And my daughter transferred all my money out! To her account leaving me with no money amd on now homeless she also turned off my cell phone took my insurance money for my car! My daughter XXXX will not let me have any of my money! Please help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax, and the XXXX XXXX XXXX is reporting inaccurate information on my consumer report and they refuse to remove the inaccurate information which is a violation of the FCRA. They are reporting account XXXX XXXX XXXX on my consumer report and i have no knowledge of this account. I've sent numerous letters to XXXX and Equifax asking them to remove the account, but they keep stating the account has been verified without sending me any information on how and who verified this account. If this account is not remove immeditely i will be forced to file litigation against all 3 companies. Also As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality and a respect for the consumers right to PRIVACY. They have violated my privacy which can be considered identity theft. They do not have a permissible purpose to furnish my consumer report. I did not give you any written instruction to do so. This is also a violation Under the FCRA, 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of reports.
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX, IA XXXX Subject : Dispute and Correction of Personal Information on My Credit Report Dear CFPB, I am requesting an immediate investigation into the inaccurate personal information reported on my credit files with Experian, XXXX, and XXXX. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I have the right to dispute any incorrect, incomplete, or outdated information on my credit reports and request corrections. The credit bureaus are required to maintain accurate and up-to-date consumer information, and failure to do so is a violation of the law.

The only Personal Information that should be displayed on my report. 

Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Telephone : XXXX Legal Violations and Basis for Dispute : FCRA 15 U.S.C. 1681c - Accuracy of Consumer Reports : Credit bureaus must ensure that consumer reports do not contain inaccurate, outdated, or incorrect personal information.

FCRA 15 U.S.C. 1681i - Duty to Correct and Update Information : Credit bureaus must investigate and correct any disputed personal information within 30 days of receiving a dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent in my dispute letters on XX/XX/2023 I haven't receive no response i sent in my SSC and ID I have unverified inquiries on my report that is hurting my credibility to get more credit Im asking can you please fix the problems on my credit report i will like for it all to be deleted.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting on XXXX Account Dear CFPB, I am filing a formal complaint against Equifax for failing to correct inaccurate information regarding late payments reported on my credit report for the XXXX account ( Account # XXXX ). Despite prior dispute attempts ( letters dated XX/XX/XXXX and XX/XX/XXXX ), Equifax has not corrected the errors, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Inaccuracy : High Balance : {$200.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Payment Status : Late 60 Days Creditor Remarks : Closed or paid account/XXXX  balance ; Account closed by credit grantor Evidence of Discrepancy : The reported late payments for XXXX and XX/XX/XXXX contradict my financial records. These errors are unjustified and damaging. 
Legal Violations : FCRA Violations : Failure to ensure accuracy in consumer credit files ( 15 U.S. Code 1681i ). 
Failure to notify and adhere to proper payment cycles ( 15 U.S. Code 1666b ). 
TILA Violations : The inaccurate reporting undermines the purpose of the Truth in Lending Act to ensure transparency and fairness. 
Desired Resolution : Immediate removal of the late payment notation from my credit report. 
Written confirmation of the correction. 
If this issue is not resolved, I will escalate my complaint to the CFPB and pursue legal action if necessary. 
Sincerely, XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I Am filing a complaint against Cash App ( Block , Inc ) Due to incomplete customer service and unfair issues, that violates the CFPA ACT.Which is Consumer Financial Protection Act. Cash App failed to address the issues involving fraud to prevent and address matters of fraud & violations on their platform. Which led to my account being compromised and unprotected. Their dispute process was unfair and no answer were answered. They did not comply with the policies under the Electronic Fund Transfer Act, as well as Regulation E.This has costed me a significant loss and funds & services. I wish to seek the appropriate address to address these issues regarding my financial loss and services for the violations.
Product: Credit card or prepaid card

Over the past 14 months since I opened the card, I have tried to solve this problem by calling the customer service number at least 5 times. I received a letter in the mail that was a promotion for the XXXX XXXX MasterCard through USBank. It had an application number and I typed it in on the website and filled out the application. Originally, it said I was denied on the website, but then a few days later I received the card in the mail. The promotion was detailed on the application I received in the mail and it was that if I spend at least {$500.00} in the first 30 days of account opening, I would receive {$150.00} statement credit. The fine print said to wait 6-8 weeks for credit to be applied. I spent well over {$500.00} the first month and after 3 months went by, I started getting suspicious. I called them and they only gave me the run-around when I called them. First they say you need to call XXXX XXXX and give you an old nonfunctional number. Then they say they will call you back, then they say they can give me {$30.00}. This latest call from XX/XX/19 was the most helpful because they submitted an information request and I received a letter in the mail that basically says they won't give me anything until I show them proof of their promotional offer. I feel like they are legally required to have such documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX/Experian/XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and noticed a lot of unauthorized and incorrect inquiries.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX of 2023 I was notified of hard inquiries on my credit report from a company by the name of XXXX, they had put hard inquiries from XXXX XXXX XXXX, XXXX, XXXX. And Capital One auto finance. On XX/XX/year>. I have never dealt with the company XXXX, they did a 60 day investigation and they sent me a letter on XX/XX/XXXX of 2023 showing identity theft was proven and that they would have the hard inquiries off of my Credit report.. I was told that I would have to go back to the company 's of XXXX and XXXX and a fraud or identity theft report which was all that was already done And sent to XXXX XXXX XXXX. They asked me if XXXX XXXX XXXX was off my report and I said yes, it was, but they put other hard inquiries on my report which was not me. Proven by the identity theft report that was sent by the investigation done by XXXX. I got a letter today on XX/XX/XXXX, from XXXX XXXX stating that I would have to get in contact with XXXX because they are the ones that put the hard inquiry request to XXXX XXXX, so it's gone in a circle back-and-forth. All I ask is for XXXX to remove the 2 inquiries from XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX On XX/XX/year> and the XXXX. Report of Capital, one auto finance on XX/XX/XXXX of 2023 thank you. I also did a XXXX XXXX XXXX complaint of XXXX.XXXX  XXXX, XXXX Capitol one Auto Finance XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXXXXXX XXXX Debt Bondage and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following 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
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX FIN Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account XXXX : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX
Product: Debt collection

The company called and I spoke with an agent and had a adequate resolution. I forgot the name of the company because it is the first time I had heard the name. It's a 3rd party contacting me for XXXX. When I called right back the lady XXXX that answered refused to tell me the name of the company. She then was rude and hung up on me. I had to call again to find out the name of the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Affirm numerous times about showing late payments on my credit report when they are PAID IN FULL! I have loan documents showing all paid in full!!
Product: Mortgage

I have experienced multiple service related issues with my current mortgage holder. They begun with a refinancing process that was completed on XX/XX/2020. 

The refinance was completed with XXXX XXXX XXXX XXXX XXXX Their contact information is : XXXX XXXX XXXX XXXX XXXX XXXX 
NMLS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The refinance was completed for a loan amount of {$280000.00} which was inclusive of the following : 1. {$6700.00} in closing costs ( including funding of the escrow account ) 2. - {$450.00} in prepaid closing costs 3. {$270000.00} in loan payoff. 

Since at the time of refinancing, the loan balance was {$270000.00} and the loan payoff amount exceeded that, {$1300.00} was applied as principal reduction to borrower. This is indicated as such in section ( K ) of the closing documents. 

Soon after refinancing on XX/XX/2020, the loan was sold to 'NewRez '. The contact information for NewRez is : NewRez LLC NMLS # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX PA XXXX XXXX NewRez failed to do the following : 1. Apply the first mortgage payment in a timely manner ( the payment in the amount of {$4000.00} was made on XX/XX/2020 but was not credited till XX/XX/2020 ). Thus, the outstanding loan amount that accrued interest was higher for more than 30 days. 
2. Failed to reflect the correct loan balance of {$280000.00} - {$1300.00} XXXX principal reduction as explained above ). 
3. On XX/XX/2020, NewRez failed to make a payment to the homeowner 's insurance provider : XXXX XXXX which resulted in a cancellation of the policy due to non-payment, and subsequent attempts to reinstate the policy have resulted in a rate increase from {$410.00} ( per year ) to {$660.00} ( per year ). 

Several attempts have been made to contact NewRez to resolve these issues and the only notification received thus far is a request for additional time from NewRez to resolve this issue.

NewRez was first approached on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, NewRez was provided with all relevant documentation : Copy of the check that indicated the loan payment of {$4000.00} referenced above in item ( 1 ), Closing documents that reflected the accurate loan balance, referenced above in item ( 2 ). 

This information was sent again on XX/XX/XXXX at the request of NewRez.

It has now been over 90 days since the first time NewRez were approached to resolve this issue, and yet, no development has occurred. Additionally, I have to reinstate the homeowner 's policy and pay the premium out of pocket in order to maintain coverage.
Product: Vehicle loan or lease

I have been with American Credit Acceptance for my car loan for 25 months, out of those 25 months I had 4 late payments in which I reached out to the company to make a payment plan or get assistance due to the corona virus pandemic. American Credit Acceptance told me over the phone there was nothing they can do, even though we are in a global pandemic and I have XXXX children. These four late payments are from XXXX, XXXX, XXXX and XXXX of XXXX, in which each late payment was individual not consecutively four months straight. The car payment was still made every single month just late. Prior to XX/XX/XXXX and after XXXX of XXXX I have not had a single late payment. My loan original date started in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Section 15 USC 1681 XXXX XXXX # XXXXXXXX XXXX # XXXXXXXX XXXX  XXXX # XXXXXXXX XXXX # XXXX XXXXXXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXXXXXX XXXX XXXX. 

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 information is inaccurate.
Product: Checking or savings account

Between the dates of XXXX the scam artist posed as an associate of a legitimate lending company called XXXX XXXX. 

He goes by XXXX, he had an XXXX accent and was calling from this number : ( XXXX ) XXXX For the last few days he had made unauthorized deposits to my account and then up until XXXX days earlier I realized he was a fraudster so I blocked his number and alerted the real lending company of the fraud also as well. 

So now my bank believes that Im the one that is defrauding them when I didnt make the deposits