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

I pulled all three of my credit reports and saw that there were multiple inquiries that I didn't authorize. XXXX, XXXX and TransUnion have these listed on my report. 

Lentegrity - XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts and inquiries were open fraudulently and do not belong to me and need to be deleted asap under the law. 

XXXX XXXX XXXX Account Number XXXX Condition Open Responsibility Individual Current Balance {$22000.00} Original Balance {$25000.00} Limit XXXX XXXX  Monthly Payment {$530.00} Inquiries : XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I believe this debt is not mine. It is reporting incorrectly as opened accounts. LVNV Funding LLC {$640.00}, LVNV Funding LLC {$690.00}, LVNVFunding LLC {$2000.00}.
Product: Mortgage

My loan servicer paid summer property taxes for someone else 's property in XXXX, XXXX in the amount of {$2900.00}. I began receiving late notices and I called the servicer ( United Wholesale Mortgage ). So then UWM paid the property taxes for my own property in XXXX, XXXX in the amount of {$2400.00}. They charged my escrow account for both real property taxes -- my own property and some other person 's property -- and then they charged me the late fee from the city clerk 's office, even though it was UWM 's own mistake that the taxes were paid late. When UMW did the escrow analysis, they charged me for XXXX summer taxes twice -- literally, they are charging my escrow account {$2400.00} two times in XXXX. My escrow payment doubled. They need to reimburse my account for the {$2900.00} that they paid for someone else 's real property taxes, they need to reimburse me the late fee, and they need to re-do my XXXX escrow analysis with only ONE summer tax. These people are XXXX
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep frustration and dissatisfaction regarding the persistent challenges I have faced in attempting to rectify a charge-off account listed on my credit report through Credit Bureaus . Despite numerous attempts to address this matter, the charge-off entry remains, causing significant distress and negatively impacting my financial standing.

The presence of the charge-off on my credit report is both inaccurate and unjustified. I have attached supporting documentation for each attempt made to rectify this situation, demonstrating my commitment to resolving this matter promptly.

I request your immediate attention to the following matters : A thorough review and correction of the charge-off entry on my credit report.

Confirmation, in writing, once the charge-off has been successfully removed.

I understand the importance of accurate credit reporting and its direct impact on my ability to access financial services and favorable credit terms. Therefore, I expect a swift and diligent investigation into this matter.

Failure to address this issue promptly may compel me to escalate the matter to relevant regulatory authorities and consumer protection agencies. I am asking for your assistance to remove this charge off account in my credit file : XXXX XXXX XXXX XXXX Balance : {$7700.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
Product: Debt collection

I am the unfortunate victim of a fraudulent credit card being created, used, and " charged off '' to a collection agency. 

I have attempted to reach out directly to the original creditor ( XXXX XXXX ) and also the company that holds the debt now ( portfolio recoveries ) but have not made any progress after following through with requested process. 

I have tried on multiple attempts to explain the situation to them regarding the account with what little knowledge I have on the account after discovering it on my credit report a few years back.
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 Consumer 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 Regulations E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

My personal data has been breached at least XXXX times in the past 4 years. I guess, because of these data breaches I have been receiving fraudulent claims from several scam companies that allegedly I have a debt of {$110.00} with XXXX XXXX formerly XXXX. I only kept XXXX copies of these fraudulent claims I received among others from XXXX  XXXX XXXX, XXXX. XXXX, XXXX XXXX. See attachments. I received the same claim from at least XXXX different companies in the past 3 years. 

I had a chat with XXXX XXXX XXXX ) about this fraud on XX/XX/XXXX. See attachment. XXXX confirmed that I had an old account with XXXX and XXXX stated that the account was closed and written off in XXXX and that I have no debt with XXXX whatsoever and I can get any and unrestricted services from XXXX if I want. 

XXXX XXXX was the first of these scam companies, which managed to convince XXXX and TransUnion to place this alleged debt as a collection on my credit report in XX/XX/XXXX. XXXX has not put this fraud on my credit report ever. I filed a dispute with both XXXX and TransUnion on XX/XX/XXXX. XXXX removed this fraudulent collection by XXXX XXXX XXXX hours after I filed the dispute. In contrast TransUnion replied on XX/XX/XXXX that it is keeping this fraudulent collection on my credit report. I had a long chat with TransUnion about this dispute on XX/XX/XXXX. My impression is that they never read the statement from XXXX I submitted to them via their online system. The TransUnion 's agent recommended to re-submit the dispute and to file a complaint with the CFPB and the state 's Attorney Generals office, which I have done.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been over 6 months that Capital One has changed off credit card account and has not yet sent me a 1099C. I am asking Capital One to CEASE AND DESIST from reporting income as debt on my credit report. Also I'm revoking any and all Power Of attorney allowing Capital One of reporting my nonpublic financial information to third parties Corporation, and nongovernment agencies.
Product: Mortgage

I have a title problem and I have request that Ocwen sent me original copy, this request was made on XX/XX/2018. I had hope to have received this document by now.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am writing to file a complaint about my account being repeatedly frozen without notice. The initial freeze left me unable to pay bills, receive wages, or access my funds. When I contacted the bank, I was not provided with a clear explanation and was directed to call a third-party number. I was asked to provide extensive personal information to unfreeze my account, which I reluctantly did. 

After the account was unfrozen, it remained accessible for a time, but it has now been frozen again. I am unwilling to provide additional personal information to an external entity to resolve this issue. I feel I have been treated unfairly, and the bank failed in its duty to inform me properly about these actions. 

I still can not access my account and this financial institution has failed in communication.
Product: Credit card or prepaid card

I got an alert on my credit report that I was added as an authorized user for a Citi bank Costco credit card with a limit of {$5500.00} that I DID NOT authorize. I reached out to the credit bureau to file a dispute. Credit bureau gave me the credit card number attached to my credit report to call Citibank Costco card. I reached out to them 5 times to get some answers of how this is showing on credit report as an authorized user. Nobody will has helped resolve this. All they say to me is " I can not provide any information to you because you are not the primary card holder. '' I have explained many times that this is a fraud accountant and I did not authorize it. I asked if they could freeze the acct so my credit is not being used, yet they said they can not do so and will provide any information about the accountant. I have called many times and each person has a different answer but none of them will help resolve how I connected to this. I need help shutting down this card and finding out how it is showing on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I was on my mortgage company website and thought i was being billed a late fee but when i called then a rep told me after a escrow analysis my mortgage was going to increase in XX/XX/2020. I informed the rep I could not afford to pay a higher mortgage so the rep offered an extension on my mortgage, he said I could continue paying the original amount of {$1500.00} for 3 more months instead of {$1600.00} as long as I called monthly and processed payments by phone. Later that month I discovered an error that I made, my payment was not honored but I immediately paid once I realized there was an error. Multiple reps promised fee adjustments and also confirmed my payment extension that the first rep promised. By XX/XX/2020 I got a letter stating there was a problem so I called and was told my account was past due. I offered to pay any past-due amount needed so that my credit wouldn't be impacted so that rep told me to pay {$35.00} and assured me that everything else was already taken care of. She said the XXXX was for the XXXX payment being past due and NSF and said all other fees were already removed. She also mentioned for the first time that i was not eligible for the extension that was promised to me in XXXX and told me that going forward I should pay {$1600.00}. I've asked multiple reps to have the negative report removed from my credit file sinceXX/XX/XXXX rep gave me wrong info that lead to full payment not paid which ultimately considered me past due. XXXX doesn't seem to agree with fixing my credit file. Today, XX/XX/XXXX I got an automated call that hung up on me, I called back and a rep told me I need to pay additional fees despite I have not been late or had any declined checks since the one time in XXXX. XXXX is taking advantage of me, they can't explain why I'm still getting billed more fees and won't accept responsibility for giving me wrong info. I've tried to give them several opportunities to keep this right but they ignore me. I would've just paid the {$1600.00} to avoid this terrible situation and try ro refinance later but now my credit score has dropped very low because a rep at XXXX gave me wrong info, this is not fair. I feel like they are picking on me and mistreating me.
Product: Credit reporting or other personal consumer reports

I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after XXXX  days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section XXXX ( a ), if these issues aren't investigated within XXXX  days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I XXXX have to consider legal action due to the XXXX  this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and XXXX data breach, which adds to my worries about the safety of my personal data.
Product: Mortgage

I was recently transferred to this mortgage and for days was unable to access my account. After this was finally resolved I was trying to update my payment information to make multiple payments per month. I found out there is no secure way to do this therefore costing me more in interest. They only do this via email, fax, and mail which is not a secure way to send bank account information. Since they already had my bank account information I asked if they could just update the additional payment info without me filling that out due to the security issue and the said no. When I asked if they could transfer me to someone who could they said no one could. Because I dont want to send me bank info over to a company that doesnt have security policies, a company I did not choose, this is costing me the additional interest I have to pay because I can not make the additional payment amount. This lack of security in these times is very concerning and I want to make sure you are aware as a government body so that rules can be in place that holds these companies accountable for the security they need to have regarding our bank information. 

The company is Newrez LLC DBA Shellpoint
Product: Credit reporting or other personal consumer reports

I REVIEWED MY CREDIT REPORT AND FOUND A DISCREPANCY IN MY PERSONAL INFORMATION IN THE XXXX BUREAUS XXXX XXXX AND TRANSUNION
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached history of disputes with this place/organization These are the Dispute Report Numbers which can be verified with the credit bureaus. 

Disputes go as back as last year XXXX XXXX XXXX XXXX FCRA 623 ( a ) ( XXXX ), FDCPA 807 ( XXXX ) " if the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. Therefore, a furnisher can still provide a consumers credit information that is in dispute, but it must clearly state to the credit reporting agency that the information provided is being disputed. 

They have failed to state this on any of my reports therefore violating my rights. 

No proof of ownership, late payments or any at all has been provided as proof. 

Copies of reports will be attached. 

Each report will show failure to report account under dispute as of my rights on FCRA ( a ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX FXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I am XXXX XXXX XXXX and the reason I am writing to complain on XXXX  for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 XXXX XXXX,2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
Product: Credit reporting or other personal consumer reports

1.ACCOUNT-XXXX XXXX XXXXXXXX 5 U.S CODE 1681b-PERMISSIBLE PURPOSE And -15USC 1681 a ( d\ ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Experian is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. The negative accounts have been reported without mailing me a copy of IRS form 1099-C Cancellation of Debt. Experian and the creditors reporting late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. Doing a full audit on this account because I have no received securities on the account above and only a full audit will show where they have been going and I will be taking full legal action for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete please be immediately investigate and update it on my report. 
XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$8100.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased furniture from XXXX  XXXX using the account number below. 
Re : promotional offer expired XXXX XXXX XXXX XXXX I was on time and consistent with paying my account for the past 2 years, I had financial hardships and changes in my income. I paid on time each month. When the promotion ended, I was facing family challenges that distracted me from preparing to pay the {$740.00} balance, now my current balance has increased to {$1800.00}. On XX/XX/XXXX I called the company to request a 30 day extension to allow me to pay the previous balance, they declined stating if I called on XX/XX/XXXX, they could of approved it for 30 days. The credit card customer service representative communicated that this information regarding extending the promotion was not in writing.
Product: Debt collection

Today, XXXX XXXX has called me 3 times, From number XXXX, XXXX XXXX, XXXX XXXX, and XXXX.
Product: Credit card or prepaid card

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
The account name is CAPITAL ONE balance {$450.00} account # XXXX 30 days late on XX/XX/2021 and XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXXXXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus on multiple days and advised them that I had inquiries on my credit report that I did not authorize. They told me that I would need to get ahold of the companies and dispute with them. I advised them that I have contacted the companies multiple times and they have no record. I have asked for validation of these inquiries and have not received a response. I want these inquiries off of my credit report NOW. This isnt fair to me because it may not be a big impact but there is an impact and its hurting me.
Product: Credit reporting or other personal consumer reports

I recently became aware of the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX, highlighting concerns about inaccurate credit reporting and dispute handling. Unfortunately, I believe I've been directly affected by XXXX 's practices. Despite my earlier dispute, I received a response stating that the accounts were " verified. '' However, I strongly disagree with this outcome and believe that XXXX 's investigation was inadequate. The CFPB lawsuit reinforces my concerns about XXXX 's handling of consumer disputes. I'm requesting that you re-examine my dispute, considering the new information and the CFPB 's findings. 

Would you like to be apart of the lawsuit