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

XX/XX/XXXX : -When applying for credit cards, I was denied by multiple lenders. These lenders stated were not able to verify my credit/identity information because they could not access my Equifax/XXXX Credit Report. 

-I attempted to access my Equifax/XXXX credit report online, but was unable to access it, despite answering all identify verification questions correctly. 

-Equifax/XXXX required me to request my credit report by mail, and asked me to send sensitive personal information via mail. 

XX/XX/XXXX : -I am still unable to access my credit report online with Equifax and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Credit reporting or other personal consumer reports

Notice to Agent Notice to principal Notice to CFPB In the matter of the listed items below on the credit file please accept this as a formal notice. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Alleged accounts : XXXX XXXX XXXX XXXX  ALLEGED ACCOUNT # XXXX Address : XXXX XXXX XXXX XXXX, XXXX  Alleged Inquiries : XXXX XXXX XXXX XXXX XXXX  Please delete and block items listed above in the next 3 days Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

CLOSED ACCOUNTS NOT MINE ASK FOR MY SSN... XXXX XXXX XXXX XXXX XXXX account # ... XXXX XXXX XXXX XXXX account # ... XXXX XXXX. XXXX, XXXX XXXX account # ... XXXX XX/XX/2016 XXXX XXXX .... XXXX XXXX, 2016 XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX.. XXXX XX/XX/2016 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
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 your receiving this complaint. The fraudulent, inaccurate, and false information consists of a personal car loan account opened at XXXX/MAZDA FIN SV  on XX/XX/2020 under the account number ( private ), and a personal car loan account opened at MAZDA FINANCIAL SERV and MAZDA FIN SV on the same date under the accounts numbers ( private ). These accounts have led to several fraudulent hard inquiries and unauthorized collections appearing on my consumer XXXX credit report. I have attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the mentioned accounts, collections, or hard inquiries as reported. They were not opened, made, or initiated by me. All of the mentioned accounts, collections, and hard inquiries are a result of identity theft and fraud. As proof, I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) from the US Federal Trade Commission, indicating that all these consumer credit accounts, collections, and hard inquiries are linked to identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I no longer have an outstanding balance with credit acceptance and the company is still reporting that theirs a balance with them i would like for this to be investigated properly after the company investigation I would like for that item to be removed immediately Sincerely XXXX XXXX thanks
Product: Credit reporting or other personal consumer reports

I'd verification company like plaid and other I'd software won't allow use of XXXX  ID as a approved I'd its issued by a XXXX government and this is another barrier in place to keep XXXX  XXXX  in poverty and needs to be addressed and fixed nationwide if not I will file a class action lawsuit and take this act of discrimination to the Supreme Court
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX on or about XX/XX/XXXX on Transunion. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX  credit report and Experian credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is my name.
Product: Debt collection

I have some delinquent taxes owed and they were placed with a collection agency Keith D Weiner and associates. I asked for a printout of the balances owed for the years I owe back taxes to. I requested it on XX/XX/XXXX and received it about 4 days later.I looked over the documents and found that they basically doubled what I owed. Tax year XX/XX/XXXX I owed XXXX then after everything was said and done It went to XXXX. It says court costs, attorney fees and even pre placement interest. This is the same for tax years XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX. This is outrageous. For tax year XX/XX/XXXX I had the XXXX down to XXXX and then it went up to XXXX they claim court costs at XXXX times 2 .... They tried to garnish my wages 3 times and they were unsuccessful due to me not making enough money. I don't know why they are charging attorney fees when I only talked to their attorney once and that was back in XX/XX/XXXX. This company is a scam and their collecting practices are ridiculous. I will scan the papers I have to document that what im saying is true. I would like to add that they are charging interest instead of 30 % right off the top its charging every month
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXXXXXX XXXX XXXX XXXXXXXX ....
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing in response to recent allegations of fraudulent accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX After a thorough investigation, I can confirm that I have no knowledge or involvement in such activities.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I did not authorize anyone to use my personal information and credit cards to make transactions with this company. This account should stop and block furnishing information to any credit reporting agency immediately.
Product: Credit card or prepaid card

I had a balance transfer offer from a Bank of America credit card. That's why I did the balance transfer, and I also have regular purchase transactions with the same card. The bank keeps charging interest on the purchase, although I pay in full every month. Sometimes the interest is more than the purchase amount. I have credit cards from other banks too. I never experienced this with another bank.
Product: Debt collection

XXXX and XXXX is trying to collect a debt I have with American Express. They claimed to have sent several letters. I received one. I attempt settlement. They asked for a large lump sum when I said I couldnt they offered a large monthly payment. They said they would sue me, take my home, garnish my wages, call my employer and seize my accounts. They told me to sell my things and clear my bank to pay them. I was told they would ruin my credit if o didnt come up with the funds. 
I have been working with a settlement company who told me they would help. XXXX will not speak or deal with them. I have had horrible stress and illness due to their tactics. 
I was served papers on XX/XX/2019. I responded XX/XX/XXXX. 
XX/XX/XXXX notice of submission was sent. 
I have a court date on or after XX/XX/XXXX. I have yet to receive anything for my review as I can not access my accounts.
Product: Mortgage

My mortgage is serviced by BSI Financial Services. I have no missed or late payments in the history of my loan. In XXXX, XXXX, my debt to equity fell below 80 %, and I requested PMI to removed. My request was denied. I submitted a second request in XXXX, XXXX, and I was told that it was also denied although my debt to equity was below 80 %. 

I have contacted BSI several times, and the associates tell me that they are confused why the PMI department denies my request because my debt to equity ratio is below 80 %. The original appraised value was {$250000.00} and my current principle balance is {$200000.00}. Reasons I have been told by BSI associates that my requests have been denied are : * Debt to equity computation is determined on " sale price '' not appraised value *I would not be able to request removal of XXXX based on my closing documentation. ( Note : this is not true. In my closing documentation, it states that based on the 'initial amortization schedule ' I would be able to request removal in XXXX. However, I have been make additional principal payments and I was eligible to remove it XXXX, XXXX. ) *The home appraisal needs to be less than two years old.
Product: Credit reporting or other personal consumer reports

I have requested all information regarding the said issues Equifax told me was going on with my credit file since they referred my file to their Consumer Affairs department. and They have not sent me anything. I have also called in several times trying to resolve the said issues and they are trying to force me to mail the same information I already have on file that I have confirmed verbally. I just want my access back to be able to lift and place security freezes back on my credit files online. and I also want them to send me a break down of what's going on with my credit file to cause this to happen. especially since they are saying it was a discrepancy with my information that's being reporting to them by whomever other than me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the XXXX Credit Bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were erroneous items on my credit report which are misleading to me. I sent a letter to the XXXX credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, XXXX and hoping that these accounts will be updated. 


XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$13000.00}
Product: Debt collection

Before COVID-19 happened my fiance and I were set to go to tenant court for repairs that our landlord failed to make on an apartment unit we were renting. We had code enforcement officers come out and issue tickets and notices to the company to make repairs that were never fully completed so we found a new place to live and moved away. The court date we had got cancelled due to to the pandemic as well as the eviction moratorium so we were unable and still are unable to settle this matter in front of a judge. I asked the creditor for confirmation of the debt and was sent a final bill which had the past due rent amounts listed which is not conformation of any kind of debt owed as part of our lease agreement was that the unit we were renting would be livable up to code which it was not. I attached pictures which we have many many more of as well as a chronological timeline of everything that happened.
Product: Credit reporting or other personal consumer reports

I WOULD LIKE TO DELETE THIS NEGATIVE ACCOUNTS ON MY CREDIT REPORT. 

EQUIFAX : XXXXXXXX XXXX XXXXXXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$190.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX : XXXX XXXX Date of inquiry : XXXXXX/XX/XXXXXXXX XXXX XXXX Account Number : XXXX {$190.00} XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I raised an inquiry with your bank for a dispute with XXXX  for {$420.00}. Just wanted to give your bank a headsup so that later you do not come and say that you did not receive the dispute because this has happened with me before. You guys take forever to solve a dispute. I paid XXXX  using your credit card on XX/XX/2020. 

XXXX XXXX is much faster than you. If I paid the same amount using XXXX XXXX by now I would have got my money back.
Product: Mortgage

REGARDING ORIGINAL COMPLAINT XXXX ( XX/XX/20 ). DISPUTE WAS CLOSED BUT NOT RESOLVED. FOLLOW-UP COMPLAINT XXXX ( XX/XX/20 ), NOW CLOSED BECAUSE DOVENMUEHLE ADMITTED WRONG-DOING IN WRITING - BUT STILL HAS NOT REFUNDED MY {$7900.00}. 
When we received the letter from Dovenmuehle in XXXX ( attached ) FINALLY admitting to an error, clearly stating that our loan that they transferred to XXXX XXXX XX/XX/XXXX " inadvertently '' included the erroneous second lien of {$7900.00}. They were to advise XXXX XXXX that our payoff balance was to be REDUCED by {$7900.00}. But before we received the referenced letter above, and after 8 months of fighting and getting nowhere, we had the erroroneus lien rolled into our refinance loan just to get out of our high interest mortgage while the rates were low. We refinanced on XX/XX/XXXX, a day after Dovenmuelhe wrote the letter, but that we didn't not receive until a week later. It was too late to get matters settled - and now we'll be paying interest on the nearly {$8000.00} extra on our new mortgage. 
BOTTOM LINE - Dovenmuehle received our monies last XXXX to completely satisfy our mortgage and bring us current ( I had called to get the exact amount needed ). The funds were applied incorrectly, then removed, then applied, then removed - and in the end, were never applied to our loan ( per an independent audit ). Instead an erroneous second lien in the amount of {$7900.00} was created. 
RESOLUTION - Dovenmuehle MUST refund the {$7900.00} to us! That doesn't even include the 8 months of higher interest paid with them delaying our refinance because of their error! And the additional YEAR of interest had that money been put back into my IRA from where it came! 
We've tried REPEATEDLY for more than a YEAR to settle this matter with Dovenmuehle, and still it remains- they STILL have my {$7900.00} that was never applied to my loan.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I requested for TRANSUNION to do a reinvestigation of this XXXX XXXX XXXX listed on my credit report. ON XX/XX/XXXX TRANSUNION verified the account as accurate which is completely false because I have documentation showing this inaccuracy. I sent in documentation showing why this XXXX XXXX XXXX account was not accurate and demanded it be deleted but TRANSUNION refused. Since XX/XX/XXXX all civil public records to have a name, address, and a Social Security number or date of birth before appearing on credit records from the three nationwide credit reporting companies. My documentation will show that all the requirements to report a civil judgement on my credit report have not been met and they still refused to delete it. This a clear violation of my FCRA rights. I'm filing this complaint because I intend on to taking legal action in the near future.
Product: Credit card or prepaid card

Hi CFPB, My complaint history is as follows : 1. I identified a fraudulent subscription on my account. 

2. I cancelled my card number with Fidelity Visa and received a new card and a new number. 

3. After receiving a new number, prior authorizations were still granted and I was charged XXXX. 

On a side note, I just checked my card and I see thousands of dollars of fraudulent subscription pre-approvals that I am not familiar with. Many are one time charges that are set as subscriptions. The law/regulation needs to change so when a card number is changed ALL subscriptions pre-approvals are voided. Prep-approvals CAN not be more than 1 week prior to the charge. 

4. I reported the fraud. 
5. My claim was denied as they responded in 1 sentence I reviewed a service 6. I called for additional documentation they agreed to send it. It was never sent. 


I have been with this credit card vendor for years and this is my last recourse before closing my account in its entirely.
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 violated 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 accounts vulnerable and unprotected. Furthermore their dispute resolution practice 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 snd financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

On this account, the credit reporting agencies are reporting a DATE OF LAST PAYMENT on XX/XX/year>. However, the payment amount is indicating a payment was made of XXXX DOLLARS. This means there was not a payment made on XX/XX/year> and this information is INACCURATE. 

This inaccuracy affects my DATE OF LAST ACTIVITY, as well as my PAYMENT HISTORY
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.0 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 USC 1681 section 602 A 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 accounts without my written instructions 15 U.S.C 1666B : A creditor may not treat a pavment on a credit card account under an open end consumer credit plan as late for any purpose.