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

I recently reviewed my credit report and found unauthorized inquiries. 

I have already contacted the creditors below and they have not provided me with any proof that I initiated such inquiries, nor provided me with written authorization or any permissible purpose. Since they do not have my authorization, written nor verbal, I ask that you DELETE these unauthorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

As you know, according to Section 604 of the Fair Credit Reporting Act, Permissible Purposes of Consumer Reports 15 U.S. Code 1681b, Subsection ( a ), the below creditors have not demonstrated any allowable permissible purpose - and any consumer reporting agency may furnish a consumer report under those circumstances and no other.

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unauthorized inquires that I did not consent. 
Improper use of my credit. 
Fraudulent accounts or charges appear on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

WE ARE VICTIMS OF ID THEFT AND FRAUD. WIFE FILED FOR BR IN ORDER FO THE BR COURT TO INVESTIGATE THE FRAUD. BRC REFUSED TO INVESTIGATE THE FRAUD, THE CLOSING ATTORNEY WHO STAGED A FRAUD CLOSING IS IN FEDERAL PRISON DUE TO DEFRAUDING CLIENTS AND MORE. 

IT STARTED WITH XXXX XXXX XXXX XXXX WHO CHANGED THEIR NAME TO XXXX AND NOW XXXX. NEVER RECEIVED A LOAN FROM XXXX XXXX XXXX XXXX. WE RECEIVED DOCUMENTS FROM THE ATTORNEY AS IF WE DID. WE BEGAN PAYING XXXX XXXX XXXX XXXX IN 2004. 

WE WERE NOTIFIED OF THE ID THEFT AND ID FRAUD FROM A FEDERAL AGENCY., THE TRUSTEE ASSIGNED TO MY WIFE ABANDONED ALL OF THE RESIDENTIAL AND COMMERCIAL PROPERTY BECAUSE HE AND THE JUDGE BOTH WERE AWARE OF THE FRAUD ON EACH PROPERTY TAKEN OUR BY OTHERS. 

THE TRUSTEE BASICALLY STOLED EVERYTHING. RATIONALE WAS HE WAS LIQUIDATING TO COVER OUTSTANDING DEBTS. WE DID NOT WVEN HAVE OUTSTANDING DEBTS AS HE DOCUMENTED. 

XXXX IS STATING ON THE CREDIT BUREAU WE ARE PAST DUE 180 DAYS, THIS IS NOT TRUE. 


REQUESTTING ALL PAYMENT HISTORY AND DOCUMENTS FROM XXXX FOR REFERNCED ADDRESS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX THE CLOSING ATTORNEY AND SELLERS WHO HAVE BEEN REPORTED TO THE FEDERAL AUTHORITIES TOOK OUT 3 TO 4 LOANS ON THE SAME DAY FROM H AND R BLOCK IN 2004, ATTACHING THE NUMEROUS 1098 '' S. THE AMOUNT OF THE HOME IS EVEN INCORRECT. THE COST IF THE HOME WAS XXXX.
Product: Checking or savings account

Ally Bank recently placed a restriction on my account stating that my account was overdrawn repeatedly. 

The most recent overdraft was caused by XXXX XXXX. I paid my credit card bill that was due on XX/XX/21 on XX/XX/21. XXXX XXXX went ahead and processed by auto pay scheduled for XX/XX/21. 

Ally Bank emailed to about this overdraft and stated that I need to bring my account current within 10 business days, else, they will place a restriction on the account I deposited a check into the account within the given time, however, a restriction has been placed on my account. 

We ( XXXX XXXX XXXX ) believe this is a mater of discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to open an saving and checking account. Once the XXXX report was complete I was denied. I requested a copy of the report. The report indicates that XXXX XXXX XXXX XXXX reported account abuse on XX/XX/2018. The issue is that I have never opened an account with XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I would like to have this account verified in accordance to identity theft and or fraud regulations. Please remove this negative inaccurate information from my account. Thank you for the investigation and your time. 


Blessings
Product: Credit reporting or other personal consumer reports

As per the Fair Credit Reporting Act ( FCRA ) Section 622, child support payments are not considered debts subject to reporting on consumer credit reports.Upon reviewing my credit report, I noticed that child support payments are listed, which is inaccurate and misleading. These payments do not constitute traditional debt owed to a creditor, but rather an obligation to support my child. Therefore, their presence on my credit report is not in compliance with FCRA guidelines.I kindly request that Experian investigate this matter and promptly remove the child support payments from my credit report in accordance with FCRA Section 622.
Product: Credit reporting or other personal consumer reports

There are 2 hard inquiries thats inaccurate on my credit report. Under the XXXXair Credit Report Act this is violating my right s because it doesnt belong to me. These 2 account an are violating my consumer protection right of Privacy. 

XXXX XXXX XXXX XXXX  XXXX XXXX is not mine delete it XXXX  XXXX XXXX  XXXX XXXX is not mine I need this removed According to the 15 USC 1681 this is illegal and in accurate I need it removed immediately
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation on disputed information on my Credit report leaving inaccurate or unverifiable accounts unresolved. the consumer Financial protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues Such as failing to foward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these Failures align with my experiences, Where Experian has neither corrected or removed disputed items despite the evidence provided, causing ongoing harm to My Credit standings. I am requesting immediate corrective action to remove or amend the disputed accounts. as Experians inaction violates federal law and my rights as a consumer
Product: Credit card or prepaid card

I believe Chase Bank in adjusting the credit limit on my card did ultimately was racially motivated and did so without a full and thorough review of the account. Over the course of the 5 plus years of being a Chase customer their listed reasons for reducing my credit limit have been in play but yet they never reduced my limit previously. I believe Chase may have a practice of reviewing the accounts of minority customers and making these adjustments randomly with no consistent usage of their own internal rules.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX, Missouri Laws Dear ACCT RES CRP, I am writing to address the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), and identity theft laws, specifically the Missouri Revised Statutes Chapter 570.

It has unequivocally come to my attention that ACCT RES CRP has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Missouri state law emphasizes the necessity of consumer consent for credit reporting. Furthermore, Missouri Revised Statutes Chapter 570 establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity theft laws underscore the severity of unauthorized access and misuse of personal information.

I assert with unwavering certainty that I have not provided consent for ACCT RES CRP to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws.

I demand that ACCT RES CRP immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri Revised Statutes Chapter 570. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity theft laws.

Obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting.

I anticipate your immediate attention to this matter and expect that ACCT RES CRP will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith. 

Sincerely, XXXX XXXX
Product: Credit card

On XX/XX/XXXX, I paid {$220.00} for a car rental reservation through XXXX using my XXXX card. The purchase was made via PayPal. The car rental was for a trip to XXXX XXXX XX/XX/XXXX - XX/XX/XXXX. 
On XX/XX/XXXX, I called XXXX to cancel the reservation because I was no longer able to make that trip. XXXX refused to reimburse me saying that the reservation is non refundable. So, I contacted PayPal who investigated the matter. On XX/XX/XXXX, PayPal denied my case. I protested the decision and they told me that they would follow-up. Weeks later, after no response, I called them and they said that they can't help me. 

I think that it is unconscionable that I must pay for a car rental that I never used. Neither XXXX nor the rental company have suffered any loss or harm by my cancelation XXXX months early. 

Reservation # : XXXX
Product: Debt collection

For the last year or two I have been getting repeated calls, emails, and debt collection from XXXX XXXX XXXX/XXXX. They are saying that I owe {$410.00} for service I had with them. I have stressed to them over and over that Ive never opened up an account with their company or never stayed at the address that was provided on file where the service was installed and used. This has become a problem because they keep issuing out the same collection under different agencies for the same revolving amount of {$410.00}. I have sent in documents and disputed the files online through XXXX  but they always come back under a different agency. Also, Ive even went to there website and filed out an affidavit and sent it to the office back in XX/XX/2020, but received no response if the documents had been received on their end { XXXX XXXX XXXX XXXX associated with XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I continuously dispute 2 of the collections on my account. Provided documentation that the account I have was paid off and cancel but for some reason the debt collector XXXX XXXX XXXX thats collecting for XXXX XXXX is saying I owe {$630.00} and XXXX XXXX XXXX stating I owe {$720.00} which is fraudulent. I contacted XXXX XXXX directly and asked if I owed anything or do they see any old accounts in the system. She did a through investigation and check with My personal information looking for this information. She was able to pull up my old account but it was showing paid by me. She even sent out a bill copy that was requested in her back office to get this sent out to show I didnt owe anything and everything is good. The only account I have thru XXXX XXXX XXXX is XXXX and XXXX XXXX XXXX ... No XXXX XXXX. The old Accounts I had with direct tv at different addresses showed I transferred service and no balances. Sent my documents in to all 3 credit bureaus and seem like they look at the other credit bureaus and say its accurate. I even requested documentation and dates which the credit bureaus dont ever send to me. Now at one point it was remove 2 years ago and than added back this XX/XX/2020. The debt collector XXXX XXXX XXXX XXXX XXXX XXXX also popped up on my report in XX/XX/2020 as a new account. I disputed this one as fraudent a couple years ago and they deleted but it came back up in XXXX as a new account they XXXX XXXX. I never had no account with XXXX XXXX and havent borrowed or got a pay day loan for no amounts. For me to get a mortgage loan I had to forcibly settle with this unknown company because the credit bureaus wouldnt take it off my report. I asked also for documentation and dates and etc. even these so call late paymentS and no one will send me anything! Im sick and tired of fighting back and forth with these unknown companies and credit bureaus that I had to make a complaint and on top of that wasted money that could of been on my children. Police Report was made with XXXX XXXX in Texas for fraud and stolen items. Report number XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX XXXXXXXX Charge off XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} - Collection XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$32000.00} - Charge off
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with NetCredit and didnt understand the ( interest charges/Monthly service fees ) They are charging {$360.00} a month for service fees
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I contacted my mortgage company, Bank of America, back in XXXX advising I was having financial difficulty due to COVID-19. I was placed on a special forbearance for XXXX, XXXX, and XX/XX/2020. BOA advised via written correspondence they would contact me near the end of the forbearance to discuss options. In XX/XX/2020, I received additional correspondence advising BOA was unable to contact me and therefore they are extending my forbearance for an additional 90 days. To my knowledge, BOA never attempted to contact me. On XX/XX/2020, I contacted BOA to advise I was able to resume normal monthly payments as of XX/XX/2020, however was unable to bring the account current and requested options. BOA advised that my only options, offered by XXXX were a repayment plan or a loan modification. My understanding is that XXXX is offering a deferment option to all its customers and therefore BOA is incorrect in not offering me the deferment option.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have confronted XXXX  and TransUnion numerous times with the facts that these old, out of date, incorrect addresses keep appearing on my credit report, and that they need to be removed permanently from my credit report immediately. They fail to comply with my demands as these addresses are tied to old, out of date, closed and paid accounts that are past the statute of limitations for listing on my credit report. I have also requested that any old, out of date, paid in full, closed accounts be removed from my credit report immediately, because they are tied to these old addresses. I have provided XXXX, XXXX and TransUnion my current, correct address several times but as you can see in the enclosed documents, TransUnion fails to list my address correctly, and XXXX lists a XXXX XXXX XXXX XXXX address for me still. I want all of these old addresses wiped from their files permanently!
Product: Credit reporting or other personal consumer reports

After being told by an auto insurance agent that I was involved in an auto accident in XXXX of XXXX, which I was not, I reached out to LexisNexis to secure a copy of the report the insurance company was referencing. The report showed another person/familys name, phone numbers, vehicles, addresses, and driving history. I submitted a dispute via phone call with LexisNexis and the agent informed me all was corrected and I would receive a copy of the corrected report. I never received a copy, and the accident still appears in my record, which lets me know everything wasnt resolved. I requested another report from Lexis Nexis in XX/XX/XXXX, and have yet to receive anything.
Product: Credit reporting or other personal consumer reports

Equifax failed to properly dispute payment history being reported accurately from all closed accounts on credit report and hasn't been reporting me as an authorized user with XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

As the pandemic was unfolding, the need to extra cash was heightened. 

I have seen offers before from Barclay 's for balance transfers. This offer, I should have read more closely, a FEE and 15+ % interest. 

While others are providing some type of help, I believe this was predatory and this company has clearly taken advantage of a world pandemic to increase their bottom line.
Product: Checking or savings account

This issue has been going on since XX/XX/XXXX. The first representative filed the issues as a dispute and not fraud, so I was never issued a new debit card. After months of phone calls and a CFPB dispute it was reopened as fraud but only the {$250.00} was reopened as fraud. The {$110.00} was not reopened as fraud and now has been sided against me because they redid it as a dispute a 2nd time. 


First dispute case : XXXX XXXX XXXX 2019 {$110.00} first case Charge # 2 XXXX {$250.00} XX/XX/2019 The {$250.00} is now a fraud case # XXXX The {$110.00} provisional credit will be removed from my account on XXXX XXXX 2019. 

This is absolutely absurd. I have called USAA so many times I have lost track. I just want this issue taken care of
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. Their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience, irreversible risk to my cyber security and financial loss, I seek appropriate redress and compensation for these violations of my data security and rights.
Product: Credit card

I made a purchase on the internet website that later turned out to be a fraudulent site. It was a purchase for some bags and the bags were never delivered to me, so I proceeded to dispute the charge of {$75.00} which I made on XX/XX/2023 from a merchant called XXXX but the website was called XXXX  Prior to submitting a dispute with the Barclays Bank I tried to resolve it with the merchant via emails, which never went anywhere and the issue was never resolved. I submitted all the proof of correspondence between me and the merchant including images from the site that it doesn't even exist anymore, yet the Barclays Bank sited with this fraudulent merchant instead me the consumer and failed to protect me from internet scams. I am asking for your assistance and resolving this issue with the bank, that failed to protect me.
Product: Mortgage

I never received my XX/XX/2018escrow refund, even though Atlantic Bay claims they gave it to me. This amount is {$510.00}. This check needs to be reissued, since my escrow account falsely shows this check to have been deposited, when in fact it was not.
Product: Debt collection

Spoke with XXXX XXXX at Portfolio Recovery to resolve credit card debt in XXXX. Payment arrangement of {$450.00} was set to start XX/XX/XXXX and final payment was made on XX/XX/XXXX.  I've spoke with XXXX at this company multiple times since the final payment requesting that they remove paid debt from my account and no action has been taken. I've tried to dispute the debt and the company has denied to remove the bill from my collections. I also have a letter stating that this bill is resolved and paid in full from the company.